Nah. Insurance is based on the numbers, and Tesla is a shitty company to have financial liability to fix. There’s no parts, few shops, and lots of stuff to get stuck with.
A friend had a rental for 4 months when the panoramic sunroof cracked on his Tesla.
The vandalism isn’t computed in yet, and will immediately resulted in dropped coverage. If the Feds label it as terrorism, insurance generally excludes riot and terrorism from coverage anyway.
TRIA insurance against terrorism is required by law to be offered as a rider. It's actually shockingly affordable, because the law shifts the ultimate financial burden for any events between $200 million to $100 billion onto the federal government. So insurers have a reasonable cap on their expenses and don't need to rely on traditional re-insurers for black swan events.
Most people decline this rider anyways, no matter how cheap it is - and therefore most people are not covered for terrorism related damages.
Is there a downside to having a terrorism rider, other than higher premiums?
For example, if your insurance company would otherwise have to declare a claim as due to non-terrorism, and just pay it (because they'd probably lose in court if they didn't pay), but because you had the terrorism rider, they decide to declare it as due to terrorism, and then you get a less-desirable experience?
(For imagined example of less-desirable, maybe you have to wait longer to get paid while the company interacts with gov't, or the reimbursement is calculated or capped differently, or some consumer protection you'd normally have doesn't apply.)
> insurance generally excludes riot and terrorism from coverage anyway
If that's true, they'd have even more incentive to declare a claim as due to terrorism if you didn't have a rider. They could avoid paying it altogether.
My question was about cases in which they wouldn't/couldn't deny claim due to terrorism on weak grounds, since they'd be taken to court for denying the claim, since the grounds are weak.
But if you had a terrorism rider in those cases, then maybe it's worse for you, because then they wouldn't be denying the claim initially, but maybe instead you're stuck in a different process, with various downsides, and maybe less able to contest the assertion?
I tried to clarify when I posted the original question, with an example scanario, in which, without the rider, you'd simply get paid, because the insurance company doesn't want the lawsuit.
The question for that example scenario then is: would having a rider give the insurance company a viable option that is less-desirable to you.
(Such as because it delays you getting paid, you get paid less, it gets into a buck-passing Kafkaesque process between government and insurance company, there are less protections, etc.)
The problem with Tesla is they used financial engineering to get where they are today, and that cycle eventually catches up to you.
Enshittification is a real thing, and happens because benefits were front-loaded through ponzi (in this case backed by money printing and the public market retirements that must rebalance based on S&P or other indexes).
There are also higher risks with 'licensing' a Tesla. Both to society as a whole, and to the owners themselves. Licensing isn't owning, and you get what you pay for.
Few of the people who choose to get a Tesla actually think about what they are doing aside from their own ego, which is actively supporting un-American ideals.
How-so?
A Tesla is not a car, it is a sensor/node based computer that is networked and connected that performs the functions of a car.
A networked computer with many sensors is part of a mass distributed network called "Remote Sensing Networks" or RSNs.
The short-term profit on money isn't in building the car. It is in selling the data that has been collected and aggregated to the highest bidder, while getting you to pay for your own enslavement to such willfully provided subscription data.
Every time you see a Tesla while driving, whether it is on or off, the Tesla logs you and your passengers face, biometrics, behavior, location, history, travel, and other hints that may be visible including EM following a master data-management strategy that is built on big-tech primitives at their data center. This includes conversations or more intimate settings which have already leaked to the general internet (in some cases).
It is illegal for anyone to film, and distribute film of others, and record conversation without their explicit and specific consent, let alone such other aspects of personal data, where it contains everywhere you go, what you do, even in your own backyard or within your garage (home), or your neighbors (where consent is not given). Yet this is what Tesla is doing through complacent consent, and coercion (corruption by dependency in sunk cost/function).
A Tesla is not the only RSN, your cell phone does this, your media players (Roku) and Smart TVs do this. Your laptops, modern OS (Windows), and too many other devices to count do this. When profit is guaranteed, monopolists seek coercive control, and information is power.
If you have these, you have consented to have a digital soldier mediating in every aspect of your life whether you know it or not. Even though they didn't tell you what they were doing. They were not required to specifically say what and how they used that data, and they defined it broadly and ambiguously. Dis-aggregation of Alarm, and Separation of Concerns.
That is how the banality of evil (complacency) becomes the radical evil (Nazi's).
What does that open the door to or allow?
Abuse, Coercion, Arbitrary Discrimination, Loss of some things that become everything. These are the same abuses that inspired the constitution's third amendment, and what led us to join the War for self and others during WW2.
We are repeating what lead up to the American Revolution, and because so many people have wilfully blinded themselves they can't see the consequences of their actions while they actively participate towards definite systems failures, mindlessly.
"No Soldier shall, in time of peace be quartered in any house, without the consent of the Owner, nor in time of war, but in a manner to be prescribed by law."
Implicit in this is that there remains a rule of law, which has mostly failed.
I really pity the people who have such little awareness that they go and buy a Tesla. It is like waving the communist/fascist flag which is statism, for all to see... we're American. "Yes, but what kind of American".
This has happened before, and it is too late to stop it from happening again.
I'm sorry, but either it's factually true (or mostly there, to be chartiable) or it's just good vibes and made up, and the latter doesn't lead to curious discussion, an important ethos for this site. If you make a claim then understandably people will try to evaluate the claim to see if it's true, and to also decide whether the conversation can be held in good faith or not.
A friend had a rental for 4 months when the panoramic sunroof cracked on his Tesla.
The vandalism isn’t computed in yet, and will immediately resulted in dropped coverage. If the Feds label it as terrorism, insurance generally excludes riot and terrorism from coverage anyway.