That's good though? I'd love for my premium to not subsidize the payouts to parties involved in crashes caused by aggressive drivers.
LOL the downvote. This site is entertaining.
LOL the downvote. This site is entertaining.
Like if someone's driving metrics are totally smooth and predictable on public roads, but then they go nuts on a race track, a lower premium makes sense.
Now that I type that out, how does car insurance work while driving on a private race track?
The metrics simply correlate with accident rates. For example, your premiums increase if you drive late at night, which does not mean that you are a bad driver. Their metrics also do not punish you for accelerating aggressively or driving at high rates of speed (only if you turn too fast or hit the brakes too hard, but if I slam on the brakes in the name of safety, or perform an evasive maneuver, does that mean I am an unsafe driver?)
Also, it’s worth pointing out other insurance companies have a solution for this that has worked for decades. If someone proves they are an unsafe driver by receiving a infraction or filing a claim, then you adjust the rates. No need to spy on the person with invasive amounts of data, or use arbitrary metrics that use correlation instead of causation. But Tesla has to reinvent things that were not broken in the first place, like door handles (just replaced the door handle on a brand new model S because dust got in there LOL).
Also, Tesla isn’t unique here. Root insurance did this well before Tesla did.
If you have to frequently do that, it's probably because you put yourself in situations where an earlier safer choice of action would have avoided the need. Frequent abrupt/high-G maneuvers to turn accidents into near-misses probably does correlate strongly with future losses (you’re eventually going to “fail to miss”).
"A superior pilot uses his superior judgment to avoid situations which require the use of his superior skill.” — Frank Borman.
A bear whisperer is more likely than an average person to be eaten by a bear. An experienced cave diver is more likely than an average person to drown.
Your arguments are about pilots training in controlled conditions that don't put others at unnecessary, non-consensual risk.
I confined my upthread answer to airline pilots because that’s what’s familiar and relevant to most readers and seems most directly relevant to risk-reduction for passengers/non-participants. (We don’t do risky training exercises with pax on board either.)