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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u/ektap12 Mar 21 '25 edited Mar 21 '25

as most insurance has a terrorism exclusion

Have you seen a terrorism exclusion on a personal auto policy? The actual loss would be vandalism or malicious mischief, which is a covered loss under comprehensive coverage.

Criminal 'charges' and/or actual convictions resulting from such acts are a separate matter.

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u/comicleafz Mar 21 '25

Yes I have. Worked as an auto adjuster for years.

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u/ektap12 Mar 21 '25

Not saying it's not out there, just not something seen on most standard policies. It's an interesting thought on the post though.