Richer insurees have more assets to go after if they are involved in a the 2-sigma events (eg killed someone while drunk driving; insurance can come after a wealthy person's assets).
It wouldn't be shocking that tesla drivers are expected to make fewer claims, based on the halo bias towards wealthy people.
But if you are the insurance of the Tesla driver, it's the other party (through insurance or directly) that will come after your driver, not you.
You will just say to your driver "per our contract, I cover up to $X, and the rest, you will have to deal on your own". You're not responsible for getting that money out of him, if I'm not mistaken.
It wouldn't be shocking that tesla drivers are expected to make fewer claims, based on the halo bias towards wealthy people.