Do you think peoples ability to behave/drive responsibly vs recklessly could be at all linked to their demographic profile? I am talking statistically, not looking for anecdotes...
But given that they've shown this 40% crash rate reduction in their current demographic, it's reasonable to expect to see a similar reduction in other demographics (maybe not of the same magnitude, but at least in the same direction).
A Tesla is not a cheap car. I kind of suspect the average Tesla driver is more responsible than the average driver. It may be the case that the average Tesla driver is very well off, and treat the cars as expensive toys though, so it's tough to say without numbers. If i had to bet right now, i'd bet on the more responsible side though.
If you study rich drivers I have no doubt that you would find that they cut people off more, overtake in more dangerous situations, use their indicators less, drive over the speed limit more, proceed through amber signals later, run red lights more often, and generally show less regard for the rules than other drivers.
This behaviour will also correlate to other areas of life where richer people simply care less for the rules. They're more likely to use social contacts or money (e.g.: "lawyer up") to get themselves out of any trouble they find themselves in.
Teslas are not cheap cars. Given that money is (social evidence of) power, the people buying Teslas (and other expensive cars in general) are likely to expect other drivers to respect their status as powerful people.
I would be willing to bet money that the insurance actuaries that actually calculate risk disagree with your extremely prejudiced opinion.
I'm still waiting to hear how your personal opinion about wealthy drivers is more accurate than auto insurance actuaries that calculate risk for a living.
FWIW, in case you were unaware, Hacker News doesn't allow commenters to downvote direct replies. So whoever might've downvoted you wasn't the parent, and someone corrected it with an upvote or undown (your comment isn't gray as of this writing).
You're assuming that accident rates are directly correlated with claim rates, however. A wealthy individual is less likely claim for a minor accident, preferring to pay out of pocket for small repairs rather than take a big hit on their premiums. Someone less wealthy may not have that option.
There are other reasons why wealth may reduce your risk to insurers that are unrelated to safe driving. You're less likely to leave a car parked insecurely in a dodgy part of town, for example.
Finally, "drivers of luxury brand cars" certainly aren't the same set as "wealthy people with good credit records". Plenty of lower net worth people can still manage a lease on a BMW or Mercedes, or buy a used one.
Drivers of luxury cars cause more accidents, insurers say: http://www.telegraph.co.uk/finance/personalfinance/insurance...
This list is not strongly related to risk /of/ accident, but is correlated with severity (a small change is likely to have a small correlation with severity).
* over the speed limit
* overtake in (more) dangerous situations
* through amber signals later
All of these are very bad things that everyone should avoid doing, and signals should be given starting 5-10 seconds before the action.
* use indicators less
* cut people off
* run red lightsWhich seems like the current driver profile is possibly safer than the overall population since it's unlikely a large percentage of young drivers own a $100k car. It seems like the effect of widespread autopilot could be greater if it included this cohort.