I wonder if your premium is higher if you've bought Ludicrous Mode, because there's a higher possibility of you being one of those ... aggressive drivers.
I certainly hope so. Although using geofencing around private roads/tracks to determine where the aggressive maneuvers are being used would be most fair.
Like if someone's driving metrics are totally smooth and predictable on public roads, but then they go nuts on a race track, a lower premium makes sense.
Now that I type that out, how does car insurance work while driving on a private race track?
Maybe just owning a Cybertruck is evidence enough that you're an aggressive driver. It's heavily marketed as being so strong that in case of any collision, it "will win". Someone who dropped six figures on the Cybertruck is going to want to drive it to the limit suggested by all the advertising.
