this post was submitted on 06 Oct 2024
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GEICO, the second-largest vehicle insurance underwriter in the US, has decided it will no longer cover Tesla Cybertrucks. The company is terminating current Cybertruck policies and says the truck “doesn’t meet our underwriting guidelines.”

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[–] [email protected] 166 points 8 months ago (3 children)

Pretty sure they were one of the last major companies that would...

Even if warranty pays for repairs to it, if it damages anything else the insurance still has to pay.

The article mentions multiple examples of them just randomly shutting down during operation. That's already bad. But this is going to be it's first winter, it's not surprising insurers don't want to deal with it. They deal with large numbers, it's not a question of "if" like an individual owner, its "when" for the insurer

[–] [email protected] 53 points 8 months ago (1 children)

Class action lawsuits are gonna be a mother fucker

[–] [email protected] 85 points 8 months ago (5 children)

Class action lawsuits are gonna be a mother fucker

Part of the purchase agreement of a Tesla agreeing to binding arbitration. This means no class action suit. You can opt out of this within the first 30 days, but you have to send a letter requesting it.

How many Tesla owners do you think do that?

[–] [email protected] 50 points 8 months ago (2 children)

That assumes the court finds that enforceable. Usually they do, but a few times recently, they've said it's not.

[–] [email protected] 54 points 8 months ago (1 children)

That's one of the nice things about the law in Quebec. Binding arbitration clauses are illegal.

[–] [email protected] 2 points 8 months ago* (last edited 8 months ago) (2 children)

Je devrais demeneger a Montreal.

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[–] [email protected] 19 points 8 months ago

I mean in trumps court of law musk can’t lose.

If dumpy wins, for sure no class action.

If dumpy loses, his Supreme Court will still side with the conservative side anyway, so probably still no class action.

[–] [email protected] 24 points 8 months ago

i don't own a tesla, so if their cars injure me I can sue them*

[–] [email protected] 14 points 8 months ago (2 children)

Steam recently removed their arbitration clause, largely because paying for a thousand arbitration cases is worse than dealing with a class action.

[–] [email protected] 17 points 8 months ago

I’ve heard that death by 1,000 arbitrations is a good way to make em regret it. Glad to see it’s true.

[–] [email protected] 1 points 8 months ago

Which is what Musk is looking at happening.

Between cybertruck and twitter, dude’s gonna bankrupt himself.

[–] [email protected] 4 points 8 months ago (4 children)

Wow, I never thought I'd find an actual good argument for keeping independent car dealers as middlemen instead of allowing first-party sales, but here we are.

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[–] [email protected] 3 points 8 months ago (3 children)

The article mentions multiple examples of them just randomly shutting down

Which is really strange considering they don't pay anything for that...?

[–] [email protected] 22 points 8 months ago (1 children)

A vehicle shutting down in the middle of the freeway can easily cause multiple accidents.

[–] [email protected] 3 points 8 months ago (1 children)

I don't know how you got to the assumption that they all broke down in the middle of a freeway?

[–] [email protected] 9 points 8 months ago (1 children)

I don't know how you got to the conclusion that OP was saying "all" and not being hypothetical.

[–] [email protected] 2 points 8 months ago (2 children)

Because hypothetical is a pointless and irrelevant discussion, and isn't exclusive to the Cybertruck.

[–] [email protected] 6 points 8 months ago* (last edited 8 months ago) (1 children)

According to this comment thread and the article, these cars have abruptly stopped functioning with no warning. Do you not think it is only a matter of time before that occurs in a dangerous situation? Insurance companies base their decisions on statistics and probabilities. It is very much related to "hypotheticals".

[–] [email protected] 2 points 8 months ago (1 children)

Do you not think it is only a matter of time before that occurs in a dangerous situation?

I literally just explained this in the comment you replied to.

It depends on what it means by "stopped functioning". It could mean any of a hundred different failures. Did the screen shut off? Did it slam on the brakes at 60mph? Did it lose propulsion, and can simply be rolled off the road?

Once again, this is not remotely the first time cars have had issues like this and never before were their insurance policies canceled for something that never happened.

In other words, this ain't it.

[–] [email protected] 4 points 8 months ago

I literally just explained this in the comment you replied to.

You did not.

Once again..

This was the first time you made this point, so not sure why you say "again".

In other words, this ain’t it.

They likely won't disclose the real reasons. However I'm yet to be convinced that reliability wasn't taken into account.

[–] [email protected] 1 points 8 months ago

It’s rare for normal cars to shut down with no warning.

It’s pretty common for cybertrucks to do it.

Eventually that’s gonna happen on a highway. Insurance works by assuming the worst thing that can happen will happen and charging you appropriately. It’s far from irrelevant in this case.

[–] [email protected] 15 points 8 months ago (2 children)

The go pedal and the steering wheel are equivalent to a keyboard/mouse and are not physically connected to anything. If the car shuts off, the wheels go where they feel like with absolutely no driver control.

[–] [email protected] 2 points 8 months ago (1 children)

Never thought of they how would you brake if the car shutoff.

[–] [email protected] 1 points 8 months ago (3 children)
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[–] [email protected] 2 points 8 months ago* (last edited 8 months ago) (2 children)

That's absolutely not how that works. There is no such thing as "off" for this vehicle. It can mean any number of things. There are also several redundancies built in. Airplanes full of hundreds of passengers thousands of feet in the air are also flown without mechanical controls but society seems to accept that that's okay?

[–] [email protected] 14 points 8 months ago* (last edited 8 months ago) (1 children)

Did you really just draw an equivalency between Tesla’s software practices and the aerospace industry? Even Daddy Musk isn’t stupid enough to pretend those are the same.

Also your assertion that there is “no such thing as off” blatantly displays your horrible lack of understanding that distributed computing still relies on electricity.

Edit: since Tesla is apparently the same thing as Airbus, can you point me to the source code published by the relevant regulatory body that controls the Cybertruck’s steering mechanism?

[–] [email protected] 3 points 8 months ago* (last edited 8 months ago) (2 children)

Do you really just not understand the difference between an analogy and an equivalency?

Also your assertion about computation and electricity displays your horrible lack of understanding of the concept of redundancies.

If you have evidence that there was a complete lack of power to any and all systems, please do present it, but I'm very confident that you don't, so please come off it.

[–] [email protected] 11 points 8 months ago (1 children)

Yes, I fully understand the difference between analogy and equivalency. You claimed that fly by wire on an aircraft is exactly as safe and redundant as the steering wheel of a Tesla vehicle. That’s called an equivalency and is a demonstrably false statement. I never claimed that there were no redundancies to the power supplies, but it’s simply not relevant. You do understand that there are different regulations and rigors applied to an aircraft compared to a crappy car that hasn’t even passed any crash safety testing and hasn’t been certified by any engineering standards bodies, right?

[–] [email protected] 2 points 8 months ago (2 children)

You claimed that fly by wire on an aircraft is exactly as safe and redundant as the steering wheel of a Tesla vehicle.

I did not. You just pulled that out of your ass. I don't have time for bad faith arguments. Good night.

[–] [email protected] 9 points 8 months ago

The only good news here is that the regulators in your country aren’t stupid enough to let you operate this machine near your fellow humans.

[–] [email protected] 5 points 8 months ago (1 children)

Your comments sounds exactly like that.

[–] [email protected] 2 points 8 months ago

You're just bad at reading.

[–] [email protected] 1 points 8 months ago* (last edited 8 months ago) (1 children)
[–] [email protected] 2 points 8 months ago (4 children)

...yes? Was there something you wanted to add? I can't see anything in Twitter.

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[–] [email protected] 2 points 8 months ago (1 children)

Have you looked at the cybertruck’s manufacturing practices? Airplanes have redundancies for their redunancies and that’s why people use them. The cybertruck was built with the “go fast and break things” model, does not have redundancies, and actually removed some standard safety features found in every other car. Like tempered glass.

Comparing a cyber truck to an airplane is like comparing a pinewood derby car to a military personnel carrier. One was made by a child. The other is engineered to keep as many soldiers alive as possible.

[–] [email protected] 2 points 8 months ago (1 children)

Have you looked at the cybertruck’s manufacturing practices?

I have, fairly extensively. You clearly have not.

[–] [email protected] 1 points 7 months ago (3 children)

On the internet, anyone can say anything. I am the Pope.

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[–] [email protected] 9 points 8 months ago* (last edited 8 months ago) (1 children)

They do when it shuts down while driving and careens into another vehicle.

[–] [email protected] 2 points 8 months ago (1 children)

I assume you have a source for this collision?

[–] [email protected] 8 points 8 months ago (1 children)

No one is saying it's actually happened. It is a fact though that they are shutting down while driving which introduces a higher risk of it happening which the insurance companies don't want to take.

[–] [email protected] 2 points 8 months ago* (last edited 8 months ago) (1 children)

That's my point. Unless it's actually happened, you're completely blowing things out of proportion, and most likely does not explain this situation.

This isnt the first vehicle to ever break down on the highway...

[–] [email protected] 5 points 8 months ago (1 children)

I can steer to the shoulder of the road in a traditional vehicle hit the brakes. Can I do that in a cyber truck?