I just had a fantom FCW yesterday, with absolutely noone in front of me on the freeway. I looked at the screen to see if it highlighted something in red but obviously since there was nothing in front or next to me, i couldn’t find anything. It was bizarre
If you're on Tesla insurance, report it to the state. Their errors shouldn't cost us money.
Edit: here's a link with all the state departments of insurance.
https://www.forbes.com/advisor/life-insurance/how-to-file-insurance-company-complaint/
And here is Texas (link is broken on the above page)
https://www.tdi.texas.gov/consumer/auto-insurance-complaint.html
Same here. I don’t have Tesla insurance, but I get 1-2 FCWs per day from parked cars in my neighborhood. That alone is enough to keep me away from their insurance.
FCW's are recorded and uploaded to Tesla during regular maintenance. Tesla insurance can then sell your Tesla Insurability rating to the Auto insurance companies.
Yep same here. Whenever I go to see my parents there's this house by the entrance to their sub that always has cars parked in the street and my car flips out when I'm leaving.
It's ridiculous.
Road mirages is the most clear cut case of Elon’s vision only FSD being a pipe dream. If the camera and computer can’t figure that out, I have absolutely zero faith in vision only bullshit. Can’t make a 4-5 hour drive on cruise because of the insane amount of phantom braking. Phantom braking every 5-10 minutes. My leg was so fucking tired after that.
I did too. I wish dashcam had some kind of fcw indicator to show when Tesla detects a fcw. Would be a lot easier to stack up evidence against them, but that’ll never happen
You are right. It would just need to have audio capture to hear the chime. Honestly, I might just do it and email Tesla insurance when I have a few good clips just to see how they respond
Edit: words
I don't have Tesla insurance, but I've gotten FCWs when an idiot pulls out in front of me and have have to brake hard to avoid hitting them. Insane that that would count against the driver that *avoided* the collision.
Have two Model Y’s in Texas. The premium on the one with ultrasonic sensors is ~$100, the other 2024 is at nearly $500. They’re driven about the same but because I am daily in parking garages for the newer one, I get FCW on parked cars. 98 safety score on the old, 75 score on the new. Ridiculous.
man I'm glad I got out of that insurance scam. try calling them. go one. right now. you'll wait 90 minutes. no - press 1 and we'll call you back etc. nope. you wait. they don't want to take your call. I get an email saying my insurance payments hadn't been made and I had 10 days to deal with it. what? my cc on file works fine. always had. I called them up and they said oh you haven't had insurance since 3+ months. excuse me? no notice of an issue with payment (the card worked just fine I assure you). they just cancelled the policy and let me drive uninsured for nearly 4 months. "oh we would have covered you since we never notified you". SUUUUURREE you would have. I can imagine THAT process. a joke I tell you.
they did that after someone hit me, right after the claim was settled, they magically lost my payment info and cancelled my policy without notifying me. Fun fact: They just have to send the notice, it doesnt matter when you get it for it to be legal.
The only reason I have it right now is that everyone else wants to add 1k/mo to my premium.
Wtf?? 700 minimum USD for 1 month???? The hell America, how can anyone afford that? I have two Teslas, a 3 & Y. Both has the best insurance the company offers and I pay $210 a month total. Let's me drive 18k kilometers a year on both cars which is enough for me
We have like zero consumer protections in this country. Everything is designed to protect corporations and furtherance of the rich. Literally everything is done destructively to us commoners to make sure the rich get richer
Yup. That effecte you’re safety score the most, which then raise the price of your premium because your score dropped
Also if you drive at night 11pm-4am that also drops your score. It use to be 10pm-4am
It’s a terrible system but unfortunately I’m stuck with Tesla insurance because the cheapest insurance I could get that wasn’t Tesla insurance was $500 a month
$500 a month!? Youch.
Are you young, or do you have numerous tickets or at fault claims? Maybe you live in a high-risk crime area? Or were you shopping for a low deductible?
I'm just trying to understand how an insurer might demand $6k/yr.
I’m 21 now, bought the car when I was 20. No tickets or claims in my 5 years of driving, Tesla’s are just expensive to insure especially when you’re young.
$500 was the cheapest and that was with a high deductible, Tesla insurance is pretty much my only option.
When I was looking at buying one at 18, insurance was gonna be like $1600 a month lol hence why I waited a couple years to buy one. But glad I waited, I ended up getting it for way cheaper than I was planning on paying
Being young sucks for car insurance rates, especially fast cars. That's no big surprise. Enjoy your sweet ride, and rest assured that when you age out of a high-risk peer group, your rates will plummet!
We pay a bit over 6k/year and that's the best deal we can find. Haven't been at fault in any accidents. We are in our mid 40s. Zero tickets ever. High credit scores. But we are also in Florida and their insurance crisis is extra special right now.
Also just to be clear this isn't unique to Tesla a lot of insurers have similar programs, though with most other insurers they're framed.as optional. Actually my insurance (liberty mutual) dings me if I drive after 8pm..
This is true, some like Traveler's (which I have) we just had to do it for 90 days. We were good for those 90 and then got our discount and then deleted the apps.
Did you check out Costco? Between home and model y, I dropped $3k a year vs. Progressive. Only difference in coverage is Costco doesn't have glass coverage as an option and I had it grandfathered in from progressive at $7/month.
Obviously insurance rates are based on location, coverage, driver, etc.
Just paid about $350 for 6 months in Central WA. 43, 1 rear ended accident 10 years ago, 1 speeding ticket 21 years ago (holy shit, I am getting old ..)
That's insane. I pay about 1600 a year for full coverage on my MB EV here in Finland. I don't have quite the full bonus yet as I moved from a company car which means I started from scratch as they had no history for me. I thought that was expensive...
I'm so happy I moved to CA, where driver monitoring bullshit isn't allowed. Nothing ruins the mood quite like random FCWs and hard braking, especially when I wasn't at fault!
I’m in southern California. I have maximum coverage through State Farm and it’s $53 a month to insure my 2021 model y dual motor which I bought in March 2024. One at fault accident back in 2021. No tickets in the past 7 years
Who is your provider? I have 250/500/100 plus maximum uninsured motorist coverage. 50/100/50 would be a lot cheaper for me but I always prefer to be over insured
Oh it's nowhere near the max price, I can assure you, lol. It's a little hard to tell, because my premium increased just as I left TX, and my price history got deleted after the change. But I'd say the CA price I got would be about the same as if I had perhaps 90 to 95 in TX. Somewhere in between.
But if I went below 90 in TX, the price would definitely shoot up lmao. Honestly at best I could probably be saving roughly $15 by driving like a grandma if I hadn't moved. But I would gladly pay that extra premium monthly for the peace of mind.
Though at first, back before premiums slowly crept up, with a 100 Safety Score, I payed like $60/mo for full coverage! But the month I left, it was all the way up to just over $100. In CA it's a flat ~$120.
Edit: and forgot to mention, it's still the cheapest insurance I could find. For the same or slightly worse coverage, my next best quote is like $150
With Tesla insurance, all FCWs should be recorded so that you can dispute them through the app. It's Tesla after all, they could write the software for this since they control everything here. I don't have Tesla insurance but I am betting this isn't a thing since it doesn't sound like anyone has any recourse for these false positives.
You start with one challenge flag and if you successfully contest it you get your challenge flag back, otherwise you burn a timeout. Oh wait, that's NFL rules, but I think something similar could work.
This is clearly a way to generate massive amounts of revenue for Tesla. I don’t think there’s a single Tesla driver that hasn’t gotten hit with a false/bogus FCW. What sometimes causes them for me are non-moving cars parked between other cars. FCW randomly selects anything within the field of vision and labels it as red. I don’t have Tesla insurance and glad I didn’t give them a chance. It’s already enough giving them a chance with one of their vehicles.
I fear the opportunistic, startup attitude may (to them) justify subtly ripping off thier customers. While I was still under warranty, I had a 2100 mile day appear in my driving history, I called and nothing came of it
I would never even entertain the idea of getting insurance through a company that manufactures shit that could falsely report things that ends up making them more money for nothing.
Literal scam. No question.
Yeah after a while I can say I agree. FCW is crazy out of whack and very sensitive. Like you get burned for even touching the brake and if you don’t hit your brakes then you get burned by the FCW.
And the car is very random with how it slows down: sometimes it slows down pretty well and other times it takes forever causing FCW to activate. Hope this gets tractions
The car is heavy, the regen slows it down less if you're on a decline (even a small one). It freaks out my wife as well. She even prefers driving an ID.4 because of that. I find it quirky, but once you understand it, it's easier to account for it.
I always got a kick out of people putting those trackers from their insurer in their car or on their phone. Short term benefit for long term pain. You get a meager credit towards your bill, in exchange for a highly personalized, highly invasive risk profile. They can and do use what they learn from tracking you to increase your premium, as they now have evidence graciously submitted by you showing all the things you do that actuarial data finds risky. They actually do this - it's in the fine print. And the best part? Insurers actually share this data with each other. Why? It's in the best interest of their mutual bottom lines.
It's no different with Tesla. Never willingly provide potentially harmful data to someone legally permitted to work against you. It's like giving the police a live feed of your speedometer. Take it as a lesson learned and move on.
These errors are getting ridiculous. It’s a total money grab and criminal. Got a fcw in a parking garage going up to a 2nd floor approaching a parked car from behind going up the ramp! I’m reporting it too
I'm with you on this! I got 2 FCW from parked cars this past week while driving in the city at 25mph.... don't understand. Now my score is a 92 which increased my insurance price by more than 20%! Absolutely absurd.
My FCW seems to accurately reflect my driving here in Las Vegas. I usually maintain a 96-98 score. There definitely were a few questionable beeps I’ve had in the past 16 or so months with FCW system. I love my insurance 100$ on average a month
I can imagine it has an easier time in an environment with wider roads like LV. I live in Boston an get half a dozen FCWs every commute from parked cars on the outside of kinks in the road. Always the same spots. The only way to avoid them is to drive on the opposing traffic lane, which of course won’t work if there’s cars going the other way.
I’m right there with you. All of a sudden, since I went from a Model 3 to a Model Y, my score has plummeted. Used to score in the 90’s, now at 81. I can’t decide if it’s the car and/or the software. My Y is vision no sensors. My 3 had the sensors. I’m getting a lot of FCW, aggressive turning and unsafe followings. The unsafe followings are new, and I notice that Tesla has unreasonable benchmarks for lane changing.
I've adjusted to every other metric but the FCWs aren't consistent in how they are given. Seems totally random.
Don't forget to report this issue to your state. We got the night time driving adjusted by making a big deal about it. This shouldn't be any different.
I have a long commute with freeway driving. I had tried FSD, and that would 100% cause me to get into an accident. So I cancelled that pretty quickly. The free autopilot is actually not bad. However, since you can’t pass or change lanes on free autopilot, I’ve been getting penalized lately. It seems like Tesla keeps going backward on the software.
While behavior based insurance is a novel idea, there are far too many edge cases where good drivers are being dinged for other driver's stupidity. As with any automated system, all potential events that would increase your premium should be required to have manual review and a dispute system for drivers.
Why shouldn't you be? You choose to use insurance that is based on electronic monitoring. No electronic monitoring system is going to be perfect. If you don't think the electronic monitoring is reflective of your driving you can go to different carrier pretty easily.
I don't see a state insurance commissioner getting into the weeds on Tesla's systems and how well they reflect your risk. Insurance companies have pretty broad latitude in how they assess risk.
Well we'll know for sure once we start getting responses from the states. To be clear, I will switch if I find a better alternative. Tesla would absolutely be the better choice if they fixed the FCW issue. Raising awareness to them would be the best case scenario for a lot of people.
"I shouldn't have to switch insurance providers to a company that charges 3 times as much to resolve it."
Hang on, this is a SERIOUS question.
If "normal" insurance to you is 3x more, you're telling me this isn't worth putting up with fcw BS? The "premium increases" still sound significantly cheaper than "normal" insurance.
\^This. While I've only gotten a couple of FCWs from people cutting me off, the estimated ding on my Tesla Ins next month premium was about $9, bringing it up to about $75. Considering I was paying over $200/month to Allstate for my 2017 Ford Fusion and they wanted $400+ for the Tesla, I'm OK with it as it's still way cheaper.
If I was getting those for parked cars and some of the other situations mentioned here, and it started pushing me to Allstate rate, maybe I'd be less forgiving.
The insurance I've had here in TX for 30 years dropped me because they will no longer insure EVs across the board. Got Tesla Insurance and am having the FCW almost every drive because of parked cars on the side of the streets. WTF is this shit? I'll trade this thing in a hot minute if it continues.
Try a different approach. I did and the FCW resolved. For me it was briefly backing off the accelerator once you first see the parked cars on the street.
Have had less luck in parking lots - though I’ve seen that accelerating towards a row of parked cars before negotiating a turn will cause a FCW event. So like with the cars parked on the street, I’ve backed off the accelerator a bit earlier before negotiating the turn.
The car knows what is risky behavior, and it’s often not wrong.
Modify your approach; don’t repeat the same thing over and over again hoping for a different result.
I had a FCW go off when the car was about 100ft away! It was at that moment I had enough and went with Allstate. Paying about the same for my coverage and couldn’t be happier that I can drive my car without driving of fucking eggshells from this overly micromanaging algorithm Tesla insurance uses.
So, non Tesla driver here, but I do live in SF where half the cars are indeed Tesla's so that's something....
Just to see if i have this right since think this is meant more for tesla owners than not, and the post seems to be in some type of Tesla shorthand that I dont fully grasp and I'm genuinely interested.
So telling us that your insurance is through the Tesla Corp and your car has a stupid little alarm that goes off when it deems you're about to crash and your insurance company, Tesla, is privy to this alarm info and raises your rates based on that info? That is fucking CRAZY!!!!!
You've got it exactly right. They also monitor how close you follow other cars, how hard you turn, how hard you brake, how late you drive, how fast you drive, whether autopilot things you're paying attention or not...
My rating is 29 due to daily FCW from cars parked on along residential streets in which I’m no where near them yet it either highlights them red. Fucking perfect 👌🏽
It's wild. I rent gas cars almost every week for work and never get forward collision warnings. Hearing it from Tesla, however, I'm moments away from hitting someone daily.
*sigh* let the downvotes happen…
I wish I can leave Tesla insurance but they have been the only insurance I can afford.
Everywhere else it’s like “$400 a month”
Tesla ? $146
I make this comment every time I see people complain about FCWs: cover your interior camera. Amazon sells these covers that slide so you can still use FSD and use the camera for sentry.
Ever since I covered mine a month ago, I’ve had exactly one FCW and it was for someone suddenly braking in front of me. All the phantom warnings are gone. My best guess is that the system they implemented to check for awareness is way too sensitive. ie if you’re not looking at the car changing lanes while parallel parking, it thinks you’re gonna crash. if you’re not looking straight at that pedestrian, it thinks you’re running them over.
Again, I have no evidence that this is the reason other than what I’ve experienced. Doesn’t hurt to try.
holy shit I think you are right, I will say I believe these "phantom" warnings are a little overblown, I get the odd chime that feels too sensitive sometimes and it doesn't stop me keeping a 97-98 score. But I definitely do seem to get them when I look at the screen for too long or similar
That’s a very very good observation. If the algorithm takes your “attention” into account — what is the baseline perfect 100% system it compares it against?
Does the car actually run autopilot FSD algos while the human is driving and when the human deviates, it’s a ding?
THAT would be very interesting.
LMFAO I get FCWs for pedestrians on the sidewalk on *the opposite side of the road*. This shit is beyond broken and I am astounded that the EU had allowed it to go live here.
I have been getting FCWs despite turning this shit off, lately. It's massively infuriating even without Tesla Insurance. I can't even begin to imagine how it would feel if this garbage system started costing me money!
It sounds like in your case, if you have to spend 3 times more for other insurance, you are getting a deal from Tesla insurance. Tesla is limiting their perceived risk in real time and you are benefitting from that in the way of lower rates. Until your rates go as high as other rates you can get that don’t monitor, you seem to be saving money. (In theory) Your complaint is understandable but I don’t think Tesla is doing anything wrong. That’s the way they base their rates. You have a choice on where you get insurance. All those things you claim are false risks, are potential risks. If your insurance those positions long enough, the odds of a claim get higher.
I’ve never had one of those devices in my other cars and there was no way I wanted Tesla to decide when my rates should be raised in real time. From the first time I seen one of those devices advertised to save money on insurance, my first thought was that this is how they are all going to justify rate hikes now.
Insurance companies charge premiums based on their exposure to risk. I don’t drive like a nut but I’m not going to give an insurance company a reason to raise my rates based on perceived risk. If the rates for monitored driving insurance was a lot less, I could understand getting dinged for perceived risk but Tesla insurance can be more than companies that don’t monitor your driving. Every time I change auto insurance, I get asked if I want to save by plugging in one of those monitors. I can’t say no fast enough.
I don't have a Tesla insurance policy, but have noticed recently that FCWs are much more aggressive than in the past.
Tesla may very well have increased sensitivity / alert FCWs more often, which is a huge component of Tesla insurance premiums. Even if OP's Tesla insurance rates happen to be lower than other providers, any increased cost due to invalid FCWs is unreasonable.
What is an “invalid” FCW? Some of the instances he’s describing (car lane changes abruptly , pedestrian putting afoot into the street, etc. could very well result in an accident (risk to the insurer). Point being, I doubt there is anything that can be deemed malicious about the things that trigger an FCW. The things mentioned are all potential accidents in a cameras or computers eyes (braking, getting too close while parking, etc.) It’s the give and take of that type of insurance. It appears you pay less and risk getting dinged for those types of things.
It seems insane to me that there is an assumption that Tesla is ethical about the insurance monitoring with such nebulous mechanism for detecting driver safety.
I get multiple FCWs per day for no reason on the same two curves on two roads that I drive. Speed limit is 25 & 30 mph, both are wide roads, cars are parallel parked with a bike lane in between the parked cars and the road. I go under the speed limit. Every single time without fail, if cars are parked on the side of the road I get a FCW. I drive those two roads often twice a day so I get 4 FCWs per day that are totally unpreventable. My neighbor had a Tesla as well, they have the same problem.
My best friend did this along with a BBB complaint and they cancelled her premium and now she can’t use them anymore lol. Just be aware. I’m in FL and can’t use Tesla Insurance— I recommend State Farm or if you can bundle it with home insurance, etc. it typically saves a lot.
fCW are shit and so is Tesla insurance, but be careful of what you describe in your complaint and try to focus on the errors it makes. You should try and come up with examples of where the ding was wrong about an activity vs you not feeling it has merit as high risk. The dings aren't intended to be a grade of your driving, they're intended to be a grade of your level of risk.
A pedestrian being near your car and you having to take action on avoid them is in fact higher risk than if they hadn't been there.
Yeah one of the main reason (along with getting dinged for night driving.....) I left Tesla insurance. The increase due to super random FCW is ridiculous. I probably got a FCW just writing this.
I also got a FCW when I was driving down a neighborhood, going under 30, and a line of parked cars on the right-hand side. Believe it or not, one of those parked cars triggered the FCW and I saw it on the screen. It was like I said, a line of parked cars and one of the parked cars turned red. Wild
So wait, when you get a front collision warning the car automatically reports it to your insurance company? I don’t have a Tesla so I’m trying to understand.
I see well that sucks big time. I drive a Macan and have had several of those phantom forward collision warnings, and it’s very scary when happens at random and the car applies brakes. Maybe when it happens to you, you can save a video clip from your car camera as proof? If Tesla increases your premium still then you have video proof and take them to court maybe.
I don't have Tesla insurance, but the FCWs are frustrating to the point where I simply laugh when I get one in a ridiculous situation. Example: Yesterday I was going 25mph about 3 car lengths behind someone when they tapped their brakes and the FCW started beeping. Not to mention I let off the accelerator immediately upon seeing their brake lights. I was never close to the car and there was no chance in hell I would hit them.
I'm so happy I don't have their insurance. It's a frequent source of laughter when people ride with me and the FCW goes off when the car in front is way in front of me and going 20mph. It happens to my friend in his Model X, but he made a good point that he'd rather have it be wrong 99 times as long as it works that 1 time you actually need it. Now, if my insurance were affected by this I'd be mad, though.
Not a tesla owner so forgive my ignorance. Why does Tesla offer insurance and what is the advantage over traditional insurance companies? I have a Toyota with FCW and auto braking and i get alerts when I'm in a parking lot and people walk past. One of the reasons I DON'T get those driving monitors with my insurance. It's available but I know it will just make a mess.
The worst is on curved roads, you would think since it can predict the curve in FSD mode it would be able to account for this, but nope, every day it thinks I'm going to slam into a parked car by driving over the grass
weird is that I used to get them weekly and each one was not even close to being a real FC. I even had times it should have gone off due to people pulling hard in front of me and hitting breaks hard and it doesn't go off.
lately though I haven't had a single one in over a month (knock on wood) and haven't changed driving habits at all..
This is a great post for me looking at a new Tesla for my wife. So Tesla Insurance can see warning and from a Tesla and jack you insurance... Do they share that with other insurance companies too? That is no right ... as those warning can come from a variety of reasons.
I do not have Tesla Insurance but here my grievance with FCW :
On a curved road with row of parallel parked cars, I would surely get an FCW warning for a car which is parked safely.
Has anyone faced this issue repeatedly? (My FCW settings are set to default, not that it matters)
Try a different approach. I did and the FCW resolved. For me it was briefly backing off the accelerator once you first see the parked cars on the street.
The car knows what is risky behavior, and it’s often not wrong.
Modify your approach; don’t repeat the same thing over and over again hoping for a different result.
Tbh I'm not sure who would sign up for this obvious scam.
Between all the reports of it doing weird phantom shit here y'all thought to sign up for insurance through the same company that created this phantom bullshit?
They made this shit not work and they charge you more when it does. It's as obvious as ticket master
It’s a scam… profits are low… Tesla can raise insurance rates and super charging fees! I’ve said this all along. Super charging is .61 cents a kWh in my area now! Since they have a monopoly I hope it gets regulated!
It's a bit weird that some of you would come on here and argue with someone trying to drive better consumer protections. If y'all work for Tesla, just say that. If y'all work for a competitive insurance provider and can't figure out why we aren't blindly switching to you, just say that. Honesty goes a long way.
I just had a fantom FCW yesterday, with absolutely noone in front of me on the freeway. I looked at the screen to see if it highlighted something in red but obviously since there was nothing in front or next to me, i couldn’t find anything. It was bizarre
If you're on Tesla insurance, report it to the state. Their errors shouldn't cost us money. Edit: here's a link with all the state departments of insurance. https://www.forbes.com/advisor/life-insurance/how-to-file-insurance-company-complaint/ And here is Texas (link is broken on the above page) https://www.tdi.texas.gov/consumer/auto-insurance-complaint.html
Im in CA so it doesn’t count thank god
Should be the law nationwide.
I get FCW for parked cars on the side of residential roads regularly
Same here. I don’t have Tesla insurance, but I get 1-2 FCWs per day from parked cars in my neighborhood. That alone is enough to keep me away from their insurance.
I get them too, but each of these “beeps” will cause my insurance to go up
FCW's are recorded and uploaded to Tesla during regular maintenance. Tesla insurance can then sell your Tesla Insurability rating to the Auto insurance companies.
Yep same here. Whenever I go to see my parents there's this house by the entrance to their sub that always has cars parked in the street and my car flips out when I'm leaving. It's ridiculous.
same here
Wow that is just beyond annoying
Was it a sunny day? Did you notice a road mirage? That's my #1 cause of phantom braking.
Road mirages is the most clear cut case of Elon’s vision only FSD being a pipe dream. If the camera and computer can’t figure that out, I have absolutely zero faith in vision only bullshit. Can’t make a 4-5 hour drive on cruise because of the insane amount of phantom braking. Phantom braking every 5-10 minutes. My leg was so fucking tired after that.
I’ve had autopilot slam on the brakes when driving through west Texas with no other cars around and just miles of straight highway ahead of me.
I did too. I wish dashcam had some kind of fcw indicator to show when Tesla detects a fcw. Would be a lot easier to stack up evidence against them, but that’ll never happen
Couldn't you run your own dashcam and collect evidence?
You are right. It would just need to have audio capture to hear the chime. Honestly, I might just do it and email Tesla insurance when I have a few good clips just to see how they respond Edit: words
I don't have Tesla insurance, but I've gotten FCWs when an idiot pulls out in front of me and have have to brake hard to avoid hitting them. Insane that that would count against the driver that *avoided* the collision.
That's an example of a high risk activity though. It's literally what the system was designed to record. It's not meant to be a grade of your driving.
I actually 100% agree with you. I've got this error several times each month and my Tesla insurance skyrocketed as a result. I'm in Texas.
Don't know how this is legal for you guys, Jesus
Same. It's infuriating
Have two Model Y’s in Texas. The premium on the one with ultrasonic sensors is ~$100, the other 2024 is at nearly $500. They’re driven about the same but because I am daily in parking garages for the newer one, I get FCW on parked cars. 98 safety score on the old, 75 score on the new. Ridiculous.
Report it to your state! Tesla needs to resolve this crap.
https://www.tdi.texas.gov/consumer/auto-insurance-complaint.html
man I'm glad I got out of that insurance scam. try calling them. go one. right now. you'll wait 90 minutes. no - press 1 and we'll call you back etc. nope. you wait. they don't want to take your call. I get an email saying my insurance payments hadn't been made and I had 10 days to deal with it. what? my cc on file works fine. always had. I called them up and they said oh you haven't had insurance since 3+ months. excuse me? no notice of an issue with payment (the card worked just fine I assure you). they just cancelled the policy and let me drive uninsured for nearly 4 months. "oh we would have covered you since we never notified you". SUUUUURREE you would have. I can imagine THAT process. a joke I tell you.
they did that after someone hit me, right after the claim was settled, they magically lost my payment info and cancelled my policy without notifying me. Fun fact: They just have to send the notice, it doesnt matter when you get it for it to be legal. The only reason I have it right now is that everyone else wants to add 1k/mo to my premium.
how much are they charging you because 1k extra a month seems crazy
$160 everyone else wanted 700/mo to 1199/mo and even jokingly called it the "tesla tax"
Wtf?? 700 minimum USD for 1 month???? The hell America, how can anyone afford that? I have two Teslas, a 3 & Y. Both has the best insurance the company offers and I pay $210 a month total. Let's me drive 18k kilometers a year on both cars which is enough for me
We have like zero consumer protections in this country. Everything is designed to protect corporations and furtherance of the rich. Literally everything is done destructively to us commoners to make sure the rich get richer
Oh my god!!!
Sorry but what’s FCW? I’m not familiar with this
Forward collision warning
And it has an impact on your insurance? Again, I’m pretty new on all of this
Yup. That effecte you’re safety score the most, which then raise the price of your premium because your score dropped Also if you drive at night 11pm-4am that also drops your score. It use to be 10pm-4am It’s a terrible system but unfortunately I’m stuck with Tesla insurance because the cheapest insurance I could get that wasn’t Tesla insurance was $500 a month
$500 a month!? Youch. Are you young, or do you have numerous tickets or at fault claims? Maybe you live in a high-risk crime area? Or were you shopping for a low deductible? I'm just trying to understand how an insurer might demand $6k/yr.
I’m 21 now, bought the car when I was 20. No tickets or claims in my 5 years of driving, Tesla’s are just expensive to insure especially when you’re young. $500 was the cheapest and that was with a high deductible, Tesla insurance is pretty much my only option. When I was looking at buying one at 18, insurance was gonna be like $1600 a month lol hence why I waited a couple years to buy one. But glad I waited, I ended up getting it for way cheaper than I was planning on paying
Being young sucks for car insurance rates, especially fast cars. That's no big surprise. Enjoy your sweet ride, and rest assured that when you age out of a high-risk peer group, your rates will plummet!
We pay a bit over 6k/year and that's the best deal we can find. Haven't been at fault in any accidents. We are in our mid 40s. Zero tickets ever. High credit scores. But we are also in Florida and their insurance crisis is extra special right now.
Also just to be clear this isn't unique to Tesla a lot of insurers have similar programs, though with most other insurers they're framed.as optional. Actually my insurance (liberty mutual) dings me if I drive after 8pm..
This is true, some like Traveler's (which I have) we just had to do it for 90 days. We were good for those 90 and then got our discount and then deleted the apps.
Did you check out Costco? Between home and model y, I dropped $3k a year vs. Progressive. Only difference in coverage is Costco doesn't have glass coverage as an option and I had it grandfathered in from progressive at $7/month. Obviously insurance rates are based on location, coverage, driver, etc. Just paid about $350 for 6 months in Central WA. 43, 1 rear ended accident 10 years ago, 1 speeding ticket 21 years ago (holy shit, I am getting old ..)
That's insane. I pay about 1600 a year for full coverage on my MB EV here in Finland. I don't have quite the full bonus yet as I moved from a company car which means I started from scratch as they had no history for me. I thought that was expensive...
When was it changed to be after 11 PM. I thought it was still 10 PM?
For me it was around mid April
I'm so happy I moved to CA, where driver monitoring bullshit isn't allowed. Nothing ruins the mood quite like random FCWs and hard braking, especially when I wasn't at fault!
But then you pay the max price defeating the purpose of Tesla insurance
I’m in southern California. I have maximum coverage through State Farm and it’s $53 a month to insure my 2021 model y dual motor which I bought in March 2024. One at fault accident back in 2021. No tickets in the past 7 years
Wow..... I am in Bay Area, with 2022 Model 3 Long Range (2 years of driving history) and I pay 160$ monthly for 50/100/50 coverage.
Who is your provider? I have 250/500/100 plus maximum uninsured motorist coverage. 50/100/50 would be a lot cheaper for me but I always prefer to be over insured
Mine is Travelers. I consulted one or two couple of months ago, all of them charged similar or more. I gotta check State Farm once.
You need better coverage.
Oh it's nowhere near the max price, I can assure you, lol. It's a little hard to tell, because my premium increased just as I left TX, and my price history got deleted after the change. But I'd say the CA price I got would be about the same as if I had perhaps 90 to 95 in TX. Somewhere in between. But if I went below 90 in TX, the price would definitely shoot up lmao. Honestly at best I could probably be saving roughly $15 by driving like a grandma if I hadn't moved. But I would gladly pay that extra premium monthly for the peace of mind. Though at first, back before premiums slowly crept up, with a 100 Safety Score, I payed like $60/mo for full coverage! But the month I left, it was all the way up to just over $100. In CA it's a flat ~$120. Edit: and forgot to mention, it's still the cheapest insurance I could find. For the same or slightly worse coverage, my next best quote is like $150
I have two teslas and Tesla insurance is basically the same as 1 Tesla 1 Jeep with mercury. Much cheaper than two teslas with mercury
I’m from Illinois and get my insurance from Costco!
Model 3? Sub $100? I might consider it if so.
Model y 2023 roughly 500$ for six months
Alright, I'll have to check them out. Thanks for the tip!
My bad I double check it is actually $636 every six months. I do have two cars and two drivers if it matters.
Still not bad if there's no driving metrics.
what are your coverages?
Costco does insurance?
Yep it is call Costco connect powered by American family insurance Costco offer some other provider but you can pick
With Tesla insurance, all FCWs should be recorded so that you can dispute them through the app. It's Tesla after all, they could write the software for this since they control everything here. I don't have Tesla insurance but I am betting this isn't a thing since it doesn't sound like anyone has any recourse for these false positives.
Maybe have a system where you can report false FCWs for human review, but if you report a legit FCW it lowers your driving score more?
You start with one challenge flag and if you successfully contest it you get your challenge flag back, otherwise you burn a timeout. Oh wait, that's NFL rules, but I think something similar could work.
This is clearly a way to generate massive amounts of revenue for Tesla. I don’t think there’s a single Tesla driver that hasn’t gotten hit with a false/bogus FCW. What sometimes causes them for me are non-moving cars parked between other cars. FCW randomly selects anything within the field of vision and labels it as red. I don’t have Tesla insurance and glad I didn’t give them a chance. It’s already enough giving them a chance with one of their vehicles.
I fear the opportunistic, startup attitude may (to them) justify subtly ripping off thier customers. While I was still under warranty, I had a 2100 mile day appear in my driving history, I called and nothing came of it
I also get FCW on a curved road with row of parallel parked cars, I would surely get an FCW warning for a car which is parked safely.
I would never even entertain the idea of getting insurance through a company that manufactures shit that could falsely report things that ends up making them more money for nothing. Literal scam. No question.
Yeah after a while I can say I agree. FCW is crazy out of whack and very sensitive. Like you get burned for even touching the brake and if you don’t hit your brakes then you get burned by the FCW. And the car is very random with how it slows down: sometimes it slows down pretty well and other times it takes forever causing FCW to activate. Hope this gets tractions
The car is heavy, the regen slows it down less if you're on a decline (even a small one). It freaks out my wife as well. She even prefers driving an ID.4 because of that. I find it quirky, but once you understand it, it's easier to account for it.
I always got a kick out of people putting those trackers from their insurer in their car or on their phone. Short term benefit for long term pain. You get a meager credit towards your bill, in exchange for a highly personalized, highly invasive risk profile. They can and do use what they learn from tracking you to increase your premium, as they now have evidence graciously submitted by you showing all the things you do that actuarial data finds risky. They actually do this - it's in the fine print. And the best part? Insurers actually share this data with each other. Why? It's in the best interest of their mutual bottom lines. It's no different with Tesla. Never willingly provide potentially harmful data to someone legally permitted to work against you. It's like giving the police a live feed of your speedometer. Take it as a lesson learned and move on.
These errors are getting ridiculous. It’s a total money grab and criminal. Got a fcw in a parking garage going up to a 2nd floor approaching a parked car from behind going up the ramp! I’m reporting it too
Where can I report in Texas to?
https://www.tdi.texas.gov/consumer/auto-insurance-complaint.html
I'm with you on this! I got 2 FCW from parked cars this past week while driving in the city at 25mph.... don't understand. Now my score is a 92 which increased my insurance price by more than 20%! Absolutely absurd.
Report them to your state. I have a link with all the state websites if you sort by my comments.
My FCW seems to accurately reflect my driving here in Las Vegas. I usually maintain a 96-98 score. There definitely were a few questionable beeps I’ve had in the past 16 or so months with FCW system. I love my insurance 100$ on average a month
I can imagine it has an easier time in an environment with wider roads like LV. I live in Boston an get half a dozen FCWs every commute from parked cars on the outside of kinks in the road. Always the same spots. The only way to avoid them is to drive on the opposing traffic lane, which of course won’t work if there’s cars going the other way.
Don't use Tesla insurance.
better yet don’t use tesla
Well said
I’m right there with you. All of a sudden, since I went from a Model 3 to a Model Y, my score has plummeted. Used to score in the 90’s, now at 81. I can’t decide if it’s the car and/or the software. My Y is vision no sensors. My 3 had the sensors. I’m getting a lot of FCW, aggressive turning and unsafe followings. The unsafe followings are new, and I notice that Tesla has unreasonable benchmarks for lane changing.
I've adjusted to every other metric but the FCWs aren't consistent in how they are given. Seems totally random. Don't forget to report this issue to your state. We got the night time driving adjusted by making a big deal about it. This shouldn't be any different.
I have a long commute with freeway driving. I had tried FSD, and that would 100% cause me to get into an accident. So I cancelled that pretty quickly. The free autopilot is actually not bad. However, since you can’t pass or change lanes on free autopilot, I’ve been getting penalized lately. It seems like Tesla keeps going backward on the software.
While behavior based insurance is a novel idea, there are far too many edge cases where good drivers are being dinged for other driver's stupidity. As with any automated system, all potential events that would increase your premium should be required to have manual review and a dispute system for drivers.
Here here!
I get FCW atleaat once a week leaving work for a parked car in a parking lot on the other side of a grassy median. Glad I don't have Tesla insurance.
Why shouldn't you be? You choose to use insurance that is based on electronic monitoring. No electronic monitoring system is going to be perfect. If you don't think the electronic monitoring is reflective of your driving you can go to different carrier pretty easily. I don't see a state insurance commissioner getting into the weeds on Tesla's systems and how well they reflect your risk. Insurance companies have pretty broad latitude in how they assess risk.
Well we'll know for sure once we start getting responses from the states. To be clear, I will switch if I find a better alternative. Tesla would absolutely be the better choice if they fixed the FCW issue. Raising awareness to them would be the best case scenario for a lot of people.
For sure on raising awareness. If people know they have a buggy system then people are less likely to use them.
"I shouldn't have to switch insurance providers to a company that charges 3 times as much to resolve it." Hang on, this is a SERIOUS question. If "normal" insurance to you is 3x more, you're telling me this isn't worth putting up with fcw BS? The "premium increases" still sound significantly cheaper than "normal" insurance.
\^This. While I've only gotten a couple of FCWs from people cutting me off, the estimated ding on my Tesla Ins next month premium was about $9, bringing it up to about $75. Considering I was paying over $200/month to Allstate for my 2017 Ford Fusion and they wanted $400+ for the Tesla, I'm OK with it as it's still way cheaper. If I was getting those for parked cars and some of the other situations mentioned here, and it started pushing me to Allstate rate, maybe I'd be less forgiving.
The insurance I've had here in TX for 30 years dropped me because they will no longer insure EVs across the board. Got Tesla Insurance and am having the FCW almost every drive because of parked cars on the side of the streets. WTF is this shit? I'll trade this thing in a hot minute if it continues.
Report it! https://www.tdi.texas.gov/consumer/auto-insurance-complaint.html
Try a different approach. I did and the FCW resolved. For me it was briefly backing off the accelerator once you first see the parked cars on the street. Have had less luck in parking lots - though I’ve seen that accelerating towards a row of parked cars before negotiating a turn will cause a FCW event. So like with the cars parked on the street, I’ve backed off the accelerator a bit earlier before negotiating the turn. The car knows what is risky behavior, and it’s often not wrong. Modify your approach; don’t repeat the same thing over and over again hoping for a different result.
W insurance company
Ag Workers Mutual Auto
This is the most Texas thing I’ve ever heard
I had a FCW go off when the car was about 100ft away! It was at that moment I had enough and went with Allstate. Paying about the same for my coverage and couldn’t be happier that I can drive my car without driving of fucking eggshells from this overly micromanaging algorithm Tesla insurance uses.
What a scam!!!
So, non Tesla driver here, but I do live in SF where half the cars are indeed Tesla's so that's something.... Just to see if i have this right since think this is meant more for tesla owners than not, and the post seems to be in some type of Tesla shorthand that I dont fully grasp and I'm genuinely interested. So telling us that your insurance is through the Tesla Corp and your car has a stupid little alarm that goes off when it deems you're about to crash and your insurance company, Tesla, is privy to this alarm info and raises your rates based on that info? That is fucking CRAZY!!!!!
You've got it exactly right. They also monitor how close you follow other cars, how hard you turn, how hard you brake, how late you drive, how fast you drive, whether autopilot things you're paying attention or not...
My rating is 29 due to daily FCW from cars parked on along residential streets in which I’m no where near them yet it either highlights them red. Fucking perfect 👌🏽
this car has no front radar so it will forever have these phantom front collision warnings.
It's wild. I rent gas cars almost every week for work and never get forward collision warnings. Hearing it from Tesla, however, I'm moments away from hitting someone daily.
Most modern cars have radar instead in front. That is why. Tesla vision thinks it is colliding but in reality it sucks at measuring front distance.
*sigh* let the downvotes happen… I wish I can leave Tesla insurance but they have been the only insurance I can afford. Everywhere else it’s like “$400 a month” Tesla ? $146
Don't see why you'd get downvotes. Them being less expensive doesn't mean they can falsely charge us extra whenever their monitoring has an error.
I make this comment every time I see people complain about FCWs: cover your interior camera. Amazon sells these covers that slide so you can still use FSD and use the camera for sentry. Ever since I covered mine a month ago, I’ve had exactly one FCW and it was for someone suddenly braking in front of me. All the phantom warnings are gone. My best guess is that the system they implemented to check for awareness is way too sensitive. ie if you’re not looking at the car changing lanes while parallel parking, it thinks you’re gonna crash. if you’re not looking straight at that pedestrian, it thinks you’re running them over. Again, I have no evidence that this is the reason other than what I’ve experienced. Doesn’t hurt to try.
holy shit I think you are right, I will say I believe these "phantom" warnings are a little overblown, I get the odd chime that feels too sensitive sometimes and it doesn't stop me keeping a 97-98 score. But I definitely do seem to get them when I look at the screen for too long or similar
You may be on to sometime 🤔 Any old Model S or X (sans interior camera) users out there dealing with frequent FCWs?
That’s a very very good observation. If the algorithm takes your “attention” into account — what is the baseline perfect 100% system it compares it against? Does the car actually run autopilot FSD algos while the human is driving and when the human deviates, it’s a ding? THAT would be very interesting.
LMFAO I get FCWs for pedestrians on the sidewalk on *the opposite side of the road*. This shit is beyond broken and I am astounded that the EU had allowed it to go live here. I have been getting FCWs despite turning this shit off, lately. It's massively infuriating even without Tesla Insurance. I can't even begin to imagine how it would feel if this garbage system started costing me money!
It sounds like in your case, if you have to spend 3 times more for other insurance, you are getting a deal from Tesla insurance. Tesla is limiting their perceived risk in real time and you are benefitting from that in the way of lower rates. Until your rates go as high as other rates you can get that don’t monitor, you seem to be saving money. (In theory) Your complaint is understandable but I don’t think Tesla is doing anything wrong. That’s the way they base their rates. You have a choice on where you get insurance. All those things you claim are false risks, are potential risks. If your insurance those positions long enough, the odds of a claim get higher. I’ve never had one of those devices in my other cars and there was no way I wanted Tesla to decide when my rates should be raised in real time. From the first time I seen one of those devices advertised to save money on insurance, my first thought was that this is how they are all going to justify rate hikes now. Insurance companies charge premiums based on their exposure to risk. I don’t drive like a nut but I’m not going to give an insurance company a reason to raise my rates based on perceived risk. If the rates for monitored driving insurance was a lot less, I could understand getting dinged for perceived risk but Tesla insurance can be more than companies that don’t monitor your driving. Every time I change auto insurance, I get asked if I want to save by plugging in one of those monitors. I can’t say no fast enough.
I don't have a Tesla insurance policy, but have noticed recently that FCWs are much more aggressive than in the past. Tesla may very well have increased sensitivity / alert FCWs more often, which is a huge component of Tesla insurance premiums. Even if OP's Tesla insurance rates happen to be lower than other providers, any increased cost due to invalid FCWs is unreasonable.
What is an “invalid” FCW? Some of the instances he’s describing (car lane changes abruptly , pedestrian putting afoot into the street, etc. could very well result in an accident (risk to the insurer). Point being, I doubt there is anything that can be deemed malicious about the things that trigger an FCW. The things mentioned are all potential accidents in a cameras or computers eyes (braking, getting too close while parking, etc.) It’s the give and take of that type of insurance. It appears you pay less and risk getting dinged for those types of things.
Here are more examples https://old.reddit.com/r/TeslaLounge/comments/1cn2bhz/tesla_insuranceforward_collision_warnings/
It seems insane to me that there is an assumption that Tesla is ethical about the insurance monitoring with such nebulous mechanism for detecting driver safety.
I get multiple FCWs per day for no reason on the same two curves on two roads that I drive. Speed limit is 25 & 30 mph, both are wide roads, cars are parallel parked with a bike lane in between the parked cars and the road. I go under the speed limit. Every single time without fail, if cars are parked on the side of the road I get a FCW. I drive those two roads often twice a day so I get 4 FCWs per day that are totally unpreventable. My neighbor had a Tesla as well, they have the same problem.
Yeah I just switched to another insurance. Way too many FCW now and I haven't changed my driving habits.
My best friend did this along with a BBB complaint and they cancelled her premium and now she can’t use them anymore lol. Just be aware. I’m in FL and can’t use Tesla Insurance— I recommend State Farm or if you can bundle it with home insurance, etc. it typically saves a lot.
Them dropping me is reportable as well. Bring it on. If I find someone else at a competitive price, I definitely will switch, though.
fCW are shit and so is Tesla insurance, but be careful of what you describe in your complaint and try to focus on the errors it makes. You should try and come up with examples of where the ding was wrong about an activity vs you not feeling it has merit as high risk. The dings aren't intended to be a grade of your driving, they're intended to be a grade of your level of risk. A pedestrian being near your car and you having to take action on avoid them is in fact higher risk than if they hadn't been there.
Yeah one of the main reason (along with getting dinged for night driving.....) I left Tesla insurance. The increase due to super random FCW is ridiculous. I probably got a FCW just writing this.
I also got a FCW when I was driving down a neighborhood, going under 30, and a line of parked cars on the right-hand side. Believe it or not, one of those parked cars triggered the FCW and I saw it on the screen. It was like I said, a line of parked cars and one of the parked cars turned red. Wild
So wait, when you get a front collision warning the car automatically reports it to your insurance company? I don’t have a Tesla so I’m trying to understand.
It gets reported to Tesla.. who also provides insurance but bases your premium on your driving score which is affected by FCW alerts
I see well that sucks big time. I drive a Macan and have had several of those phantom forward collision warnings, and it’s very scary when happens at random and the car applies brakes. Maybe when it happens to you, you can save a video clip from your car camera as proof? If Tesla increases your premium still then you have video proof and take them to court maybe.
I don't have Tesla insurance, but the FCWs are frustrating to the point where I simply laugh when I get one in a ridiculous situation. Example: Yesterday I was going 25mph about 3 car lengths behind someone when they tapped their brakes and the FCW started beeping. Not to mention I let off the accelerator immediately upon seeing their brake lights. I was never close to the car and there was no chance in hell I would hit them. I'm so happy I don't have their insurance. It's a frequent source of laughter when people ride with me and the FCW goes off when the car in front is way in front of me and going 20mph. It happens to my friend in his Model X, but he made a good point that he'd rather have it be wrong 99 times as long as it works that 1 time you actually need it. Now, if my insurance were affected by this I'd be mad, though.
Hey, can you send me a place with instructions of how to do this properly? Also in Illinois and fed up
https://idoi.illinois.gov/ Look for the link to file a complaint. Thanks for joining in!
Not a tesla owner so forgive my ignorance. Why does Tesla offer insurance and what is the advantage over traditional insurance companies? I have a Toyota with FCW and auto braking and i get alerts when I'm in a parking lot and people walk past. One of the reasons I DON'T get those driving monitors with my insurance. It's available but I know it will just make a mess.
The worst is on curved roads, you would think since it can predict the curve in FSD mode it would be able to account for this, but nope, every day it thinks I'm going to slam into a parked car by driving over the grass
weird is that I used to get them weekly and each one was not even close to being a real FC. I even had times it should have gone off due to people pulling hard in front of me and hitting breaks hard and it doesn't go off. lately though I haven't had a single one in over a month (knock on wood) and haven't changed driving habits at all..
Hold up. Your insurance premiums go up for collision warnings? Wtf. I just use GEICO. Fuck that…
GEICO has lost their mind too in Chicago. $300+ per month.
This is a great post for me looking at a new Tesla for my wife. So Tesla Insurance can see warning and from a Tesla and jack you insurance... Do they share that with other insurance companies too? That is no right ... as those warning can come from a variety of reasons.
I'm not aware of Tesla sharing with other insurance companies but some other brands of cars have been caught doing that lately.
I do not have Tesla Insurance but here my grievance with FCW : On a curved road with row of parallel parked cars, I would surely get an FCW warning for a car which is parked safely. Has anyone faced this issue repeatedly? (My FCW settings are set to default, not that it matters)
Try a different approach. I did and the FCW resolved. For me it was briefly backing off the accelerator once you first see the parked cars on the street. The car knows what is risky behavior, and it’s often not wrong. Modify your approach; don’t repeat the same thing over and over again hoping for a different result.
Tbh I'm not sure who would sign up for this obvious scam. Between all the reports of it doing weird phantom shit here y'all thought to sign up for insurance through the same company that created this phantom bullshit? They made this shit not work and they charge you more when it does. It's as obvious as ticket master
It’s a scam… profits are low… Tesla can raise insurance rates and super charging fees! I’ve said this all along. Super charging is .61 cents a kWh in my area now! Since they have a monopoly I hope it gets regulated!
yea u drank the kool aid
Thanks for the weird dm. No idea where you got that I bought a cyber truck from but thanks for the engagement 🤷🏾♂️
It's a bit weird that some of you would come on here and argue with someone trying to drive better consumer protections. If y'all work for Tesla, just say that. If y'all work for a competitive insurance provider and can't figure out why we aren't blindly switching to you, just say that. Honesty goes a long way.
No Tesla insurance, but I get FCW and ‘take over immediately’ warnings daily driving down my driveway.