Just because the Democrats are the most left leaning party available to Americans doesn’t make the democratic party a left leaning party. If anything the Democrats are centerists because their ultimate objective is to maintain the status quo. Lemmy reaches to far more countries that just the United States, places that have left leaning parties. Even left-wing extremists parties, although they’re definitely on the ropes lately.

The Democrats aren’t a progressive party, they’re a conservative party. It’s just with MAGA in the room the scale has moved so far to the right that the center (conservative) seems progressive.

I can’t speak for Germany but my car insurance wouldn’t cover arson. It only covers liability, so if I cause damage or personal injury with my vehicle then my insurance kicks in and covers the other person’s damages. If I wreck my car in a single vehicle collision, a tree falls on it, or someone who doesn’t have insurance hits me then I get nothing. That is collision and/or comprehensive insurance that cover those situations respectively.

However I know that if I were to lease a vehicle, I would need to get comprehensive insurance as part of the lease agreement. These were probably leased so their insurance might cover it, definitely not all of those Tesla owners though.