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When insurers get on this you know there's a problem. Our insurers void our building insurance if anyone parks an EV in the underground car park...
by gw99 4y ago
When insurers get on this you know there's a problem. Our insurers void our building insurance if anyone parks an EV in the underground car park...
- ironmagma 4y agoLuckily, FL has an abundance of currently wasted land. It should be easily solvable. In CA, a bigger challenge as the land is actually used efficiently so there is little room to shuffle parking spots around.
- t-writescode 4y agoUh, what? Do you mean all the national parks and farmland?
- sidewndr46 4y agoThey must be referring to those pesky wetlands. We can just fill those in and convert the entire state of Florida into one giant parking lot.
- ironmagma 4y agoIronically, what I meant was the land that is currently undrivable asphalt. Have you ever been to Plantation? It’s just one big tarmac basically.
- ironmagma 4y agoNo, I mean the unnecessary margins around literally every structure “minimum setback requirements.”
- toast0 4y agoIf you mark all of FL as uninhabitable (which is true to a first approximation), you would have a whole lot fewer EVs parked in the state, for sure.
- ironmagma 4y agoThere are a lot of people living here considering it is unlivable.
- marcinzm 4y ago>a bigger challenge as the land is actually used efficiently You've never seen a population density map of California have you?
- ironmagma 4y agoYes, I have driven all over CA and lived there as well. The places EVs are, mainly LA and SF, all the land is being used reasonably, even if it’s not for people. In FL, there is about 500 feet of empty space around every object of interest serving no purpose basically.
- seanmcdirmid 4y agoThose are drainage ponds usually filled with water because much of Florida is swamp.
- ironmagma 4y agoI’ve lived in FL all of my life save for 6 years spent in CA. We’re not talking about the same thing.
- seanmcdirmid 4y agoGood luck getting insurance at all in Florida these days. All those hurricane claims add up.
- CamperBob2 4y agoOur insurers void our building insurance if anyone parks an EV in the underground car park... Got a link that backs that up?
- gw99 4y agoIt's the leaseholders who handled it. They sent out updated terms for the apartment building which extended insurance exclusions. Not in USA for ref...
- astura 4y agoYou want this person to post their insurance policy?
- CamperBob2 4y agoThat would be a pretty damned important part of the policy's public documentation and advertising, now, wouldn't it?
- astura 4y agoNo? I've never been able to read a policy before underwriting? The same insurance carriers have different sub-companies they put different customers in depending on the specifics of the customer, one sub-company might have the restrictions and one might not. Might also depend on the specifics of the car park - how close to the building it is, if it's attached, etc. You really don't know what you're going to get until you get your personal quote - For example, my previous insurance policy has a separate, much higher, deductible for hurricane claims which wasn't disclosed until after I got the quote. I shopped around quite a bit because I wasn't happy with that provision of the policy and was able to find one that didn't have a separate hurricane deductible for cheaper.
- CamperBob2 4y agoYou really don't know what you're going to get until you get your personal quote Exactly. You get a quote, you read the attached policy, it says "No EVs can be parked on premises," you have a good chuckle and toss the quote in the trash. I don't understand any of this "You have to buy the policy to see what is in it" reasoning.
- denimnerd42 4y agohow can you even police that? is there security monitoring this or something? what about hybrid electrics that use li-on. what about ebikes?
- gw99 4y agoNo if the place burns down and there's an EV of any kind in there then they don't pay out. Covers explicitly eBikes and hybrids as well.
- deleted 4y ago[deleted]
- nomel 4y ago> how can you even police that? Trivially, after the investigators identify the cause of the fire. With all insurance, it’s not a matter of policing, it’s what will be covered when you try to make the claim.
- denimnerd42 4y agoI don't mean the insurance company. That's obvious. I mean how does the owner cover itself.
- nomel 4y ago> how can you even police that? is there security monitoring this or something? I don’t understand how that applies to an owner. Police and monitor themselves? Owners cover cars with car insurance, house damage (including from cars and e-bikes) with homeowners insurance. The homeowners insurance policy describes the details and requirements of what’s covered.
- astura 4y agoInsurance companies do actually do reconnaissance occasionally; my parents had their homeowners insurance cancelled this way. More commonly, they will deny a claim if, during the claims process, they found there was an EV in the parking lot at the time of the loss, even if the EV isn't related to the loss. Friend of mine is an insurance adjuster and he says he denies claims all the time when he finds out people were violating their policy terms at the time of the loss. Read your insurance policies, people.
- jackmott 4y ago