Speculation on the ultimate insurance ecosystem- Tesla Autos, Tesla Insurance, Tesla Repair Network and the competitive advantage- Tesla owning the data.

Building this up into a global fleet of privately driven autos and robotaxis  the author argues that traditional incumbent insurers will  not be able to offer competitive insurance without the completeness of driver and car data that Tesla collects.

Not only that; Tesla will take on the product liability insurance for autonomous vehicles and Tesla is a world leader in autonomous driving software. That freezes out incumbent insurers!

Of course, the article ignore other auto manufacturers which currently have much higher production volumes. Companies like VW and Toyota have the capacity to move entirely to EVs and control the data- perhaps in partnership with incumbent carriers. At the same time they must cope with an enormous investment in carbon-fuel powered vehicles, parts and repair networks.

Mercedes has given up the race to be a leader in autonomous vehicles and the joint venture with BMW has been terminated. 

See Mercedes Says It Can't Win Race For Autonomous Driving, Bows Out. 

Interesting times especially as Elon Musk catches so  many companies off guard by his innovation, vision and ability to execute.