this post was submitted on 23 Mar 2025
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[–] Darkassassin07@lemmy.ca 73 points 3 days ago (5 children)

https://www.congress.gov/crs-product/R47042

It would seem Insurance does actually cover acts of terrorism as long as they exceed $5million in damages, the amount Tesla has conveniently been claiming at each of their locations; with such claims partially or even fully subsidized by the federal government.

[–] couch1potato@lemmy.dbzer0.com 13 points 2 days ago (3 children)

The specifics of the current program are as follows: (1) a terrorist act must cause $5 million in insured losses to be certified for TRIA coverage, (2) the aggregate insured losses from certified acts of terrorism must be $200 million in a year for the government coverage to begin, and (3) an individual insurer must meet a deductible of 20% of its annual premiums for the government coverage to begin. Once these thresholds are met, the government covers 80% of insured losses due to terrorism

[–] zakobjoa@lemmy.world 6 points 2 days ago (2 children)

Am I reading that correctly, that for the gov to start covering individual damages of over 5 million the OVERALL terrorism damages in that year have to be greater than 200 billion?

[–] manxu@piefed.social 5 points 2 days ago (1 children)

Million, not billion. But the 20% deductible probably means that insurers can't get that money, because the way it's stated they'd have to pay out more than 20% of their (total) premiums for coverage to begin.

[–] zakobjoa@lemmy.world 2 points 2 days ago

Ah, yeah. Misread, that makes way more sense.

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