Tesla was forced to "go to sea"! In order not to be "specially cared for" by insurance companies, Tesla established an auto insurance business.
According to foreign media reports, currently has 9 states in the United States, covering Tesla’s self-operated auto insurance business . Regarding this news, Tesla owners are simply "running to tell each other", and the reason is very simple-car owners no longer need to be "picked out" by insurance companies.
Tesla owners who receive "special care"
Tesla owners have always been "taken advantage of" in the eyes of insurance companies - for cars of the same price, Tesla's premiums are much more expensive than those of other brands.. And almost all insurance companies around the world have "unified their approach" and provide special care to Tesla. This made Tesla very unhappy. The insurance company's actions would seriously affect Tesla's car sales business. Tesla even took some insurance companies to court, but this status quo has never been changed.
In fact, the insurance company is also very aggrieved - you should know best why it wants to charge you more:
1. Tesla itself has a bad reputation for safety, and news about Tesla accidents appear on the Internet every now and then. , which also means that insurance companies need to bear a lot of risks, so premiums will naturally increase.
2. The integrated casting technology used by Tesla means that the entire body frame is integrated, which means that Tesla repair costs are higher. Other brands of cars can solve problems that only need to replace one part. Tesla may It would take a whole set of parts to be replaced to fix it.
Therefore, in order to reduce their own risks, almost all insurance companies will increase their prices for Tesla. Tesla had no choice but to do its own car insurance in the end, so that it didn't have to look at the "face" of the insurance company. Car owners can be said to be very happy about Tesla's approach.
Brand new payment mode?
Tesla has even shown its "maverick" approach in the auto insurance business and does not follow the rules at all.
On the one hand, in terms of insurance period, Tesla has enabled the short-cycle mode, and the shortest insurance period is in "months". This is a form that many insurance companies will not adopt. Because it is too troublesome to find car owners to renew their insurance every month, which requires too much energy and is not conducive to user retention, because users may be lost every month.
But Tesla adopts the form of full online operation and can automatically renew every month, which not only provides users with more flexible services, but also facilitates car owners to adjust their packages at any time. This has given many car owners a better service experience.
On the other hand, Tesla has adopted a new "safety scoring mechanism" - Safety Score. This safety scoring mechanism will score the vehicle based on the car owner's usual driving habits. For example, if a car owner frequently engages in collision warnings, emergency braking, forced traffic jams, etc., the system will determine that the owner's driving habits are not safe enough and will deduct the vehicle's safety score accordingly.
Tesla will adjust the vehicle's premium based on the vehicle's safety score. For example, for a car owner with a safety score of 99 points, the monthly premium will be reduced to US$56.83, while for a car owner with a safety score of 90 points, the monthly premium will be as high as US$93.17. This can also further urge car owners to drive safely.
Disturbing things
On the surface, this is indeed a good thing that everyone is happy with, but "self-insurance" sounds a bit unreliable:
1. Every time there is an accident, Tesla It is claimed that the problem was caused by the car owner's operating error. Now even the insurance is paid by Tesla. Can the car owner really rest assured?
2. Since Tesla is the insurance claim adjuster, will the accident assessment after Tesla accidents be monopolized by Tesla? It will become more difficult for Tesla owners to defend their rights.
3. Whether Tesla’s Safety Score has legal effect remains to be considered.The system is a rating system that Tesla operates completely independently. Tesla has the final say on how to score, and even modifying the rating data is a piece of cake for Tesla. Then the insurance premiums for car owners Isn’t it Tesla’s decision to decide how much to pay?
Generally speaking, Tesla's self-operated insurance seems good, but it always makes people feel a little worried. How it will develop in the future still needs time to be tested. (Huo Hao)
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