This is a great question. Have been in insurance for 20 yrs now. Cannot phantom why f.e. insurers don’t hold manufacturers responsible for losses due to cloned car keys with inadequate protection. I do know that insurers are generally very hesitant to start legal procedures, especially those that end up in the news. Say, Volkswagen and Stellantis are formidable adversaries as well as national champions, so there is some presumption that getting your right might be difficult. And the bar as I understand it is not technical SOTA, but more something like acceptable practice, so the manufacturer could argue “hey everyone has shitty protection, so suck up the loss”. Perhaps the newest European legislation will help raise the bar / even the playing field.
