this post was submitted on 23 Mar 2025
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Cyberstuck
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They definitely don't care about that first reason, and I'm not sure the second is measurably that much worse than other cars.
What they definitely do care about, though, is that it's prone to being vandalized and incredibly expensive to repair.
That and the uncertainty of being able to open the doors when a quick exit is needed, say a fire or something. There's a big difference in price tag in total loss vs. loss of life.
A big difference for the occupant, not for the insurance company
And the panels flying off and hitting someone else