Of course FSD can and has avoided accidents. Great! It doesn't mean it can drive all on its own 100% of the time (or else Tesla would have had it certified as Level 5).
I haven't driven on FSD in a couple of years. I did take RoboTaxi recently, it did ok (operator did not have a take over, but had to operate hazard lights manually - turned them on when we were getting into the car, then forgot to turn them off, car cleared 2 left turn signal intersections with hazards blinking before the operator realized and turned them off). That said, I don't see Tesla allowing (and taking full responsibility) for customers to just send their cars for service all by themselves (you know, when you go to bed, your car drives itself to Tesla service, they change the wipers, swap tires from winter to summer, change filters, send it back, customer has their car ready to roll in the morning). Heck, I don't even see Tesla committing to cover all damage (or any damage actually) caused while driving on FSD, so their own confidence is not that high. I'm talking about real confidence, not Elon's hot air statements which he's spewing out but not willing to back with any money (hey, remember Elon claiming Teslas were an appreciating investment, well, I tested that theory, Tesla employees laughed hard at me when I tried to lease some Teslas based on that statement being true. That didn't stop Tesla fanboys online to defend Elon's statement with a passion, but none of them wanted to put their money where their mouth is either).
50% off all miles if you engage FSD for some, or only discount for miles driven on FSD? Will they also commit to not raise your insurance if you keep on getting into accidents while on FSD because you didn't take over in time (or if FSD disengages and you don't take over - still FSD's fault for just "throwing its hand up")? If FSD is so safe, they should encourage people to let FSD drive all the time and never support less-save human take over, perhaps giving the greatest discount for any owner who will remove the steering wheel altogether.
So 40% of accidents can be mitigated by Automatic Emergency Braking then. I haven't looked at most recent data, but last I looked at Tesla documentation its AEB only slowed down to under 30mph for read end collision, vs. others (like Subaru) came to a complete stop (IIRC this was EU NCAP testing).
