Tesla Insurance Rates Set To Spike As Cars Become Vandalism Targets

2 years ago by mesamunefire to c/news

mesamunefire 149 points 2 years ago

I used to work in insurance. This might actually be the biggest blow to Testla, even more than stock prices. If people keep vandalizing the vehicles, eventually the insurance has to come due. And repair costs are not cheap, its basically only dealers and a limited number of repair places that partner.

And insurance companies always make sure they get their money.

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futatorius 60 points 2 years ago

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mesamunefire 67 points 2 years ago

Paint probably.

Also I would never support anything illegal. As the law requires.

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SpaceNoodle 24 points 2 years ago

Like, painting a Cybertruck?

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Spacehooks 32 points 2 years ago

Its not vandalism, its just courtesy. The poor machine didn't come with any.

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akai_android 12 points 2 years ago

some of the stickers you can easily find end up ruining the finish.

the more you know

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Lemjukes 11 points 2 years ago

I sure love bologna

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despoticruin 23 points 2 years ago

Well, a 1:1 mixture of chlorine bleach and vinegar should damn near instantly and permanently corrode the steel. Don't breathe the fumes, but I have toyed with the idea of a squirt gun filled with instarust.

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Fermion 29 points 2 years ago

"Don't breathe the fumes" seems like a bit of an understatement for a reaction that produces chlorine gas.

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Olgratin_Magmatoe 9 points 2 years ago

That, and it doesn't sound great to put in a squirt gun, which is almost certainly going to leak to some degree

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despoticruin 1 point 2 years ago

If you are using household concentrations you won't generate enough chlorine gas to be harmful in a ventilated area, like outside. If you put it in a bag and huff it you are going to have a bad time, but enough to cause damage can be tossed into a mason jar, shaken, and thrown pretty safely.

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GaMEChld 19 points 2 years ago

So dual wielded super soakers, one bleach filled, one vinegar filled!

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ShinkanTrain 12 points 2 years ago

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gibmiser 3 points 2 years ago

Sounds like fun

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despoticruin 1 point 2 years ago

Excellent idea

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AreaKode 12 points 2 years ago

Hell, just bleach alone will eat through stainless steel!

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despoticruin 17 points 2 years ago

The acid makes it rust in seconds instead of days though, instantly visible and quite permanent damage.

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Bad_Engineering 7 points 2 years ago

DO NOT MIX BLEACH AND CHLORINE, unless you want die or seriously injure yourself. When bleach is combined with acetic acid it produces chlorine gas, a literal chemical weapon/warcrime. If you want to corrode stainless steel use regular bleach, it does the job just fine.

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YaksDC 22 points 2 years ago

Overnight, bologna can do some serious damage to paint, not sure what it might do to untreated aluminum.

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cm0002 13 points 2 years ago

Like others said, paint is expensive AF, but also the classic "Slash 3 tires" is expensive

Extra expensive because Tesla's (Well, EVs in general I'm pretty sure) need special and more expensive tires due to the weight

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GaMEChld 6 points 2 years ago

Are tires usually covered by insurance?

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cm0002 16 points 2 years ago

Only when all 4 are damaged, for reasons lol

Hence the "slash 3" rule lmao

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slaneesh_is_right 1 point 2 years ago

My ex girlfriend had everything insured on her car. Even tires. Kinda crazy if you ask me.

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fyzzlefry 2 points 2 years ago

My leaf uses normal tires.

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RowRowRowYourBot 1 point 2 years ago

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cm0002 6 points 2 years ago

It's general guidance for any vehicle, but it's not a requirement

It's just for proper wear leveling and balance for a smoother ride

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noxypaws 5 points 2 years ago

Nope, that's only for all wheel drive cars with combustion engines

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AA5B -3 points 2 years ago

Don’t lose sight that you are committing a crime, you are destroying an innocent persons property, and you really have no excuses if caught by either the owner or the police

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grue 10 points 2 years ago

Nobody who's bought a Tesla in the past few years is "innocent."

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Sir_Kevin 5 points 2 years ago

Surely some are un-soId.

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Serinus 8 points 2 years ago

I wouldn't go after individual Tesla owners. It wasn't always like this. They adopted the earliest and cheapest (in the US) EV. I won't buy one now, but I would have three years ago.

I understand the dealership thing. Are most of them directly corporate?

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pohart 3 points 2 years ago

I had thought they were all corporate. Does tesla have non Tesla owned dealerships?

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IphtashuFitz 4 points 2 years ago

They don’t do third party dealerships. All showrooms & service centers are owned by them.

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slaneesh_is_right 7 points 2 years ago

Rip off a sidepanel. Not even the smartest people on space x can fit a new one.

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jrwperformance 5 points 2 years ago

Tiny water balloons filled with brake fluid.

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JWBananas 4 points 2 years ago

I want to see if those are mentioned in future news coverage.

In Minecraft, right?

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ArchmageAzor 1 point 2 years ago

IIRC, if one or two tires, or all four tires are damaged, insurance will cover it. But insurance won't cover three tires being damaged if I understand correctly. So slash three tires per car.

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pumpkinseedoil 3 points 2 years ago

It's better when insurance covers it

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jrwperformance 1 point 2 years ago

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Buffalox 91 points 2 years ago

So it's actually working!
That makes it more expensive to own a Tesla, and that's one more thing that will make it less attractive to buy, either new or used.
It's debatable whether this is fair, but clearly it achieves a political goal.

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Buelldozer -24 points 2 years ago

It’s debatable whether this is fair, but clearly it achieves a political goal.

I'd be real careful cheering vandalism / destruction of private property because you believe it achieves a political goal you agree with; eventually others will start doing do the same thing to further political goals that they agree with.

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Buffalox 53 points 2 years ago

Isn't that what they are already doing?
With no regard for how it harms others!

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suite403 18 points 2 years ago

Yea. This isn't being started on the left. It's being emulated.

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Buelldozer -17 points 2 years ago

I'm struggling to come up with any examples that parallel what's happening with Teslas.

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MegaUltraChicken 29 points 2 years ago

You can't think of a single example of conservatives destroying property for a political goal? Not one??

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Tyfud 22 points 2 years ago

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Buffalox 5 points 2 years ago

I think you are right that this Tesla boycott is unique, nothing I can remember is even close.
And what I remember goes back to the 80's, with the Shell boycott because they supported apartheid in South Africa. That boycott was a huge deal back then. Where there was (light) vandalism, for instance removing the S from their signs, so they said hell.

But now with Tesla, it's a completely different league in scope and consequences. Nice to see that there is a line also for ordinary sane people. Because this is definitely a response against the insanity of fascism.

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catsarebadpeople 3 points 2 years ago

You're not a serious person

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Novocirab 13 points 2 years ago

(Disclaimer: I'm not American.)

Not to argue for vandalism, but with the US government illegally detaining and deporting people for saying things that right wingers don't like, I don't think the MAGA crowd retains significant reservations about engaging in vandalism themselves – it's just that so far they haven't spotted a target where it would serve their cause to do so, and because, with the federal government in their hands, Republicans have much more effective and ostensibly legal methods at their disposal. (Should Republicans be voted out of power eventually, there will most certainly be vandalism from the right, conceivably even widespread violence against people, but this will probably be the case irrespective of whether Teslas keep exploding due to vandalism or only due to bad engineering.)

At this point, a perspective might be that it's no longer about "a political goal", but about preventing permanent loss of the ability of the people to achieve anything at all through democratic means.

Still, though: Even with this in mind, it's utterly true that one should be careful about cheering for any such actions.

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Buelldozer -12 points 2 years ago

don’t think the MAGA crowd retains significant reservations about engaging in vandalism themselves

The MAGA crowd is supposedly the most heavily armed and violent group of fascist thugs in existence and yet somehow they simply haven't bothered to ever do anything like this.

...it’s just that so far they haven’t spotted a target where it would serve their cause to do so

The coal rolling good ol' boys with an AR-15 in their back window could have started doing burning down EVs a decade ago when Elon was a Liberal darling...but they didn't. They could start doing it now but they haven't.

Should Republicans be voted out of power eventually, there will most certainly be vandalism from the right, conceivably even widespread violence against people...

I've been hearing this same argument for over a decade and yet its never really happened. Again, somehow the most highly armed group of violent fascist thugs in existence hasn't ever bothered to this en masse. Not even when they weren't in power, like just 2 years ago when they were all POd at EVs and Immigration.

Again, and I can't stress this enough, fuck Trump and his MAGA idiots. I despise them and I'm not defending them. I'm simply trying to force some reality and introspection into this mess.

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Novocirab 12 points 2 years ago

Please let us recall the Capitol attack. It was much, much worse, targeting not cars, but people and democracy itself.

(As for Elon, it is important to recall that back then, neither he nor any other liberal magnate had free access to the oval office and his own-or-technically-maybe-not-his-own government agency. His status is wholly unprecedented.)

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metaldream 1 point 2 years ago

Give me a fucking break. These people have bombed hundreds of abortion clinics, burnt down mail ballot boxes, and mass murdered people at grocery stores (Buffalo), gay night clubs (Pulse), churches (Charleston) and local newspaper offices (Annapolis) for years. They stormed Congress and killed cops. Multiple Democratic offices were shot up during the 2024 campaign season.

Right wing violence is so normalized in the US that they've managed to brainwash you into thinking this is some kind of escalation, when it doesn't even come close to the level of widespread violence of the right. Stop letting them get away with it.

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garretble 11 points 2 years ago

eventually others will start doing do the same thing to further political goals that they agree with.

I, too, remember January 6.

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metaldream 1 point 2 years ago

They already did that. Trumpers were literally burning down mail ballot boxes and shooting up power stations before the election.

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peoplebeproblems 77 points 2 years ago

Hahahahahahahaha

HAHAHAHAHAHAHAHAHA

This is fucking hilarious.

It turns out, property damage can solve a problem

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Snowstorm 15 points 2 years ago

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ArchmageAzor 12 points 2 years ago

Could the Americans be figuring out how to protest properly?

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CileTheSane 3 points 2 years ago

I wouldn't say this is properly, but at least they're finally starting to protest. This is teething while they figure it out.

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fyzzlefry 2 points 2 years ago

Fire hot

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SocialMediaRefugee 3 points 2 years ago

When it is targeted, not just smashing every window on some small business you happen to see.

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themeatbridge 22 points 2 years ago

Reminds me of the Kia and Hyundai challenge.

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scytale 27 points 2 years ago

Yup, my rates soared and insurance companies were dropping customers left and right. I had to abruptly trade it in and it definitely put me off buying Hyundai/Kia for the foreseeable future.

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tiramichu 5 points 2 years ago

What the heck is that?

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mysteriousquote 23 points 2 years ago

Basically those two manufacturers made cars that were easier to steal, and then it became a thing on TikTok.

https://en.wikipedia.org/wiki/Kia_Challenge

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tiramichu 11 points 2 years ago

Ohh yeah. I remember the tech news coverage of the cars being so easy to steal, just didn't realise there was a "challenge" about it. Unbelievable Hyundai and Kia got away without immobilisers for so long. Really cheeky of them to cut that corner, and it backfired.

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swizzlestick 17 points 2 years ago

They cut the corner because a lack of regulation allowed them to, in order to produce a cheaper model.

It's a mandatory feature in some other countries.

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RowRowRowYourBot 1 point 2 years ago

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reefermadness 20 points 2 years ago

Now this kind of thing could actually be the downfall of Tesla. Good job people!

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match 3 points 2 years ago

I'm proud of my fellow Americans

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notsoshaihulud 17 points 2 years ago

Ironically, even without the vandalism these cars were ridiculously expensive to insure. When I bought my EV I checked insurance premiums, and it would’ve cost $100/mo more to insure a model 3 similarly priced EV from another maker.

this is what the fanbois never bragged about when the brand used to carry some level of prestige

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avidamoeba 15 points 2 years ago

Makes sense. They should make cars that don't spontaneously combust.

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afronaut 13 points 2 years ago

Some higher being observing Earth from a far distance must be intrigued by the pattern recognition of us destroying one specific car while completely ignoring the thousands of others.

Like, imagine when we look at single-cell organisms and see them swarm something. We’d never apply any kind of nuanced interpersonal/sociopolitical reasons to be the cause.

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SocialMediaRefugee 10 points 2 years ago

The immune system reacting to a threat

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afronaut 3 points 2 years ago

Yea, colonialism/imperialism share a lot of characteristics with parasites.

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Flocklesscrow 7 points 2 years ago

Same pattern of white blood cells recognizing a pathogen. Search and destroy

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afronaut 6 points 2 years ago

Precisely. Makes you wonder what sociopolitical shit some amoeba are dealing with at the moment lol

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EmpathicVagrant 2 points 2 years ago

And we’ve looped into osmosis jones territory.

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Flocklesscrow 1 point 2 years ago

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match 2 points 2 years ago

If it works out it could be the template for a lot more action

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afronaut 2 points 2 years ago

I think it goes Luigi > Tesla Removal > and some time down the road, we’ll be in what would later be historically considered a revolution— what’s crazy is with how interconnected we are today, it could be a global revolution of some kind.

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zeppo 13 points 2 years ago

can people even insure wank trucks?

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SocialMediaRefugee 8 points 2 years ago

I assume people wear masks when doing it because of the monitoring cameras on Teslas

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Duamerthrax 13 points 2 years ago

The same cameras that drove one into a painting of a road? Only the best imaging.

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13igTyme 6 points 2 years ago

Tesla had to create the own insurance because many companies and states won't insure the cyber truck.

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Taco 3 points 2 years ago

Bwahhahahahaaahaha!! 😂😂😂😂😂😂

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finitebanjo 3 points 2 years ago

Guarantee the payouts dive as well, given falling market values.

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