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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[–] Pogogunner@sopuli.xyz 137 points 1 month ago (9 children)

More importantly, Anderson has eight vehicles. GEICO is only choosing to terminate the insurance coverage from Cybertruck and is actively pursuing renewal of his vehicle coverage for the rest. This leaves no doubt that GEICO’s issue is directly related to the Tesla Cybertruck and not to Anderson or other factors.

Why would someone own 8 vehicles?

Robert added, “It makes no sense, as there are other, riskier cars out there. Let me know if you recommend any insurer for the truck. I have eight cars with an amazing record. I will be canceling my entire Geico policy!! Bye-bye!”

I can't think of a vehicle that is more likely to be a risk to others than the Cybertruck. I'm sure insurance adjusters see how people use Tesla FSD in spite of its shortcomings. The truck is heavy as hell and breaks in all sorts of ways others vehicles don't.

[–] billiam0202@lemmy.world 124 points 1 month ago (4 children)

Also, there have been no independent crash tests done so no insurance company can accurately assess the risk, so this is wholly unsurprising.

Tesla have allegedly done their own crash tests, but they still have not released the data. It's kinda what you'd expect when a government-regulation-hating techbro designs a "I got mine fuck you" vehicle.

[–] NuXCOM_90Percent@lemmy.zip 33 points 1 month ago (1 children)

If Geico, and presumably soon others, are angering the chuds by refusing to insure this, independent crash tests definitely occurred and they were not favorable.

You don't have to be an obnoxious YouTuber to crash a car.

[–] billiam0202@lemmy.world 19 points 1 month ago

If Geico, and presumably soon others, are angering the chuds by refusing to insure this, independent crash tests definitely occurred and they were not favorable.

When I said no independent crash tests had been performed, I was specifically referring to the IIHS since they're the only ones who opinion really matters and they've stated they have not tested any Cybertruck. But yes, regardless of whether Tesla's internal crash tests were performed by their staff or some other testing lab, the fact that they're sitting on the results clearly indicates that they know just how poorly the crumplezone-less sharp-edged quality-uncontrolled ketaminemobiles fare.

[–] QuarterSwede@lemmy.world 19 points 1 month ago (1 children)

Ahhh, that’s a reason that makes sense. Much better than the article itself. Thanks.

[–] billiam0202@lemmy.world 19 points 1 month ago

To be clear, I don't know if that's why GEICO is cancelling policies on Cybertrucks, but I'd bet heavily it's a contributing factor. It could be that they decided the risk was worth it, until the trucks actually started coming out and the sheer number of recalls due to shitty manufacturing was just too much.

[–] GraniteM@lemmy.world 5 points 1 month ago (1 children)

I thought that was the sort of thing that the government mandated companies had to do in a controlled and transparent fashion. I wouldn't have thought that the NTSB would allow a vehicle to be registered without a thoroughly vetted crash testing procedure.

[–] billiam0202@lemmy.world 5 points 1 month ago

Apparently "rare" or "limited-release" vehicles don't get tested. Which means the Cybertruck will probably never get tested 😂

[–] Auli@lemmy.ca 4 points 1 month ago (1 children)

The cyber truck has no crumble zones. I’d like to see Tesla’s tests.

[–] billiam0202@lemmy.world 3 points 1 month ago

Cody Johnston did a vid about the Cybertruck on his most recent episode of Some More News. He starts talking about the crash test Tesla did (with video) around the 8:45 mark.

[–] darklamer@lemmy.dbzer0.com 64 points 1 month ago (2 children)

Why would someone own 8 vehicles?

He might be too poor to be able to afford more than that.

[–] sunzu2@thebrainbin.org 9 points 1 month ago

Suffering from Success

[–] XeroxCool@lemmy.world 3 points 1 month ago

Maybe it's 1 cybetruck and 7 Dodge Caravans saved from the crusher

[–] spankmonkey@lemmy.world 41 points 1 month ago (1 children)

Why would someone own 8 vehicles?

Why does anyone have anything? If they can afford to collect the things they are interested in, they will have many of those kinds of things.

[–] Zak@lemmy.world 35 points 1 month ago (1 children)

Why would someone own 8 vehicles?

Car collectors exist, and I have the impression quite a few of them are among the Cybertruck's early adopters.

[–] CarbonIceDragon@pawb.social 11 points 1 month ago

Honestly, a car collector is probably the best kind of person to have one I'd bet, given that they now exist out there. They don't seem terribly safe for pedestrians and others to have around, so it they're going to be out there in individuals hands, them being kept parked in some guys garage as some weird curiosity vehicle of the 2020s is probably better than being driven around on the daily as a pointy oversized commute vehicle

[–] grue@lemmy.world 9 points 1 month ago (2 children)

Why would someone own 8 vehicles?

Because he's a car enthusiast with a problem.

(Source: I own six.)

[–] XeroxCool@lemmy.world 5 points 1 month ago (1 children)

Kinda funny how it sneaks up on you when you get the space. I have 7 vehicles split between my wife and I. Most of them were bought at bottom of the market. People act like I must be wealthy as they drive a new suv worth $20 more than my fleet. I could replace the whole spread for like $30k. I'll add the qualifier that 2 are motorcycles and I'm totally, definitely, working on selling my prior daily. But $3k isn't exactly life-changing. I imagine this is a fuckcars zone but it's a hobby for people. Every hobby is destructive. It's not like car enthusiasts are driving multiple cars at a time, so the fuel consumption over time is normal. And the thirstier cars tend to be broken more often!

[–] grue@lemmy.world 6 points 1 month ago

I imagine this is a fuckcars zone but it’s a hobby for people.

More than you know: even I use a bicycle as my daily-"driver," LOL!

Of the six cars I have, only one isn't an old, unreliable project car and/or two-seater. Even then, I only have that because my parents essentially forced it upon me. (They have some kind of silly hang-up about having a cargo bike be my sole means of transporting the kids, other than public transit.)

Perhaps ironically, good urbanism is what gives me the freedom to treat cars as a hobby instead of a necessity, and I firmly believe that's the way it ought to be. It's a lot like how people can be into horses while also still understanding that it's a dumb idea to commute to work on horseback.

[–] sunzu2@thebrainbin.org 3 points 1 month ago (1 children)

There are better ways to blow money but that's just a opinion 🫡

[–] grue@lemmy.world 4 points 1 month ago (1 children)

Hence the "...with a problem" part.

[–] sunzu2@thebrainbin.org 5 points 1 month ago

Who said other ways ain't a problem 🤣

[–] ContrarianTrail@lemm.ee 3 points 1 month ago (2 children)

How is cybertruck more risky to others that your average truck?

[–] Pogogunner@sopuli.xyz 10 points 1 month ago (1 children)

Heavier (6,898 pounds compared to 5,540 for the F-150), lithium fire risk, inattentive drivers using the FSD

This is all on top of how dangerous American trucks have become to others

[–] spankmonkey@lemmy.world 4 points 1 month ago

Don't forget the cybertruck body panels are basically dull knives due to being flat sheets instead of curves where they are joined.

[–] Sweetpeaches69@lemmy.world 3 points 1 month ago

Just look at the front "bumper". It's triangular, and made of metal. If it hits a pedestrian, unlike other cars that try to bump and deflect the pedestrian up onto the hood, the Cybertruck will cut the pedestrian in half with that angle. Also, because it's metal, there is NO give. That could even be dangerous to other cars, let alone pedestrians and cyclists.

That's just one aspect, though. You got 3 others from another commenter, making the Cybertruck tonight's biggest loser.

[–] Malfeasant@lemm.ee 2 points 1 month ago

Why would someone own 8 vehicles?

My uncle was like that - he was a contractor and realtor. He had several work trucks, each for a specific purpose, plus one general purpose, and half of them had snowplows of various sizes. Most of them had something wrong with them that didn't interfere with their specific purpose, but would have been a pain to deal with daily. Only new one was a minivan for driving clients to sites... Then he bought a house closer to town that had a flatbed truck left on it...

[–] bluewing@lemm.ee 2 points 1 month ago

I would assume he's either a car collector or he owns a small fleet of work vehicles for his small business, (like a plumbing business or such).