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Re:Tesla’s $16k Quote for a $700 Fix Is Why Right to Repair ... by barrkel on Monday July 12, 2021 @08:28PM (#27816590)
As pointed out in another comment, I think this is a case of US / UK difference in insurance jargon. Debris damaging the undercarriage would not be covered by the closest UK equivalent of collision insurance (CDW on rentals), as I understand it.

I also think insurance is a bit of a red herring here. You wouldn't claim on insurance for a flat tyre either; some things are just bad luck. It's the quality of engineering - what I do think is on topic - which controls the risk.

Re:Tesla’s $16k Quote for a $700 Fix Is Why Right to Repair ... by anfilt on Monday July 12, 2021 @10:20PM (#27817090)
Except, in most vehicles something like this would not result in 16k quote to repair so the insurance not covering it is not the end of the world.

This I would say is more of design oversight on tesla’s part. At the very least there should have been a shroud or cover over more vulnerable parts.