This is kind of buried in the article, but it annoys me when articles lead with a clickbait title and then <i>basically admit</i> in their own article how their clickbait title is bullshit. That is, even though the loss ratio is much higher than the industry average and indicates a loss, it has been going down for the past 3 years (116.6 in 2022, 114.7 in 2023, and 103.3 in 2024). I would expect that any startup offering would start out with a loss that then eventually turned to a profit over time.<p>All that said, I think Tesla and the EV industry as a whole will need to do a lot to bring down their repair costs. It's insane that these cars are designed in such a way that even minor fender benders cost tens of thousands to repair. I actually think government should create liability limits for vehicles to incentivize car makers to make repairable cars. That is, if you're driving around with a Faberge egg as a hood ornament, and I ding it, I don't think I should be responsible for the outrageous repair charges - the recklessness was on your side, in my opinion, for putting such a fragile/expensive machine on public roads. Otherwise car makers have little incentive to improve the repairability of their cars.