State Farm sues Tesla for fire damaged home

Mine's pretty cheap, but that is probably due to all the cars and 2 drivers. And not that many miles on any of 'em due to the pandemic.
I pay $1322 for 6 months... Tons of coverage because if I am in an accident they may go after the houses....


Well 💩 O 🦌. That’s not cheap at all.

And they will go after the houses if you have them. It’s a wacky world we live in.
 
For a 3 $60K cars, a Tundra pickup and a 2006 TSX? That's dirt cheap.
Some people pay more than that for 1 car, right?
Depends, I wouldn't say it is 'dirt cheap' consider the coverage you showed me wasn't as big as I thought it would be. It is not bad though but not in the "you will not find anything better" deal.

I think for the quote you showed me in DM I would expect 1M coverage and maybe some umbrella thrown on top instead of 100k/300k, people sue all sorts of things these days.

I think maybe I'm too frugal, my insurance used to be 3 cars, 1 beater corolla (liability), 1 IS250 and 1 Prius V (full coverage) for 1K deductible and 300K / 1M liability for 2 drivers of 7k commute. Cost me 1800 a year. With the corolla crushed it is now 1500 or so.

Well 💩 O 🦌. That’s not cheap at all.

And they will go after the houses if you have them. It’s a wacky world we live in.

Then you need to max out the auto, the home, and then throw an umbrella on top. Seriously, self driving with manufacturer insurance liability (Tesla responsible, not the passenger) would probably one day be the mandate for super well off people if they want to reduce their insurance cost.

One "Crazy Rich Asian" I know from a friend's friend in Indonesia, his family probably had some sort of rubber or palm oil plantation, will not let him drive. Despite buying all sorts of super car he had to let the family driver drive it and he could only ride "shotgun". How sad.
 
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Now lets go to “lets be polite”, then calling someone a fool in the next sentence.
My sentence was "If I was being a fool, I would want people to tell me before I make a bigger fool of myself".

As you see my post all over BITOG, I made a fool of myself all the time. It wasn't meant to insult you. However, if you take it as an insult from me to you or sarcasm there is nothing I can do about it.
 
Talk about taking it all too seriously. Like I said, I never saw a plan with a smoker rate.

Now lets go to “lets be polite”, then calling someone a fool in the next sentence.

Riding in a basket full of flammable lithium ion batteries may be a new definition of smoker risk. State Farm seems to hint at that and where it is going.
Yeah even though we are surrounded by lithium power sources I still question it. Although a bit of a different scenario, but years ago I was into R/C electric buggies when nicad/nimh were the primary power sources. Was out of the hobby awhile and a handful of years looked into it again. Of course for some time the main focus is on lithium of a few different types and noticed there was a bit of strong advice to charge packs in a fire/explosion proof bag/locker of some sort due to the violent nature of lithium. These I looked at are less than 10 volts total and can be catastrophic for something so compact. Looking at damage done via pics/videos of overcharged/discharged lithium power sources definitely has some serious drawbacks regardless of how much 'safety' is incorporated. I **** sure have no intention of ever having an EV of any type based on that alone.
 
That makes no sense whatsoever.
I pay $1,322 every 6 months for 5 cars.
  1. 2021 LEXUS RX 450H (RX HYBRID) F SPORT AWD
  2. 2018 TESLA MODEL 3
  3. 2013 LEXUS GS 350/GS 350 F SPORT
  4. 2006 ACURA TSX
  5. 2001 TOYOTA TUNDRA SR5
Full coverage except on the Tundra. 2 drivers in our home.
That's $220 per month, or an average of $44 per car. The RX alone was almost $70K.
Sorry if I wan't clear.
 
I think maybe I'm too frugal, my insurance used to be 3 cars, 1 beater corolla (liability), 1 IS250 and 1 Prius V (full coverage) for 1K deductible and 300K / 1M liability for 2 drivers of 7k commute. Cost me 1800 a year. With the corolla crushed it is now 1500 or so.
Not exactly apples to apples; you are comparing 3 cars to 5. The value of my vehicles is like $150K. The new RX alone was almost $70K; you can probably guess the value of the other vehicles.
I am guessing your newest car is the IS250.
 
Talk about taking it all too seriously. Like I said, I never saw a plan with a smoker rate.

Now lets go to “lets be polite”, then calling someone a fool in the next sentence.

Riding in a basket full of flammable lithium ion batteries may be a new definition of smoker risk. State Farm seems to hint at that and where it is going.
American Family also hates Hybrids. The agent told me as much. If you have a RAV4 ICE only and a RAV4 Hybrid. There is less than $1000 diff between the two and insurance from Amer Family will be 50% more according to the agent. They lost me as a customer after 27 years.
 
Yeah even though we are surrounded by lithium power sources I still question it. Although a bit of a different scenario, but years ago I was into R/C electric buggies when nicad/nimh were the primary power sources. Was out of the hobby awhile and a handful of years looked into it again. Of course for some time the main focus is on lithium of a few different types and noticed there was a bit of strong advice to charge packs in a fire/explosion proof bag/locker of some sort due to the violent nature of lithium. These I looked at are less than 10 volts total and can be catastrophic for something so compact. Looking at damage done via pics/videos of overcharged/discharged lithium power sources definitely has some serious drawbacks regardless of how much 'safety' is incorporated. I **** sure have no intention of ever having an EV of any type based on that alone.
Did the Li battery you were charging came with its own BMS or was it a bare battery? I can't think of a reason outside of physical damage and manufacturing defect that they catch fire due to normal charging and discharging in small devices. It's not like we never use them in our laptop or phones.
 
More to this story we're not getting told. Sounds more like insurance is bum hurt to payout.
They always are. I worked in the insurance industry for a bit before IT. The stuff I saw companies do to get out of things was amazing, but then again, that's why they make so much profit.
 
Did the Li battery you were charging came with its own BMS or was it a bare battery? I can't think of a reason outside of physical damage and manufacturing defect that they catch fire due to normal charging and discharging in small devices. It's not like we never use them in our laptop or phones.

I once tried to get an old Li battery to have a "thermal event". Hooked it straight up to 120V from the wall outlet.

About all that happened was a little smoke and a wierd smell. That was it. No flames.

Now, the one time I punctured an Iphone battery (I had just replaced it for a friend of mine--had lost capacity), that was quite spectacular. Quite the fireball. I knew it couldn't just be thrown in the trash as-is, so that's why I punctured it (used a letter opener, but a knife probably would have worked just as well...)
 
Did the Li battery you were charging came with its own BMS or was it a bare battery? I can't think of a reason outside of physical damage and manufacturing defect that they catch fire due to normal charging and discharging in small devices. It's not like we never use them in our laptop or phones.
Actually didn't go the lithium route for that as it can be iffy if the least bit mistreated. I imagine the majority of issues is misuse, just look at the buffoons using high output LED lights with unprotected cells then seem surprised when things melt, ignite, etc.

In an effort to squeeze max power out of those cell types it seems as if 'normal' treatment is rarely supported. Of course there have been lots of phone/laptops due to lithium for one reason or another. Of course anything can/will have growing pains, just some can be more catastrophic than others.
 
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