Lou Whiteman

Look, for now, full self-driving is engaged primarily in the most straightforward, easy parts of the drive, which would suggest the least likely to have accidents.

It's when things get

hairy is when full self-driving has to hand it off to humans.

It's probably a pretty good bet to make, but I think it is a bet.

I think the longer-term future is that, yes, as cars get smarter, we should just see

incidents go down and that should affect rates whether or not there are discounts or not.

This is aggressive, this is splashy, this is neat, but I think it's more marketing.

If and when these systems are ready for prime time, I don't think first mover advantage for Lemonade really matters here.

I think State Farm, I think Geico, I think everyone else can ramp up these systems pretty quick because they're all looking at this, this isn't going to catch anyone off guard.

Automakers have been thinking about this for a long time.

And so far, it hasn't come through.

Was it Mercedes that tried to charge you a subscription for heated seats?

I think it was BMW.

Or was it BMW?

This is a hard thing to change consumer preference on, if anything.

And this is why it's interesting.

I think you point out Tesla's actually behind here.

And they're charging for stuff that others include.

A lot of it, like with Honda, I know it's the premium models.

Not every model has it.