{"id":195848,"date":"2026-03-20T13:00:11","date_gmt":"2026-03-20T13:00:11","guid":{"rendered":"https:\/\/www.reinsurancene.ws\/?p=195848"},"modified":"2026-03-20T13:42:10","modified_gmt":"2026-03-20T13:42:10","slug":"teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies","status":"publish","type":"post","link":"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/","title":{"rendered":"Tesla\u2019s FSD insurance could pose competitive risk to Lemonade: Jefferies"},"content":{"rendered":"<p>Tesla Insurance\u2019s Full Self-Driving (FSD) pricing poses a potential competitive risk to Lemonade\u2019s auto insurance ambitions as its model scales, with pricing based on how the car performs in FSD through its Safety Score, potentially offering better rates, according to analysts at Jefferies.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-195855\" src=\"https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/03\/tesla-image-other.jpg\" alt=\"\" width=\"360\" height=\"225\" srcset=\"https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/03\/tesla-image-other.jpg 800w, https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/03\/tesla-image-other-300x188.jpg 300w, https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/03\/tesla-image-other-768x480.jpg 768w, https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/03\/tesla-image-other-200x125.jpg 200w, https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/03\/tesla-image-other-100x63.jpg 100w\" sizes=\"auto, (max-width: 360px) 100vw, 360px\" \/>Recent filings show Tesla has eliminated standalone discounts for FSD offered through its own carrier, Tesla Property &amp; Casualty, Inc., and instead embeds autonomy entirely within its Safety Score framework, meaning pricing reflects how the vehicle actually performs.<\/p>\n<p>Under Tesla\u2019s model, autonomy is rewarded indirectly in that if it reduces hard braking and other risk signals, your Safety Score improves, but if it doesn\u2019t, autonomy offers no explicit pricing discount.<\/p>\n<p>By contrast, Lemonade treats FSD as safer on average and reflects this through per-mile pricing benefits for autonomy usage. This approach assumes lower loss risk regardless of how or where FSD is used and could potentially lead to cross-subsidisation of poor autonomy uses.<\/p>\n<p>Jefferies analysts estimate that the discount, or lower premium potential, is higher for a good driver under Tesla\u2019s new pricing model than under Lemonade\u2019s FSD pricing, although the opposite is also true.<\/p><div class=\"reins-in-every-article\" id=\"reins-705964251\"><div id=\"reins-223254969\" style=\"margin-bottom: 10px;\"><a data-no-instant=\"1\" href=\"https:\/\/www.artemis.bm\/dashboard\/cat-bond-ils-market-statistics\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"Artemis catastrophe bond market charts and visualisations\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/02\/new-artemis-cat-bond-charts-dashboard-728x90-banner.jpg\" alt=\"Artemis catastrophe bond market charts and visualisations\"  srcset=\"https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/02\/new-artemis-cat-bond-charts-dashboard-728x90-banner.jpg 1456w, https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/02\/new-artemis-cat-bond-charts-dashboard-728x90-banner-300x37.jpg 300w, https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/02\/new-artemis-cat-bond-charts-dashboard-728x90-banner-1024x127.jpg 1024w, https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/02\/new-artemis-cat-bond-charts-dashboard-728x90-banner-768x95.jpg 768w, https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/02\/new-artemis-cat-bond-charts-dashboard-728x90-banner-200x25.jpg 200w, https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/02\/new-artemis-cat-bond-charts-dashboard-728x90-banner-100x12.jpg 100w\" sizes=\"(max-width: 1456px) 100vw, 1456px\" width=\"728\" height=\"90\"   \/><\/a><\/div><\/div>\n<p>In theory, Jefferies believes Tesla\u2019s pricing approach could become a competitive risk over time to a segment of Lemonade\u2019s auto business. However, the two products differ in that Lemonade\u2019s offering may be more targeted toward lower-mileage drivers, given its pay-per-mile structure, and may appeal to those seeking simpler and more predictable credits for autonomous usage. Further, the Lemonade FSD product offers greater stability due to the averaging of autonomy scoring, although mileage caps apply.<\/p>\n<p>While Lemonade\u2019s FSD product highlights how autonomy can improve safety on average, analysts believe that tying discounts to assumed benefits rather than observed outcomes risks rising loss ratios over time versus other approaches.<\/p>\n<p>Tesla Insurance recently posted strong results for 2025, writing $1.0 billion in premiums, up from approximately $315 million in 2024 and $110 million in 2023. This compares to Root\u2019s $1.2 billion and Lemonade\u2019s $137 million. Tesla reported a 115% combined ratio, a ~10pts improvement from 125% in 2025. Two of Tesla\u2019s three insurance entities were profitable in 2025, with the larger third realising a loss (focused largely on CA where telematics is not permitted).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tesla Insurance\u2019s Full Self-Driving (FSD) pricing poses a potential competitive risk to Lemonade\u2019s auto insurance ambitions as its model scales, with pricing based on how the car performs in FSD through its Safety Score, potentially offering better rates, according to analysts at Jefferies. Recent filings show Tesla has eliminated standalone discounts for FSD offered through [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":195855,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[1039,841,534,3112,732],"class_list":["post-195848","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-autonomous-vehicles","tag-jefferies","tag-lemonade","tag-motor-insurance","tag-tesla"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tesla\u2019s FSD insurance could pose competitive risk to Lemonade: Jefferies - Reinsurance News<\/title>\n<meta name=\"description\" content=\"Tesla Insurance\u2019s Full Self-Driving (FSD) pricing poses a potential competitive risk to Lemonade\u2019s auto insurance ambitions as its model scales, with\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tesla\u2019s FSD insurance could pose competitive risk to Lemonade: Jefferies - Reinsurance News\" \/>\n<meta property=\"og:description\" content=\"Tesla Insurance\u2019s Full Self-Driving (FSD) pricing poses a potential competitive risk to Lemonade\u2019s auto insurance ambitions as its model scales, with\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/\" \/>\n<meta property=\"og:site_name\" content=\"ReinsuranceNe.ws\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/reinsurancenews\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-20T13:00:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-20T13:42:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/03\/tesla-image-other.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Beth Musselwhite\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@newsreinsurance\" \/>\n<meta name=\"twitter:site\" content=\"@newsreinsurance\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Beth Musselwhite\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/\"},\"author\":{\"name\":\"Beth Musselwhite\",\"@id\":\"https:\/\/www.reinsurancene.ws\/#\/schema\/person\/9bc9aa68d1e76970c601c1e7ce18eb88\"},\"headline\":\"Tesla\u2019s FSD insurance could pose competitive risk to Lemonade: Jefferies\",\"datePublished\":\"2026-03-20T13:00:11+00:00\",\"dateModified\":\"2026-03-20T13:42:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/\"},\"wordCount\":381,\"publisher\":{\"@id\":\"https:\/\/www.reinsurancene.ws\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/03\/tesla-image-other.jpg\",\"keywords\":[\"autonomous vehicles\",\"Jefferies\",\"Lemonade\",\"motor insurance\",\"Tesla\"],\"articleSection\":[\"News\"],\"inLanguage\":\"en-GB\",\"copyrightYear\":\"2026\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.reinsurancene.ws\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/\",\"url\":\"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/\",\"name\":\"Tesla\u2019s FSD insurance could pose competitive risk to Lemonade: Jefferies - Reinsurance News\",\"isPartOf\":{\"@id\":\"https:\/\/www.reinsurancene.ws\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/03\/tesla-image-other.jpg\",\"datePublished\":\"2026-03-20T13:00:11+00:00\",\"dateModified\":\"2026-03-20T13:42:10+00:00\",\"description\":\"Tesla Insurance\u2019s Full Self-Driving (FSD) pricing poses a potential competitive risk to Lemonade\u2019s auto insurance ambitions as its model scales, with\",\"breadcrumb\":{\"@id\":\"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/#primaryimage\",\"url\":\"https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/03\/tesla-image-other.jpg\",\"contentUrl\":\"https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/03\/tesla-image-other.jpg\",\"width\":800,\"height\":500},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.reinsurancene.ws\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"News\",\"item\":\"http:\/\/www.reinsurancene.ws\/news\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Tesla\u2019s FSD insurance could pose competitive risk to Lemonade: Jefferies\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.reinsurancene.ws\/#website\",\"url\":\"https:\/\/www.reinsurancene.ws\/\",\"name\":\"Reinsurance News\",\"description\":\"Reinsurance news delivered to you daily by Reinsurance News\",\"publisher\":{\"@id\":\"https:\/\/www.reinsurancene.ws\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.reinsurancene.ws\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.reinsurancene.ws\/#organization\",\"name\":\"Reinsurance News\",\"url\":\"https:\/\/www.reinsurancene.ws\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.reinsurancene.ws\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2018\/08\/renews-logo.png\",\"contentUrl\":\"https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2018\/08\/renews-logo.png\",\"width\":1222,\"height\":178,\"caption\":\"Reinsurance News\"},\"image\":{\"@id\":\"https:\/\/www.reinsurancene.ws\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/reinsurancenews\/\",\"https:\/\/x.com\/newsreinsurance\",\"https:\/\/www.linkedin.com\/company\/reinsurance-news\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.reinsurancene.ws\/#\/schema\/person\/9bc9aa68d1e76970c601c1e7ce18eb88\",\"name\":\"Beth Musselwhite\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.reinsurancene.ws\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/3c59c2306c0a52942454bbb7aff34ae70f35f40b2696eef21fbb137b87fe42e0?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/3c59c2306c0a52942454bbb7aff34ae70f35f40b2696eef21fbb137b87fe42e0?s=96&d=mm&r=g\",\"caption\":\"Beth Musselwhite\"},\"sameAs\":[\"https:\/\/www.reinsurancene.ws\/about\/#team\"],\"url\":\"https:\/\/www.reinsurancene.ws\/author\/beth-musselwhite\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Tesla\u2019s FSD insurance could pose competitive risk to Lemonade: Jefferies - Reinsurance News","description":"Tesla Insurance\u2019s Full Self-Driving (FSD) pricing poses a potential competitive risk to Lemonade\u2019s auto insurance ambitions as its model scales, with","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/","og_locale":"en_GB","og_type":"article","og_title":"Tesla\u2019s FSD insurance could pose competitive risk to Lemonade: Jefferies - Reinsurance News","og_description":"Tesla Insurance\u2019s Full Self-Driving (FSD) pricing poses a potential competitive risk to Lemonade\u2019s auto insurance ambitions as its model scales, with","og_url":"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/","og_site_name":"ReinsuranceNe.ws","article_publisher":"https:\/\/www.facebook.com\/reinsurancenews\/","article_published_time":"2026-03-20T13:00:11+00:00","article_modified_time":"2026-03-20T13:42:10+00:00","og_image":[{"width":800,"height":500,"url":"https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/03\/tesla-image-other.jpg","type":"image\/jpeg"}],"author":"Beth Musselwhite","twitter_card":"summary_large_image","twitter_creator":"@newsreinsurance","twitter_site":"@newsreinsurance","twitter_misc":{"Written by":"Beth Musselwhite","Estimated reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/#article","isPartOf":{"@id":"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/"},"author":{"name":"Beth Musselwhite","@id":"https:\/\/www.reinsurancene.ws\/#\/schema\/person\/9bc9aa68d1e76970c601c1e7ce18eb88"},"headline":"Tesla\u2019s FSD insurance could pose competitive risk to Lemonade: Jefferies","datePublished":"2026-03-20T13:00:11+00:00","dateModified":"2026-03-20T13:42:10+00:00","mainEntityOfPage":{"@id":"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/"},"wordCount":381,"publisher":{"@id":"https:\/\/www.reinsurancene.ws\/#organization"},"image":{"@id":"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/#primaryimage"},"thumbnailUrl":"https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/03\/tesla-image-other.jpg","keywords":["autonomous vehicles","Jefferies","Lemonade","motor insurance","Tesla"],"articleSection":["News"],"inLanguage":"en-GB","copyrightYear":"2026","copyrightHolder":{"@id":"https:\/\/www.reinsurancene.ws\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/","url":"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/","name":"Tesla\u2019s FSD insurance could pose competitive risk to Lemonade: Jefferies - Reinsurance News","isPartOf":{"@id":"https:\/\/www.reinsurancene.ws\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/#primaryimage"},"image":{"@id":"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/#primaryimage"},"thumbnailUrl":"https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/03\/tesla-image-other.jpg","datePublished":"2026-03-20T13:00:11+00:00","dateModified":"2026-03-20T13:42:10+00:00","description":"Tesla Insurance\u2019s Full Self-Driving (FSD) pricing poses a potential competitive risk to Lemonade\u2019s auto insurance ambitions as its model scales, with","breadcrumb":{"@id":"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/#primaryimage","url":"https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/03\/tesla-image-other.jpg","contentUrl":"https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/03\/tesla-image-other.jpg","width":800,"height":500},{"@type":"BreadcrumbList","@id":"https:\/\/www.reinsurancene.ws\/teslas-fsd-insurance-could-pose-competitive-risk-to-lemonade-jefferies\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.reinsurancene.ws\/"},{"@type":"ListItem","position":2,"name":"News","item":"http:\/\/www.reinsurancene.ws\/news\/"},{"@type":"ListItem","position":3,"name":"Tesla\u2019s FSD insurance could pose competitive risk to Lemonade: Jefferies"}]},{"@type":"WebSite","@id":"https:\/\/www.reinsurancene.ws\/#website","url":"https:\/\/www.reinsurancene.ws\/","name":"Reinsurance News","description":"Reinsurance news delivered to you daily by Reinsurance News","publisher":{"@id":"https:\/\/www.reinsurancene.ws\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.reinsurancene.ws\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/www.reinsurancene.ws\/#organization","name":"Reinsurance News","url":"https:\/\/www.reinsurancene.ws\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.reinsurancene.ws\/#\/schema\/logo\/image\/","url":"https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2018\/08\/renews-logo.png","contentUrl":"https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2018\/08\/renews-logo.png","width":1222,"height":178,"caption":"Reinsurance News"},"image":{"@id":"https:\/\/www.reinsurancene.ws\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/reinsurancenews\/","https:\/\/x.com\/newsreinsurance","https:\/\/www.linkedin.com\/company\/reinsurance-news\/"]},{"@type":"Person","@id":"https:\/\/www.reinsurancene.ws\/#\/schema\/person\/9bc9aa68d1e76970c601c1e7ce18eb88","name":"Beth Musselwhite","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.reinsurancene.ws\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/3c59c2306c0a52942454bbb7aff34ae70f35f40b2696eef21fbb137b87fe42e0?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3c59c2306c0a52942454bbb7aff34ae70f35f40b2696eef21fbb137b87fe42e0?s=96&d=mm&r=g","caption":"Beth Musselwhite"},"sameAs":["https:\/\/www.reinsurancene.ws\/about\/#team"],"url":"https:\/\/www.reinsurancene.ws\/author\/beth-musselwhite\/"}]}},"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/www.reinsurancene.ws\/wp-content\/uploads\/2026\/03\/tesla-image-other.jpg","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p7AbfB-OWQ","_links":{"self":[{"href":"https:\/\/www.reinsurancene.ws\/wp-json\/wp\/v2\/posts\/195848","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.reinsurancene.ws\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.reinsurancene.ws\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.reinsurancene.ws\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/www.reinsurancene.ws\/wp-json\/wp\/v2\/comments?post=195848"}],"version-history":[{"count":3,"href":"https:\/\/www.reinsurancene.ws\/wp-json\/wp\/v2\/posts\/195848\/revisions"}],"predecessor-version":[{"id":195856,"href":"https:\/\/www.reinsurancene.ws\/wp-json\/wp\/v2\/posts\/195848\/revisions\/195856"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.reinsurancene.ws\/wp-json\/wp\/v2\/media\/195855"}],"wp:attachment":[{"href":"https:\/\/www.reinsurancene.ws\/wp-json\/wp\/v2\/media?parent=195848"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.reinsurancene.ws\/wp-json\/wp\/v2\/categories?post=195848"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.reinsurancene.ws\/wp-json\/wp\/v2\/tags?post=195848"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}