Core Viewpoint - The article discusses the challenges faced by Tesla's insurance business, highlighting high loss ratios and customer dissatisfaction, while emphasizing the need for improvements in their insurance model and customer service [4][10][16]. Group 1: Tesla's Insurance Business Performance - Tesla's insurance business has expanded to 16 states since its launch in California in 2019, aiming to offer competitive rates based on real driving data [4]. - Despite initial optimism, Tesla's insurance division is struggling financially, with loss ratios significantly exceeding industry averages. In 2022, Tesla's loss ratio was 116.6%, compared to the industry average of 80.1% [8]. - In 2023, Tesla's loss ratio remained high at 114.7%, while the industry average improved to 75.4%. Projections for 2024 indicate a loss ratio of 103.3% for Tesla against an industry average of 66.1% [8]. Group 2: Customer Experience and Satisfaction - Tesla's insurance model relies on a "safety score" system that monitors driving behavior, but this has led to confusion and dissatisfaction among customers, with reports of declining scores despite cautious driving [12][14]. - Customer complaints about long repair times, poor communication, and frustrating claims processes have been prevalent since the launch of Tesla's insurance services [16]. - To address these issues, Tesla has introduced AI customer service systems to streamline communication and reduce wait times, but the effectiveness of these measures remains to be seen [16][17]. Group 3: Market Dynamics and Future Outlook - The rising insurance costs for Tesla vehicles, with a reported 30% increase for Model Y, reflect the challenges in balancing competitive rates with high claims costs and increasing risks of vandalism [17]. - Analysts suggest that Tesla's insurance business is at a critical juncture, needing to find a balance between offering competitive rates and managing higher-than-average claims expenses [17]. - The average repair cost for Tesla vehicles is 32% higher than that of internal combustion engine vehicles, indicating ongoing challenges in profitability for Tesla's insurance operations [18].

在现任美国总统唐纳德·特朗普于2024年11月5日胜选前后的数周之内，特斯拉（Tesla）的股价经历了公 开上市股票历史上最惊人的涨势之一，在短短一个多月的时间里，其股价涨幅超过50%，市值增加了近 5,000亿美元。 这一波涨势扭转了特斯拉在过去三年来的颓势。此前，这家电动汽车制造商的基本面持续恶化，首席执 行官埃隆·马斯克屡次未能兑现其关于全自动驾驶汽车和经济型大众市场车型的承诺，令投资者大失所 望。但在2024年10月，马斯克承诺将在2025年的年中开始生产期待已久的Cybercab无人驾驶出租车。更 为重要的是：在2024年的美国总统大选过后，投资者认为马斯克作为特朗普经济团队里备受瞩目的成员 的新身份，有望引领特斯拉重振雄风。马斯克通过美国政府效率部（Department of Government Efficiency）在削减联邦官僚机构方面取得的初步成果，唤醒了特斯拉的支持者们对马斯克那种化不可 能为可能的魔力的信念。 埃隆·马斯克的政治活动引发争议，而这一情况对特斯拉的销量与股价造成负面影响。图片来源：Chip Somodevilla—Getty Images 然而，这种魔力很快就消失了。如今 ...