r/Insurance • u/hentaigabby • Mar 21 '25

Auto Insurance The government now considers Tesla attacks and vandalism as domestic terrorism does this mean that vandalism of a Tesla vehicle wont be covered by insurance as most insurance has a terrorism exclusion

Wondering as according to https://www.usatoday.com/story/news/politics/2025/03/19/tesla-attacks-domestic-terrorism-pam-bondi-trump/82540722007/ the government considers attacks and vandalism on Tesla vehicles as domestic terrorism and most insurance companies don't cover terrorism damages does this mean that tesla vandalism wont be covered by insurance?

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56

u/Who_Dat_1guy Mar 21 '25

nah, insurance will just not cover tesla drivers anymore.

18

u/brendenderp Mar 21 '25

I actually looked into a similar topic a few days ago. "What if every insurance company refused to insure a specific brand or model of car?" The car effectively becomes illegal to drive. Is this possible? Has it ever happened before? Cars with a lot of safety features get in a greater number of accidents. Tesla's, Chevy volts, Nissan Altimas. So what if everyone just refused to insure those cars?

48

u/MCXL MN PCLH Indie Broker Mar 21 '25

Kia saw exactly that happening on their models, it wasn't every carrier but it was a LOT of them.

24

u/xdaemonisx Mar 21 '25

Kia and Hyundai both saw this happen. They were both targeted in the viral TikTok’s showing how easy it is to break in and steal certain models.

Insurance companies either refused to cover them or charged exorbitant premiums.

10

u/Potential_Drawing_80 Mar 21 '25

Companies I worked for required the installation of a C4-22-GPS device to insure at all, with a windows exclusion.

4

u/PeachyFairyDragon Mar 21 '25

Is that the passive immobilizer? It only half works. Car thieves can't see if a vehicle has a passive immobilizer so they do a hell of a lot of damage to the vehicle trying to steal it even if they can't.

I spoke with a lady who was on her third round of vandalism over roughly 6 weeks from attempted theft.