Do away with insurance and sue the builder sounds good until you realize the builder will build "Insurance cost" into the price of the car. And it will likely be at a rate assumed to be a 16 year old male drive.
After discovering similar vulnerabilities in the Model S last year, the Chinese security research firm Tencent Keen Security Lab have turned their attention to the Tesla Model X, and have been able to exploit these security holes to remotely do things to the Model X like open its doors, blink the lights, control in-car displays, and, most worryingly, actuate the brakes while the car is in motion.
What’s especially notable is that after their demonstration of the Model S hacks in 2016, Tesla introduced a system of firmware code signing in an attempt to prevent future similar hacks; as Tencent Keen Labs just proved, those efforts just weren’t good enough.
Sure, it was harder, but the research team broke through, and produced this video showing what they accomplished: