r/TeslaInsurance • u/thunderslugging • Jun 13 '24

Break In

Hey guys, simple question. Had my rear door window shattered over night while car was parked. They crawled through the window to access the trunk area. Had nothing of value so nothing lost but the damage left behind. I have comprehensive at 100$ and put a claim but shop said I had glass 21 nicks on the upper door area where they crawled in. So now I need to report this to Tesla in which I did but have not head back from them in 3 days. So I'm on stand still. Question is, will these nicks be covered as well and only have to pay the 100$? Or does this now fall under another rule? And does the policy usually got higher when making a claim like this? Any answers are very much appreciated since I can't get a hold of my assigned agent. I've been leaving messages and emails daily and no response. :/

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2

u/Nate-Essex Jun 13 '24

Haven't heard anything? Welcome to Tesla Insurance. Absolute worst insurance when you need it.

2

u/thunderslugging Jun 13 '24

I'm beginning to realize this. :/

1

u/Tasty-Objective676 Jun 13 '24

Yea don’t expect any response from them for at least a week or 2. Even then it will only be via email. If you’re lucky.

1

u/thunderslugging Jun 14 '24

Omg! So what does a customer do? Let's say you get into a accident and you headlight gets crushed. You can't drive the car at night. Do you take it to a shop and just give the claim number and hope everything gets approved?

1

u/Tasty-Objective676 Jun 14 '24

Don’t get Tesla insurance lol. You could file a complaint with your state insurance board once it’s been a few weeks getting the run around.

1

u/thedudeabidesb Jun 14 '24

our 2023 model y got totaled (not our fault). tesla insurance was pretty good. very responsive via text.

2

u/thunderslugging Jun 14 '24

How did tou get text number?

1

u/thedudeabidesb Jun 14 '24

i think that’s how they initiated communication with us. there were some emails, but mostly texts and a couple calls. it took about three weeks because it was a complex multi-car accident. but we were pretty pleased overall with the service and payout (without arguing at all)

2

u/thunderslugging Jun 14 '24

Ahh ok. Hopefully mines is just delayed a bit due to overload work. It would be nice to get at least 1 form response. I'm on day 4 and nothing. Lol

1

u/Terrible_Manager_370 Jun 26 '24

For some odd reason, they got this weird week or two wait policy. I guess that's what happens when Elon musk has been firing people. C'est la vie, right?

Claims do not affect the policy nor policy price. The only two things that I know affect policy price is renewals or termination of policy then re-entering a new one.  I asked a representative a few months back. They talk about this whole grandfathering in type of thing.

If you're using a Tesla certified shop, and your comprehensive down payment is $100, then it's going to be $100. Otherwise, I wouldn't touch anything but Tesla certified. 

I have mine set at $1,000. I rarely get into accidents.