Tesla's insurance arm is taking a beating by paying out more than it earns from premiums, according to data from S&P Global. This is significantly higher than the national average loss ratios calculated for other insurance companies. It could mean that not even Tesla can repair its own cars affordably after an accident. In 2019, Tesla set out to lower insurance rates for owners of its electric cars. The goal was simple, at least in theory: fix the broken cost of car insurance. Instead, Tesla may...