quote:

Originally posted by FenderBender:
Now Lemonade the company here isn't the question, they do require quite a bit of information from you effectively at all times so they can aggregate the data and charge you less. But their data is in line with what to expect from everyone else, Self-driving cars are significantly less likely to cause an accident than a human piloted car, that means the risk for the insurance company is reduced which means fewer payouts. As more and more cars improve their self driving we'll start to see "self driving only" policies which will for the majority of people be just fine for their use. This leaves expensive policies for driver piloted cars as they'll have to account for you driving into a self driving car, beyond the other flaws of human drivers.

Uhhh, the linked post from 'X', is ENTIRELY based on Lemonade Insurance, references nothing else whatsoever, and comprises the entire OP! It even differentiates Lemonade as unique, with the Launch of 'Lemonade Autonomous Car Insurance, a first-of-it's-kind product designed specifically for self-driving cars', and indicated "Traditional insurers treat Tesla like any other car, and AI like any other driver."

Everything else regarding 'what to expect from everyone else' is pure speculation!

As someone who is getting close to the the "not being able to" line, I am eagerly awaiting this technology to develop to the point where a driver is not required.

Insurance costs would not be part of the decision.

After using Teslas FSD I'm convinced it's very well done, and less likely to FUBAR the ride home than some dillweed looking at Facebook on their iShit while driving through traffic.

It's becoming a god send for home bound seniors who are fearful of driving due to their deteriorating reaction times and other physical malady's.

Pretty sure our next car will have FSD or SuperCruise of some form, probably a Tesla over GM or Ford since they are way past the learning curve, Teslas software is lightyears beyond GM/Ford.

Fender doesn’t let his actual posts get in the way of his point.

Some insurance company no one has literally ever heard of offers a rate cut for self driving cars only fairly wealthy people own so that’s where the industry must be headed. Got it.

I’m sure if you just understood Keynesian theory then you would see the future accurately nhracecraft you ignorant slut. lol. Now stop being disagreeable.

^^ Gearhead Engineer here...Guilty as charged!

Not interested in “lemonade” as my insurance provider so this is a nothing burger.

Tesla is switching to subscription based FSD which currently is $99 a month.
Saving 50% on my insurance plus $99 a month for FSD in the end I would be paying more than I do now without the 50% savings.

One of the guys I golf with has a six year old Tesla Model S. The self driving was OK on the freeway but worthless "in town". He just bought his wife the latest and greatest Tesla Model Y with self driving. Very impressive systems installed. I still wouldn't trust is completely but it does autopilot around town quite impressively.

For FSD accidents, who is liable? You or Tesla?

How would it navigate the bridge being repaired and down to one lane with barriers on either side and a detour that I drove through twice today?

I spent the last 35 years of my career, until I retired 3 years ago, programming computers. No way I'd ever trust one to control my car. No way. There are just too many things that even the best programmers can't foresee happening.

quote:

Originally posted by mrvmax:
I have a friend who put 30k on his Tesla using FSD in a few months. He said there were about 5 times he had to intervene <snip>

Or thought he had to intervene…

quote:

Originally posted by egregore:
How would it navigate the bridge being repaired and down to one lane with barriers on either side and a detour that I drove through twice today?

Interesting question. My Google Maps lets me know about "most" or that sort of thing. I doubt the car would drive you into one lane barriers. I wonder if the software, internet connections, and cameras could avoid that.

I kind of wish I lived a commute distance to work because the Tesla tech seems very cool. On the other hand I like buying stuff not renting. 99 bucks a month is clearly into GFY territory.

So how does it end? Not with people simply choosing to let their car drive them, but with people not buying a car in the first place. With taxis/Uber/etc. not having to pay drivers, the cost for a fare should be driven low enough to the point where owning your own car doesn't make economic sense. I don't expect this to happen quickly, too many car lovers out there, but in a few generations we will see those who choose to drive their own vehicles on the public roads as akin to those who still maintain a horse and buggy for their outings.

It will happen faster in the commercial market where self-driving vehicles already have a strong presence in agriculture and other labor-intensive work. Next domino to fall will likely be delivery services, perhaps coupled with a wheeled robot or flying drone to drop a package at the door.

quote:

Originally posted by 229DAK:
How does all this automated driving do in really crappy weather, like sleet, icy roads, tremendous downpours, etc.?

I'm curious how they'd do with potholes or washboard roads.

Nope. Not for me.

quote:

Originally posted by nhracecraft:

Uhhh, the linked post from 'X', is ENTIRELY based on Lemonade Insurance, references nothing else whatsoever, and comprises the entire OP! It even differentiates Lemonade as unique, with the Launch of 'Lemonade Autonomous Car Insurance, a first-of-it's-kind product designed specifically for self-driving cars', and indicated "Traditional insurers treat Tesla like any other car, and AI like any other driver."

Everything else regarding 'what to expect from everyone else' is pure speculation!

I'm going to ask you to use your imagination here, Let's say you drive a Tesla, and you also are a big fan of full self driving to the point where you use it almost exclusively. You're already tracked your travel has no privacy at all. you pay $100 a month for car insurance, all of a sudden some company is offering car insurance for $50 if you use full self driving, something you already do, do you take them up on the $50 a month savings?

the only effort on your part here is to switch.



now follow up question, you're now someone else lets say an executive at all state, or farmers, or any of the other large insurance companies and you notice all of your $100 a month customers who use full self driving are switching away from your policies because some one, lemonade in this case, is offering insurance policies at half your cost if the policy holder uses full self driving. What would be a way to get those customers back, or better yet keep the one's you have?

Would it be to offer the exact same thing at possibly a better price? what if you offered a policy that only covers self driving, a technology that has accidents at 1/7th the frequency as your human drivers. Would that be a good business choice?

quote:

Originally posted by Expert308:

I spent the last 35 years of my career, until I retired 3 years ago, programming computers. No way I'd ever trust one to control my car. No way. There are just too many things that even the best programmers can't foresee happening.

PA announcement while the plane is taxiing to the runway:

Good afternoon, ladies and gentlemen. It is our pleasure to welcome you aboard Pandemonium Airlines' first totally automated flight, with no humans in the cockpit. Your safety and comfort are completely assured by our fail-safe computer systems. Absolutely nothing can go wrong, go wrong, go wrong, go wrong ...

quote:

Originally posted by Expert308:
I spent the last 35 years of my career, until I retired 3 years ago, programming computers. No way I'd ever trust one to control my car. No way. There are just too many things that even the best programmers can't foresee happening.

Agreed. This is another reason that this is a terrible idea.

We had a friend drive us to the airport in Chicago last year when we flew to Portugal. Her Yukon had adaptive cruise control. That damn thing kept thinking that traffic was stopped in front of us and applying the brakes, even when traffic was flowing freely. I kept expecting to get rear-ended.

quote:

Originally posted by 92fstech:
Are we really willing to give up the freedom inherent in driving yourself in favor of letting some system do it?

Hell no.