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> why are they not taking the liability of the cars.

Because that's still incredibly costly. We as a society care greatly about a decrease in net risk, but that doesn't mean that net risk is small enough for one party to bear.

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That makes so sense. When they say "it's safer than a human", that should definitely translate to a smaller insurance cost than a human driven car.

And it does. It just doesn't mean that one company can suddenly afford to be an insurer of tens of thousands of drivers.

If they make driving safer, they could insure cheaper and make more profit than existing insurance companies. Or they could collaborate with insurers to reduce the insurance cost for Tesla drivers, e.g. by underwriting the costs of deadly accidents, and splitting the profit. 35000 deaths, that's a lot of dough. A money making machine like Tesla must surely have thought of that, if it is remotely true.

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