You may see headlines state that Teslas were involved in nearly 70 percent of advanced vehicle technology crashes, however this statistic doesn't paint an accurate picture.
The U.S. Department of Transportation released the initial data it has collected since the agency advised more than 100 automakers to report collisions related to automated driver-assist systems.
Of the 392 crashes submitted to the NHTSA, Tesla had the largest amount of incidents, with Honda coming in second.
Tesla: 273
Honda: 90
Subaru: 10
Other: 19
The other 19 incidents are divided between nine manufacturers.
NHTSA is saying that this data shouldn't be used to make any conclusions on the safety of these systems.
The data provided by NHTSA lacks context, such as the number of vehicles equipped with the system, the number of miles driven, or how individuals are using the system.
While Tesla has the most incidents, Tesla's Autopilot is very actively used. Autopilot is likely used more than 3x than Honda's system, which would instantly change the takeaway people are getting out of this report.
This data also doesn't show how these systems are preventing accidents. Autopilot is a much more advanced system than those available on other vehicles, so while it was involved in more accidents, it also prevented additional accidents.
Tesla runs Autopilot safety systems passively in the background. It's ready to hit the brakes or even move out of the way of a vehicle to help avoid an accident.
I'd encourage Tesla to follow up on NHTSA's report with exact figures of how many vehicles have Autopilot, how many miles have been traveled, and how many times Autopilot has moved within its lane to avoid potential accidents.
The video below shows many of these situations where Autopilot has prevented collisions.
What NHTSA is trying to find out is whether these systems are safe. However, without proper context and additional information, NHTSA is adding confusion about the capabilities of Autopilot.
In a day and age where consumers read headlines and not articles, this report is causing more harm than good.
Due to this report, two senators are now calling on NHTSA to take further action. Senator Ed Markey said, "we are seeing a never-ending parade of reports about Autopilot operating in ways that skirt our safety laws and endanger the public, from rolling through stop signs and phantom breaking. Tesla has argued Autopilot makes us safer, but this report provides further evidence slamming the breaks on those claims."
This report comes just one week after NHTSA upgraded its probe into Tesla's Autopilot. The initial investigation started after a dozen crashes involving Teslas and parked emergency vehicles.
In fact, the agency has 35 active crash investigations where Autopilot is believed to have been used. Several news agencies reported they reached out to Tesla but did not receive a comment on the report.
I was lane changing while a motorcyclist very aggressively lane changed and accelerated from behind the car behind me. Autopilot aborted the lane change and was right.
It's likely the company predicted it would have higher numbers, due to the large number of miles driven with Autopilot.
ADAS, which stands for advanced driver assistance systems, includes driver assistant systems for steering and speed and provides traffic-aware cruise control. Tesla is a frontrunner in this technology and has 830,000 of these vehicles on the road in the U.S. Tesla also has far more advanced crash reports, which is lacking in other automakers.
NHTSA calls this report a first of its kind and plans to release the data monthly. Dr. Steven Cliff, NHTSA's Administrator, said, "new vehicle technologies have the potential to help prevent crashes, reduce crash severity, and save lives, and the Department is interested in fostering technologies that are proven to do so; collecting this data is an important step in that effort. As we gather more data, NHTSA will be able to better identify any emerging risks or trends and learn more about how these technologies are performing in the real world."
The report is admittedly not comprehensive. The NHTSA admits it lacked data to provide immediate information from all automakers. It also stated that some companies were more "robust" with data because their vehicles are equipped with telematics (Tesla). In contrast, several other manufacturers do not have telematics capabilities.
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In the latest episode of Jay Leno’s Garage, Tesla’s VP of Vehicle Engineering, Lars Moravy, confirmed that the new Model Y will feature adaptive headlights.
As Moravy was talking about the updated headlights in the vehicle, which now sit a few inches lower than before, he stated that in a couple of months, Tesla will add adaptive headlights in the U.S.
While Tesla has already introduced adaptive headlights in Europe and the Indo-Pacific, the feature has yet to make its way to North America.
Originally delayed in the U.S. due to regulatory issues, manufacturers have been able to implement adaptive headlights since mid-2024. Meanwhile, competitors like Rivian and Mercedes-Benz have already rolled out their own full matrix headlight systems, matching what’s available in other regions.
Update: This article has been updated to clarify that adaptive headlights will indeed be launched in the U.S., shortly after the vehicle launching in March.
Currently, Tesla in North America supports adaptive high beams and automatic headlight adjustment for curves, but full matrix functionality has yet to be rolled out. Meanwhile, matrix headlights are already available in Europe, where they selectively dim individual beam pixels to reduce glare for oncoming traffic and adapt to curves in the road.
It was surprising that matrix functionality wasn’t included in the comprehensive 2024 Tesla Holiday Update. This feature would likely improve safety ratings, so we can only assume Tesla is diligently working to secure regulatory approval.
Adaptive Headlights on Other Models
Lars didn’t confirm whether the refreshed Model Y comes with the same headlights as the new Model 3 and the Cybertruck, instead simply calling them "matrix-style” headlights.
The headlights on the new Model Y appear very similar to those available in the 2024+ Model 3, possibly meaning these other models will also receive adaptive headlight capabilities in the next couple of months.
For vehicles with older-style matrix headlights, it’s unlikely that adaptive beams support will launch at the same time, but they will hopefully become available soon afterward.
For the first time since launching Tesla Insurance in 2019, Tesla will begin underwriting its own policies, starting in California.
Tesla Insurance originally debuted in California and has since expanded to several U.S. states. Until now, policies were underwritten by State National, a subsidiary of the Markel Insurance Group. However, Tesla is now transitioning to fully in-house underwriting, beginning with its home state.
As part of this shift, California Tesla Insurance customers who receive an in-app offer to switch will be eligible for a one-time 3% discount on their next term’s premium—covered entirely by Tesla Insurance.
What is Underwriting
Underwriting is the process an insurance company uses to assess risk and determine whether to offer coverage, at what price, and under what terms.
Insurers evaluate factors such as driving history, credit score, age, vehicle type, and location. In Tesla’s case, vehicle driving data (not available in California) also plays a key role in risk assessment. These factors help classify drivers into risk categories, which influence their base premium.
From there, coverage limits, deductibles, and policy inclusions or exclusions can further adjust the final premium up or down.
Robotaxi and Other Benefits
At first glance, underwriting insurance might seem like a complex and costly process for Tesla. However, there are several compelling reasons why this move makes sense.
Insurance Income: Insurance is a highly profitable industry. Companies set rates based on risk, offering lower premiums to safer drivers and higher rates to riskier ones. This not only maximizes profitability but also incentivizes safer driving behavior, reducing overall claims.
Data Advantage: Tesla collects vast amounts of driving data through its Safety Score system. While California doesn’t allow Safety Score to impact premiums, Tesla can still use this data in the underwriting process to refine risk assessments and pricing for its vehicles.
Control Over Repair Costs: By underwriting its own policies, Tesla gains direct control over repairs and total loss decisions. This allows them to dictate when, where, and how repairs are done, optimizing costs for parts, labor, and service while ensuring vehicles are fixed according to Tesla’s standards.
FSD-Driven Discounts: Tesla has already begun offering insurance discounts for drivers using Full Self-Driving (FSD). By underwriting its own policies, Tesla could expand these incentives, potentially offering greater discounts to frequent FSD users in the future.
Preparing for Robotaxi: Perhaps the biggest long-term reason for this shift is the June launch of the Robotaxi fleet. How will Tesla insure these vehicles? The answer is simple—by underwriting its own policies and assuming liability.
Tesla’s decision to underwrite its own insurance isn’t just about cutting out middlemen—it’s a step toward lowering costs, increasing profitability, and preparing for the future of autonomous driving, a risk many insurance companies may be unwilling to make.
Further Expansion
This could be a strong sign that Tesla is preparing to expand its insurance offerings now that it has taken on the underwriting process itself. In July 2024, Tesla hired a former GEICO insurance executive to lead the expansion of Tesla Insurance and help reduce costs—a move that now appears to be paying off.
Rather than a traditional expansion, Tesla has instead made a bold move by bringing underwriting in-house, something few expected. However, it aligns with Tesla’s strategy of vertically integrating and controlling key aspects of its business, whether in manufacturing, software, or now, insurance.
If this pilot program proves successful, it could pave the way for Tesla Insurance to launch in more states—and potentially even other countries. With 2025 shaping up to be a pivotal year, we may see Tesla accelerate its insurance expansion sooner than expected.
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