> It’s your car, so ultimately the liability is yours
No, that's not how it works. The driver and the driver's insurer are on the hook when something bad happens. The owner is not, except when the owner is also the one driving, or if the owner has been negligent with maintenance, and the crash was caused by mechanical failure related to that negligence.
If someone else is driving my car and I'm a passenger, and they hurt someone with it, the driver is liable, not me. If that "someone else" is a piece of software, and that piece of software has been licensed/certified/whatever to drive a car, why should I be liable for its failures? That piece of software needs to be insured, certainly. It doesn't matter if I'm required to insure it, or if the manufacturer is required to insure it.
Tesla FSD doesn't fit into this scenario because it's not the driver. You are still the driver when you engage FSD, because despite its name, FSD is not capable of filling that role.
Incorrect. Or at least, it varies by state. I was visiting my mother and borrowed her car, had a minor accident with it. Her insurance paid, not mine.
This is why you are required to have insurance for the cars you own. You may from time to time be driving cars you do not own, and the owners of those cars are required to have insurance for those cars, not you.
No, that's not how it works. The driver and the driver's insurer are on the hook when something bad happens. The owner is not, except when the owner is also the one driving, or if the owner has been negligent with maintenance, and the crash was caused by mechanical failure related to that negligence.
If someone else is driving my car and I'm a passenger, and they hurt someone with it, the driver is liable, not me. If that "someone else" is a piece of software, and that piece of software has been licensed/certified/whatever to drive a car, why should I be liable for its failures? That piece of software needs to be insured, certainly. It doesn't matter if I'm required to insure it, or if the manufacturer is required to insure it.
Tesla FSD doesn't fit into this scenario because it's not the driver. You are still the driver when you engage FSD, because despite its name, FSD is not capable of filling that role.