I wonder if it’s mainly another way of getting access to telemetry data? Insurers definitely do give you a discount if you install a recording device. I assume that lets them filter out some bogus insurance claims. (Or maybe people just drive better when they know the insurance company is watching!)
That's probably because Tesla is liable. And it could be that at this point they don't mind operating at a loss in this area.
It will be an interesting question once systems are on the road that claim to be fully autonomous--and no one's sure how this will work yet. If I'm sitting in a car that's sold (and regulated) as completely hands off I'm certainly not going to accept liability if it does something dumb and kills someone.
That's ridiculous, they might base this on some other benifit such as type of owner, but the industry is not just going to subsidize 100,000+ plus people. I am not saying it's fool proof, but your bias is showing.
By the way, the black box recorder in a Tesla might also contribute to the discount given by insurers.
If you have better data than I would love to see it. But, IMO using ballpark numbers is much better than simply having a bad feeling about something.
These cars are not going to fail the same way people do. Computers really fuck up in broad daylight, people get drunk and drive down highways in the wrong direction.
Right now I would trust this over me driving tired or drunk but not sober. Give it 5-10 years and better hardware and I think it will be a better driver than I am.