Data Source不准确，另外，写这个报道的人Steve Banker主要客户都是石油公司，中立性可疑。再次，这个结论和NHTSA上的统计不符合 LendingTree's data comes from QuoteWizard, an insurance quote referral service. They ask questions about the cars you want to insure, your address, age, the number of accidents, and DUIs you’ve had. Then, they send this data to insurance companies and provide you with a rough estimate of the prices you’ll likely receive from each company. They don’t collect your driver’s license number or other information necessary to actually examine your driving history, which is why they ask these questions. The issue with collecting data this way is that they have no way of knowing which car was involved in your accidents. This matters because you might inform them about an accident in the last 3-5 years, but not specify the car you were driving. Consequently, they must associate this information with every car for which you request a quote. However, most people seeking an insurance quote probably want to insure the cars they own currently. This explains why the brands with the fewest accidents are those no longer in production.
hertz租车公司本来要把油车换成特斯拉，可是现在完全放弃，因为总的修车成本比油车多一倍，而且特斯拉损害坏性的事故比油车高！这个可是现实比计划残酷啊。 Tesla has been slashing prices to spark sales as it finds itself wrestling with softening demand and more competition. And repair costs are about double what the company spends on gas car fixes, Hertz CEO Stephen Scherr told Bloomberg. Hertz said it tried to mitigate “higher incidents of damage among EV rideshare drivers” by siphoning some of its fleet into its leisure segment. But that didn’t work out as well as the company hoped.
统计有问题，细节出真相。该研究用的是 QuoteWizard 2023年保险报价数据。想想看谁使用 QuoteWizard 来获取保险费率？ 许多人寻求更便宜的保险费率，很可能是那些经常发生事故的人，却没有在这里报，统计他们的事故率： Researchers analyzed tens of millions of QuoteWizard by LendingTree insurance quotes from Nov. 14, 2022, through Nov. 14, 2023. This main category included accidents, DUIs, speeding and citations. We examined the 30 brands with the highest number of quotes. We looked at the four categories combined and individually. Carelessness or recklessness Improper lane usage, improper passing and improper turning No insurance or no license to operate a vehicle or misrepresenting a license Failure to yield to a car or pedestrian Safety violations, following another vehicle closely and passing a bus Not signaling Hit-and-runs involving a bicycle or pedestrian Having defective equipment or using the wrong road Comprehensive or other citations 比如，另一个统计，高事故率的车子是没有特斯拉的：
特斯拉曾发布过一份“Autopilot 安全报告”，报告追踪了其车辆在 Autopilot 使用和未使用情况下的行驶里程和事故发生频率，并将其与行业平均水平进行比较。特斯拉利用这份报告声称，其 Autopilot 技术显著提升了驾驶安全性，即使不使用 Autopilot，特斯拉车辆的平均事故率也远低于美国平均水平。
特斯拉却于去年停止发布该安全报告，此后也鲜有关于 Autopilot 和完全自动驾驶技术的相关数据披露。
现在，美国贷款机构 LendingTree 的一项基于保险理赔数据的最新研究表明，特斯拉司机的事故率远高于其他品牌。LendingTree 分析了数百万份保险理赔数据，得出了每 1000 名驾驶员事故率最高的品牌排名，特斯拉高居榜首。
那么，究竟谁的数据才是正确的？
特斯拉可能会辩称，他们使用的是基于事故间隔里程的数据，但这只能在特斯拉驾驶员平均驾驶里程高于行业平均水平时才能站得住脚，而事实并非如此。Electrek 称他们找到的数据显示，特斯拉驾驶员的平均年行驶里程约为 10，000 英里，而美国平均水平约为 12，000 英里。
值得注意的是，特斯拉似乎只统计了“触发安全气囊或其他约束装置”的事故，而 LendingTree 则涵盖了所有保险理赔案例，包括没有触发安全气囊的轻微剐蹭，这或许可以解释两份研究结果的巨大差异。
但是，可以确定的说， 离特斯拉司机远点， 总是没错的
种族主义者胡说八道就罢了，怎么华人还给自己泼脏水，你从哪知道华人开车事故多的？
哈哈，你明显不知道人家说的啥意思。光知道瞎喷。
所以你的意思，是想说亚裔光出事故，不死人？
Sigh 你阅读能力太差。 自己研究去吧。 我敢打赌我𢤦人家原文的意思。
像你这种言之无物的主，就别出来装大尾巴鹰了。
哈哈， 你智商太低， 算了。 懒得跟你争。 待会儿说不定那个人出来怼你。
LendingTree's data comes from QuoteWizard, an insurance quote referral service. They ask questions about the cars you want to insure, your address, age, the number of accidents, and DUIs you’ve had. Then, they send this data to insurance companies and provide you with a rough estimate of the prices you’ll likely receive from each company. They don’t collect your driver’s license number or other information necessary to actually examine your driving history, which is why they ask these questions. The issue with collecting data this way is that they have no way of knowing which car was involved in your accidents. This matters because you might inform them about an accident in the last 3-5 years, but not specify the car you were driving. Consequently, they must associate this information with every car for which you request a quote. However, most people seeking an insurance quote probably want to insure the cars they own currently. This explains why the brands with the fewest accidents are those no longer in production.
Tesla has been slashing prices to spark sales as it finds itself wrestling with softening demand and more competition. And repair costs are about double what the company spends on gas car fixes, Hertz CEO Stephen Scherr told Bloomberg. Hertz said it tried to mitigate “higher incidents of damage among EV rideshare drivers” by siphoning some of its fleet into its leisure segment. But that didn’t work out as well as the company hoped.
请按年龄段来分别计算！
不同车的购买人群很不同，违反了统计学的随机前提。
比如，另一个统计，高事故率的车子是没有特斯拉的：
学金融的都知道，从 CDS spread 上倒推出的公司破产概率远比任何统计数据计算出的破产概率要准确很多。有很多例子证明，一个人的钞票利益和他给出的统计结果准确性成正相关时，那他的统计结果就更可靠。相关系数越大，可靠性越高。