<p><strong>特斯拉公司</strong>（NASDAQ:TSLA）是美国电动车销售的领导者，并且已经扩展到可能颠覆其他行业的新增长领域。其中一个领域是保险，特斯拉在某些州为其车主提供保险政策。</p>
<p>时隔三年，特斯拉保险可能即将进入一个新州。</p>
<h2>特斯拉保险准备进入新市场</h2>
<p>随着美国道路上特斯拉汽车数量的增加，该公司可能准备扩大其保险部门的运营州数。</p>
<p>根据 Teslarati 的报道，特斯拉保险目前在 12 个州提供。以下是特斯拉车主可以在特斯拉保险下为其车辆投保的州：</p>
<ul>
<li>亚利桑那州</li>
<li>加利福尼亚州</li>
<li>科罗拉多州</li>
<li>伊利诺伊州</li>
<li>马里兰州</li>
<li>明尼苏达州</li>
<li>内华达州</li>
<li>俄亥俄州</li>
<li>俄勒冈州</li>
<li>德克萨斯州</li>
<li>犹他州</li>
<li>弗吉尼亚州</li>
</ul>
<p>根据一份新报告，佛罗里达州即将加入该名单。特斯拉已申请在该州推出保险，报道来自保险网站 CoverageR。</p>
<p>特斯拉于 2019 年首次推出其保险业务，成为第一家直接为客户提供保险的公司，消除了对第三方保险公司的需求。</p>
<p>这家电动车巨头根据驾驶者的安全评分来制定个别定价，评分基于急刹车、激烈转弯、超速、不系安全带、深夜驾驶和不安全跟车等因素。</p>
<p>在佛罗里达州的推出将是特斯拉自 2022 年以来的首次，当时它在犹他州和马里兰州推出。那时，特斯拉也申请在佛罗里达州推出，但并未继续进行。</p>
<p>根据报告，特斯拉还计划在乔治亚州和新泽西州推出。该电动车公司还在欧洲开设了办公室，计划在那里扩展其保险业务，但迄今为止尚未实现。</p>
<p><strong>另请阅读：特斯拉第二季度财报亮点：收入和盈利未达预期；新车型仍定于 2025-2026 年发布</strong></p>
<h2>计划和成本的变化</h2>
<p>虽然特斯拉在多个州运营，但它可能很快会在其运营的最大州之一看到变化。</p>
<p>Kelley Blue Book 的一份报告称，加利福尼亚州可能很快会撤销特斯拉的保险许可证，原因是最近未能处理保险索赔。</p>
<p>加利福尼亚州是美国人口最多的州，也是注册特斯拉汽车数量最多的州。</p>
<p>加利福尼亚州保险局指控特斯拉未能妥善处理索赔，并多次向该公司发出警告。</p>
<p>特斯拉必须在 10 月 18 日之前证明其保险索赔流程有所改善，否则将面临潜在罚款或许可证暂停。</p>
<p>对于许多特斯拉车主来说，使用特斯拉保险通常比其他选择更具成本效益，并且可以加快索赔处理，因为特斯拉在车辆中使用其独特的零部件。</p>
<p>今年早些时候，一份报告指出，由于车辆破坏和对汽车维修及更换成本将变得更昂贵的担忧，特斯拉保险费率显著上升。</p>
<p>报告称，特斯拉车型是价格上涨幅度最大的车辆之一。</p>
<p>5 月份的一份报告显示，特斯拉在其保险部门亏损。标准普尔的数据表明，特斯拉保险在 2023 年的赔付比率为 92.5%，这意味着该公司为每收到 1 美元的保费支付了 0.925 美元的索赔。</p>
<p>该数字不包括特斯拉的间接成本，如员工薪水、租金和其他费用。</p>
<p>综合来看，特斯拉保险可能正在亏损，报告指出。</p>
<p>曾被视为特斯拉潜在业务领域的保险业务，可能面临来自其最大州的更大压力，并看到不断上升的成本，这可能使该业务不再值得投入。</p>
<ul>
<li><strong>以下是特斯拉自 2019 年以来每季度交付和生产的车辆数量</strong></li>
</ul>
<p><em>照片：特斯拉 FSD 图像来自 Shutterstock</em></p>

特斯拉

2 倍做空特斯拉 ETF - GraniteShares

2 倍做多特斯拉 ETF - Direxion

2 倍做空特斯拉 ETF - Tradr

XI二南特斯-U

南方两倍做多特斯拉

南方两倍做空特斯拉

2 倍做多 TSLA ETF - GraniteShares

<p>特斯拉保险即将扩展到佛罗里达州，这是三年来的第一个新州。目前在 12 个州提供服务，特斯拉旨在扩大其保险部门，该部门使用安全评分来确定定价。然而，该公司在加利福尼亚州面临挑战，由于索赔处理问题，面临失去保险许可证的风险。尽管对特斯拉车主来说具有成本效益，但保险部门据报道正在亏损，2023 年的赔付率为 92.5%，引发了对其可行性的担忧</p>

<p><strong>Tesla Inc.</strong>(NASDAQ:TSLA) is a leader in electric vehicle sales in the United States and has also branched out into new areas of growth that could disrupt additional sectors. One of those areas is insurance, with Tesla offering insurance policies for its vehicle owners in certain states.</p>
<div class="lb-trans"><p><strong>特斯拉公司</strong>（NASDAQ:TSLA）是美国电动车销售的领导者，并且已经扩展到可能颠覆其他行业的新增长领域。其中一个领域是保险，特斯拉在某些州为其车主提供保险政策。</p>
</div><p>For the first time in three years, Tesla Insurance could be coming to a new state.</p>
<div class="lb-trans"><p>时隔三年，特斯拉保险可能即将进入一个新州。</p>
</div><h2>Tesla Insurance Readies For New Market</h2>
<div class="lb-trans"><h2>特斯拉保险准备进入新市场</h2>
</div><p>With an increasing number of Tesla vehicles on the roads across America, the company may be poised to expand the number of states its insurance division operates in.</p>
<div class="lb-trans"><p>随着美国道路上特斯拉汽车数量的增加，该公司可能准备扩大其保险部门的运营州数。</p>
</div><p>Tesla Insurance is currently offered in 12 states, according to Teslarati. Here are the states where Tesla owners can insure their vehicles with Tesla Insurance:</p>
<div class="lb-trans"><p>根据 Teslarati 的报道，特斯拉保险目前在 12 个州提供。以下是特斯拉车主可以在特斯拉保险下为其车辆投保的州：</p>
</div><ul>
<li>Arizona</li>
<li>California</li>
<li>Colorado</li>
<li>Illinois</li>
<li>Maryland</li>
<li>Minnesota</li>
<li>Nevada</li>
<li>Ohio</li>
<li>Oregon</li>
<li>Texas</li>
<li>Utah</li>
<li>Virginia</li>
</ul>
<div class="lb-trans"><ul>
<li>亚利桑那州</li>
<li>加利福尼亚州</li>
<li>科罗拉多州</li>
<li>伊利诺伊州</li>
<li>马里兰州</li>
<li>明尼苏达州</li>
<li>内华达州</li>
<li>俄亥俄州</li>
<li>俄勒冈州</li>
<li>德克萨斯州</li>
<li>犹他州</li>
<li>弗吉尼亚州</li>
</ul>
</div><p>Soon to join that list is Florida, according to a new report. Tesla has filed to launch insurance in the state, according to a report from CoverageR, an insurance website.</p>
<div class="lb-trans"><p>根据一份新报告，佛罗里达州即将加入该名单。特斯拉已申请在该州推出保险，报道来自保险网站 CoverageR。</p>
</div><p>Tesla first launched its insurance business in 2019, becoming the first company to provide coverage directly to its own customers, eliminating the need for third-party insurance companies.</p>
<div class="lb-trans"><p>特斯拉于 2019 年首次推出其保险业务，成为第一家直接为客户提供保险的公司，消除了对第三方保险公司的需求。</p>
</div><p>The EV giant uses a Safety Score for drivers based on factors like hard braking, aggressive turning, excessive speeding, unbuckled driving, late-night driving and unsafe following to come up with pricing rates on an individual basis.</p>
<div class="lb-trans"><p>这家电动车巨头根据驾驶者的安全评分来制定个别定价，评分基于急刹车、激烈转弯、超速、不系安全带、深夜驾驶和不安全跟车等因素。</p>
</div><p>The launch in Florida would be Tesla's first since 2022, when it launched in Utah and Maryland. At that time, Tesla also filed to launch in Florida, but it did not proceed with the launch.</p>
<div class="lb-trans"><p>在佛罗里达州的推出将是特斯拉自 2022 年以来的首次，当时它在犹他州和马里兰州推出。那时，特斯拉也申请在佛罗里达州推出，但并未继续进行。</p>
</div><p>Tesla also has plans to launch in Georgia and New Jersey, according to the report. The EV company also opened an office in Europe with plans to expand its insurance operations there, but nothing has materialized to date.</p>
<div class="lb-trans"><p>根据报告，特斯拉还计划在乔治亚州和新泽西州推出。该电动车公司还在欧洲开设了办公室，计划在那里扩展其保险业务，但迄今为止尚未实现。</p>
</div><p><strong>Read Also: Tesla Q2 Earnings Highlights: Revenue And Earnings Fall Short; New Models Still Set For 2025–2026</strong></p>
<div class="lb-trans"><p><strong>另请阅读：特斯拉第二季度财报亮点：收入和盈利未达预期；新车型仍定于 2025-2026 年发布</strong></p>
</div><h2>Changing Plans and Costs</h2>
<div class="lb-trans"><h2>计划和成本的变化</h2>
</div><p>While Tesla operates in multiple states, it may soon see changes in one of the largest states in which it operates.</p>
<div class="lb-trans"><p>虽然特斯拉在多个州运营，但它可能很快会在其运营的最大州之一看到变化。</p>
</div><p>A report from Kelley Blue Book says the state of California could take away Tesla's license for insurance soon, based on recent failures to process insurance claims.</p>
<div class="lb-trans"><p>Kelley Blue Book 的一份报告称，加利福尼亚州可能很快会撤销特斯拉的保险许可证，原因是最近未能处理保险索赔。</p>
</div><p>California is the most populous state and also the state with the highest number of Tesla vehicles registered in America.</p>
<div class="lb-trans"><p>加利福尼亚州是美国人口最多的州，也是注册特斯拉汽车数量最多的州。</p>
</div><p>The California Department of Insurance alleges that Tesla did not handle claims properly and has issued warnings to the company multiple times.</p>
<div class="lb-trans"><p>加利福尼亚州保险局指控特斯拉未能妥善处理索赔，并多次向该公司发出警告。</p>
</div><p>Tesla has until Oct. 18 to prove that it has improved on its insurance claims process or face potential fines or suspension of its license.</p>
<div class="lb-trans"><p>特斯拉必须在 10 月 18 日之前证明其保险索赔流程有所改善，否则将面临潜在罚款或许可证暂停。</p>
</div><p>For many Tesla owners, using Tesla Insurance is often more cost-effective than alternatives and can also expedite claims, as Tesla utilizes its own unique parts in vehicles.</p>
<div class="lb-trans"><p>对于许多特斯拉车主来说，使用特斯拉保险通常比其他选择更具成本效益，并且可以加快索赔处理，因为特斯拉在车辆中使用其独特的零部件。</p>
</div><p>Earlier this year, a report indicated that Tesla Insurance rates had increased significantly due to vandalism of vehicles and concerns that auto repair and replacement costs would become more expensive.</p>
<div class="lb-trans"><p>今年早些时候，一份报告指出，由于车辆破坏和对汽车维修及更换成本将变得更昂贵的担忧，特斯拉保险费率显著上升。</p>
</div><p>The report said Tesla models were among the vehicles seeing the biggest increases in prices.</p>
<div class="lb-trans"><p>报告称，特斯拉车型是价格上涨幅度最大的车辆之一。</p>
</div><p>A report in May suggested Tesla is losing money on its insurance division. Data from the S&amp;P stated that Tesla Insurance had a loss ratio of 92.5% in 2023, meaning the company paid out $0.925 in claims for every $1 it received in premiums from customers.</p>
<div class="lb-trans"><p>5 月份的一份报告显示，特斯拉在其保险部门亏损。标准普尔的数据表明，特斯拉保险在 2023 年的赔付比率为 92.5%，这意味着该公司为每收到 1 美元的保费支付了 0.925 美元的索赔。</p>
</div><p>That figure did not include overhead costs for Tesla, items like employee salaries, rent and other costs.</p>
<div class="lb-trans"><p>该数字不包括特斯拉的间接成本，如员工薪水、租金和其他费用。</p>
</div><p>When put together, Tesla Insurance is likely losing money, according to the report.</p>
<div class="lb-trans"><p>综合来看，特斯拉保险可能正在亏损，报告指出。</p>
</div><p>Once viewed as a potential business segment for Tesla, the company could face more pressure from its largest state and see rising costs that could make the venture not worth the effort.</p>
<div class="lb-trans"><p>曾被视为特斯拉潜在业务领域的保险业务，可能面临来自其最大州的更大压力，并看到不断上升的成本，这可能使该业务不再值得投入。</p>
</div><ul>
<li><strong>Here’s How Many Vehicles Tesla Has Delivered, Produced In Each Quarter Since 2019</strong></li>
</ul>
<div class="lb-trans"><ul>
<li><strong>以下是特斯拉自 2019 年以来每季度交付和生产的车辆数量</strong></li>
</ul>
</div><p><em>Photo: Tesla FSD Image Via Shutterstock</em></p>
<div class="lb-trans"><p><em>照片：特斯拉 FSD 图像来自 Shutterstock</em></p>
</div>

Tesla Insurance Heads To First New State In Three Years: Here's Where Users Will Soon Have Access

- 特斯拉在美国电动车销售中处于领先地位，计划扩展保险业务。  
- 目前特斯拉保险在 12 个州运营，佛罗里达州即将加入。  
- 加州可能因索赔处理不当撤销特斯拉的保险执照。  

特斯拉保险三年来首次进入新州：用户将很快可以在哪些地方使用