I am submitting this safety complaint as the vehicle owner of a Tesla that was involved in a collision on November 15, 2025. Although I am the policyholder and registered owner, I was not the driver at the time of the incident. My husband, [XXX] , was operating the vehicle, and Tesla Autopilot/FSD was engaged when the loss of control occurred. At the time of the incident, it was raining heavily, though visibility and road conditions were still within what Autopilot typically handles during normal operation. While driving under these conditions with Autopilot activated, the vehicle suddenly exhibited unexpected and erratic steering behavior, causing it to lose stability and veer out of control. The deviation happened rapidly and without sufficient warning or opportunity for my husband to intervene manually. The resulting collision appeared to be the result of an Autopilot system malfunction, not driver error. Key concerns include: Autopilotâs failure to maintain proper lane position Sudden abnormal steering input originating from the system Possible sensor, perception, or weather-related detection failure Lack of adequate warning or disengagement alert prior to the loss of control Tesla Insurance later determined the driver to be âprincipally at fault,â but this conclusion did not consider the possibility of Autopilot system failure under heavy rain conditions and does not reflect the sequence of events as experienced by the driver. As the vehicle owner, I am req