That logic makes sense if you assume the only incidents are single-car. When this happens near other cars and is deemed to be the factor behind a multi-car acc

That logic makes sense if you assume the only incidents are single-car. When this happens near other cars and is deemed to be the factor behind a multi-car accident, the insurance company still has to pay out for the other participants (unless you are in a no-fault state). I would argue that, regardless of the PR spin and warranties, unless Tesla takes liability for entire accidents I would expect insurance rates to skyrocket