Has anyone else experienced this with Tesla Insurance?
A household member over 20 years old with only a learner's permit was required to be listed as an excluded driver through the Tesla app. Tesla didn't provide a reason—only that he must be excluded?
Is this standard practice for permit holders, or has anyone been able to add a learner's permit holder as a covered driver instead? Thanks
Sadly an underinsured driver hit my 2021 Tesla Model Y while it was parked. They are and have taken fault but just found out they have low limits/underinsured so I will 99% likely have to go through my Tesla Insurance. I have a $1K deductible so I know I would have to pay that upfront but will I get reimbursed at all or a percentage based on what Tesla can get back from the other party insurance? Basically will Tesla pay me back my deductible first and then pay themselves?
EDIT:
Shop was mistaken. It’s not dead. Insurance only wants $5,900 for me to keep it so I’m going to argue the value a little bit and take the car and money and run! Now to find the best option to repair it and then get recertified with Tesla.
My 2016 model S has been sitting at a Tesla Certified 3rd party repair shop for a couple months. Initially to get a quote and since then I have been negotiating with insurance about value and changing back to repairable rather than total loss. The car reads having 58% battery most recently in my app. The shop has now notified my insurance that the battery is dead and they aren’t able to move it or repair it.
Am I right to find this absurd? Didn’t think I would need to teach a shop that works on teslas how to not let one completely die.
There is another shop that I can get a quote from close to this one. My other option is hiring an arbitrator and hopefully getting a better total loss offer. This is a P100D fully loaded unicorn with full self driving paid and SC01 free supercharging. Ludicrous plus and every option so initial price was ~$165k and you can’t find them for less than $38k from what I see. I’ve heard it’s hard to get them valued accurately but currently they’re offering me $26k and some change so it seems like I should be able to get more than that. The shop quoted like $17k to repair and my appraiser was open to changing it to repairable after seeing a fully blue printed repair from the shop.
Yes I will be getting an agreed value insurance policy ASAP depending how this goes.
Scared about losing my dream ‘drive it for life’ car. Thanks in advance🙏
As the title asks, has anyone needed to use Tesla insurance and has a GOOD experience? Currently with Safeco (just bought out by Liberty) and paying an astronomical amount in Missouri. $3200/year on a 2026 S and $2400 on a 2024 model Y AWD LR. No accidents or tickets on our record, and all of our insurance (home & umbrella) are bundled. Or maybe this isn’t astronomical at all... 🤷♀️ Our deductibles are low ($500) but I’m going to increase those to hopefully lower the rates.
We have an insurance broker but she’s kept us with the same insurance company for 3+ years. Hubby used to take care of all of this, but after he had a brain tumor removed he’s no longer in a position to take care of the bills. I’ve been trusting the broker and now starting to wonder…
Any advice? Lemonade isn’t an option in MO.
PS - Hubby uses FSD almost 100% but disengages in parking lots and to override navigation that thinks a detour sign into our neighborhood means the entire road is closed (it’s closed just beyond our neighborhood). I’ve read here that disengaging by using the brake results in “hard braking,” which drives up your score.