Autonomy reaches the premium as a discount long before it reaches the claims
First movers now split every policy into human miles and machine miles — FSD-engaged miles priced 30-50% below human miles using fleet-telemetry safety scores — so the personal-auto pool erodes through re-segmentation and data access long before any claims-driven collapse.
The same conclusion keeps arriving from across the workspace's research — 1 topics independently instantiate this theme. Filter the evidence by where it came from:
The first carrier product prices machine miles separately from human miles at a 30-50% discount — the premium re-segments by who is driving instead of collapsing.
The manufacturer's own book applies the same per-autonomy segmentation, cutting premiums as machine miles displace human ones — the discount template migrating from carriers to the OEM.