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Meh, they have insurance
some of them maybe? surely not all?
You don't need insurance FOR your car. You MUST have a "Haftpflichtversicherung" - but that only covers damage done by you and your car. If you only have that, you'll get exactly 0 Euro.
Most people here have partial coverage, so if glass breaks, you get into an accident with a wild animal or you car gets stolen - and you'll get some money back.
Full coverage would also include stupid mistakes you made. As long as they are not on purpose or done by speeding, drinking and driving and stuff like that.
So yeah, most people with newer cars would have full coverage. Expensive tho. So older cars usually only have partial or none coverage - only "Haftpflichtversicherung" is a must. Without you are not allowed to have a car in traffic.
All cars are required to have insurance in most European countries, Germany included. Not sure if collateral damage by vandalism is covered by default, but most of the time you are covered against any damage that you yourself didn't cause, so I assume it is covered.
Not so in Austria. Only Haftpflichtversicherung is required which only covers the car owner's liability.
I can assure you if you have a second hand 10 year old car and it burns down, you’ll get 3000€ from insurance, and good luck finding a replacement for that money.
“They have insurance” doesn’t solve all problems when you’re struggling and need a car for work.
So you can buy another 10 years old car with that.
Required insurance doesnt cover thing like that tho. It covers your liability not your car from the elements. For that you need at least partial coverage which tbh most people with Teslas probably have.
I can't speak for Germany but my car insurance wouldn't cover arson. It only covers liability, so if I cause damage or personal injury with my vehicle then my insurance kicks in and covers the other person's damages. If I wreck my car in a single vehicle collision, a tree falls on it, or someone who doesn't have insurance hits me then I get nothing. That is collision and/or comprehensive insurance that cover those situations respectively.
However I know that if I were to lease a vehicle, I would need to get comprehensive insurance as part of the lease agreement. These were probably leased so their insurance might cover it, definitely not all of those Tesla owners though.
Civilized countries require insurance so that victims aren’t at fault and on the hook, and better ones will even provide it(the province of Québec does the liability portion, for example).