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If you want FSD check out Comma3
It's copilot not FSD but it's getting better every year.
I love this idea but I'm certain if an insurer ever found out I was using it I would be completely fucked financially.
At fault accidents are at fault.
Doesn't matter if you trusted openpilot, were texting and driving, or fell asleep behind the wheel.
I don't see how insurance would change at all.
If a software is able to work the controls in any capacity you would have to prove it was not responsible for an accident. Accidents which are other people's fault will have to be fought in court if they discover some open source software is able to control the other party's car in any capacity whatsoever. "They were using an untested software and it veered into my right-of-way." IDK. Call your insurer and LMK what they say.
Don't tell them?
This technology takes less than 30 min to install and looks like a dash cam.
Up to you at the end of the day. I'm planning on getting a Comma3 when i get my next car. My current one isn't supported.