I would agree normally, but at a larger scale, it would cost insurance more to replace everything leading to higher rates and possibly refusal of insurance due to the risk associated.

throwing those giant stickers on the windshield that don’t peel off without ripping

I read that in snowcrash, didn't know it was a real thing.

I thought Teslas (or maybe just the Cyber truck?) wasn't insurable. I thought that was the whole reason Tesla has to offer car insurance, because regular insurers won't cover them.

We can be concerned about harm of all scales, not only there greatest harms.