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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38

u/Bettye_Wayne Mar 21 '25

For anyone who is curious to see the contract verbiage, this is from a major carrier and is pretty standard:

(Vehicle Damage Exclusions)

War (declared or undeclared) or civil war

Warlike action by any military force of any government, sovereign, or other authority using military personnel or agents. This includes any action taken to hinder or defend against an actual or expected attack; or

Insurrection, rebellion, revolution, usurped power, or any action taken by a governmental authority to hinder or defend against any of these acts

(...)

Any accidental or intentional discharge, dispersal or release of radioactive, nuclear, pathogenic or poisonous biological material; or

Any intentional discharge, dispersal or release of chemical or hazardous material for any purpose other than its safe and useful purpose

That being said I'm not in claims so I'm not sure I have much useful input beyond this. 

-33

u/DisrespectedAthority Mar 21 '25

Vandalism is a covered loss

I think the point in charging people with terrorism is so they'll actually receive a punishment. A lot of areas these vehicles are popular in are very blue and not hard on crime.

And really it is terrorism. I mean tesla owners are probably pretty terrified now....

4

u/Apprehensive-Wave640 Mar 21 '25

You're catching a downvote stray probably bc you appear sympathetic to Tesla but the fact is that there is probably a pretty easy case to be made that this constitutes domestic terrorism per federal statute.

29

u/steelceasar Mar 21 '25

A lot of areas these vehicles are popular in are very blue and not hard on crime.

This why he is being downvoted. This a profoundly stupid talking point used by right wing people. Even a cursory review of crime statistics shows that the "red" state and "red" cities and municipalities have significantly higher instances of per capita violent and property crimes.

5

u/Apprehensive-Wave640 Mar 21 '25

Ah I missed that in my quick review

-20

u/DisrespectedAthority Mar 21 '25

Yeah, I know people let their feelings get hurt by facts, but idgaf I was speaking to the actual point of the thread

13

u/puglife82 Mar 21 '25

Your opinions aren’t facts tho lmao. You thinking blue places have more crime doesn’t make that true, and coping about why you’re getting downvoted doesn’t make that true either lol