I'm sure insurers will love your arguments and simply insure Tesla at the exact same rate they insure everyone else.

I think Tesla's egg is cooked. They need a full suite of sensors ASAP. Get rid of Elon and you'll see an announcement in weeks.

Large fleet operators tend to self insure rather than having traditional auto insurance for what it's worth.

If you have a large fleet, say getting in 5-10 accidents a year, you can't buy a policy that's going to consistently pay out more than the premium, at least not one that the insurance company will be willing to renew. So economically it makes sense to set that money aside and pay out directly, perhaps covering disastrous losses with some kind of policy.

Always comes up but think it's worth repeating: if he's not there the stock will take a massive haircut and no Tesla investor wants that regardless of whether it would improve Tesla's car sales or its self-driving. Elon is the stock price for the most part. And just to muse on the current reason, it's not Optimus or self driving, but an eventual merger with SpaceX. My very-not-hot take is that they'll merge within months of the SpaceX IPO. A lot of folks say it ain't happening, but I think that's entirely dependent on how well Elon and Trump are getting along at the moment the merger is proposed (i.e., whether Trump gives his blessing in advance of any announcement).