California (*to use an example where Tesla has significant share) is not a no-fault state, therefore if the other driver does a wham-bam, Tesla Insurance can recover the cost of repairing the Tesla thru subrogation. Given that Teslas have video of the incident, “fault” or “not fault” should be pretty simple to prove.
Anyway, the article makes no mention of whether the damage claims are as a result of FSD, not-FSD, or completely unattended accidents - and I would hazard a guess that at least part of it is because they are so bloody expansive to repair (for a variety of reasons.)
I hope Tesla’s AI driving works better than its AI insurance premium setting.