It may not really be all that different between Tesla and Mercedes. The conditions that Mercedes is releasing this under sound like they will give them plenty of room to say "not covered" and need lawyers involved. Similarly, if you're using Tesla's summon feature and it drives into something, you can opt to get lawyers involved. The main difference is what these companies are telling you upfront; Mercedes seems to be saying something to the effect of "don't worry," and Tesla is telling you that you must pay attention.