Unlike the people or other vehicles it may hit, who will make claims against the Cybertruck owner. Third party insurance is rather important. 
Hmm - it would need an underwriter with capital (might get the business placed at Lloyd’s of London) to enable Tesla to act as a broker, unless Skum is prepared to put a lot of Tesla capital at risk.
Not sure how insurance is regulated state-by-state in the US, but insurers move in and out of sectors from time to time to balance the exposure on their overall book, fromtime to time. None have underwriters expert in all areas and with sufficient pooling to take risks. Here in UK we’ve seen one or two large insurers exit certain segments (though sometimes they do do it by simply offering premiums nobody can afford).
