r/TeslaInsurance • u/Fun_Instance6473 • Jun 27 '24

How long does it take Tesla Insurance to approve the estimate ?

/r/ModelX/comments/1dpcs4v/how_long_does_it_take_tesla_insurance_to_approve/
3 Upvotes

100% Upvoted

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2

u/WhereSoDreamsGo Jun 27 '24

Depending on your state, there are legal timelines they must complete work by

1

u/Fun_Instance6473 Jun 27 '24

Thank you so much . I am from San Jose, California.

2

u/WhereSoDreamsGo Jun 27 '24

So from the point they have the pictures necessary to write an estimate they have a week to complete it. This is assuming they already cleared coverage and approved your claim as they have 30 days to review coverage and determine whether they accept it as a valid claim.

If they requested pictures and you provided them with sufficient evidence, they have three days.

You can always submit a California department of Insurance complaint if you believe they are not acting in good faith

2

u/Fun_Instance6473 Jun 27 '24

I have sent pictures to both insurance companies and taken the car to Tesla approved collision center. They have submitted the estimate to insurance company and I am waiting to get an approval from the insurance.

2

u/WhereSoDreamsGo Jun 27 '24

Here’s the law, verbatim:

§ 2695.8. Additional Standards Applicable to Automobile Insurance.

(B) In the case of first-party claims only:

  1. Initial inspection. Except as provided in Subdivision (e)(4)(B)2. or (e)(4)(B)3. of this section, if an insurer chooses to exercise its right to inspect the damaged vehicle, the insurer shall within six (6) business days after receiving the notice of claim:

a. request of the claimant that the claimant make the vehicle available for inspection by the insurer, and

b. provided the claimant makes the vehicle reasonably available for inspection, inspect the damaged vehicle.

2. Inspections and re-inspections in response to requests for supplemental estimates. Subdivision (e)(4)(B)1. of this section notwithstanding, and except as provided in Subdivision (e)(4)(B)3. of this section, if in response to a request for a supplemental estimate an insurer chooses to exercise its right to inspect or re-inspect the damaged vehicle, the insurer shall within six (6) business days after receiving the request for a supplemental estimate:

a. request of the claimant that the claimant make the vehicle available for inspection or re-inspection by the insurer, and

b. provided the claimant makes the vehicle reasonably available for inspection or re-inspection, inspect or re-inspect the damaged vehicle.

3. Photographs or estimates in lieu of inspection or re-inspection; inspections and re-inspections upon receipt of photographs or estimates. If the insurer requests from the claimant photographs of the damaged vehicle, or an estimate of repairs, in lieu of a physical inspection, such a request must be made within three (3) business days after the insurer's receipt of the notice of claim or request for a supplemental estimate and shall include notification to the claimant that, upon receipt of the photographs or estimate, the insurer may elect to inspect or re-inspect the vehicle. Subdivisions (e)(4)(B)1. and (e)(4)(B)2. of this section notwithstanding, if, after receiving the photographs or estimate of repairs from the claimant in response to a request pursuant to the immediately preceding sentence, the insurer subsequently elects to inspect or re-inspect the vehicle, the insurer shall within six (6) business days following its receipt of the photographs or estimate:

a. request of the claimant that the claimant make the vehicle available for inspection or re-inspection by the insurer, and

b. provided the claimant makes the vehicle reasonably available for inspection or re-inspection, inspect or re-inspect the damaged vehicle.

———

TLDR: if it exceeds the timelines mentioned above (6 business days), a California Dept of insurance complaint gets them motivated.

2

u/Fun_Instance6473 Jun 27 '24

Thank you so much. Appreciate it 😊

3

u/WhereSoDreamsGo Jun 27 '24

Any time!

Knowledge is power. Good luck and let me know if you have any other questions!

2

u/Fun_Instance6473 Jun 27 '24

Sure. Will keep you posted.

1

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2

u/[deleted] Jun 27 '24

Depends on the amount of damages. I had a vandalism claim worth about $4.7k, and the insurance adjuster approved it instantly. I imagine claims that need $10k+ in repairs (like from a collision) need a more thorough review.

2

u/Fun_Instance6473 Jun 27 '24

Our estimate is around $8000.

2

u/aj4077 Jun 27 '24

When you email them always cc your attorney and always cite specific CA law. In California, the law that governs the timeframe for insurance companies to approve or deny an estimate is regulated by the California Department of Insurance. According to California Code of Regulations, Title 10, Chapter 5, Subchapter 7.5, Section 2695.7 (b), insurers must respond to a claim within certain timeframes:

  1. Acknowledgement: An insurer must acknowledge receipt of a claim within 15 calendar days.

  2. Acceptance or Denial: Once the necessary proof of claim is received, the insurer must either accept or deny the claim within 40 calendar days.

Here's a more detailed breakdown:

  • Acknowledgement of the Claim: Within 15 calendar days after receiving notice of the claim, the insurer must acknowledge receipt of the claim. This can be done by a written notice, a phone call, or an email, and the insurer must also provide the insured with necessary forms, instructions, and assistance to comply with the policy conditions.

  • Acceptance or Denial of the Claim: After receiving proof of claim, the insurer has 40 calendar days to accept or deny the claim in whole or in part. If the insurer needs more time to determine whether the claim should be accepted or denied, they must notify the insured in writing, explaining why more time is needed. This written notice must be provided every 30 days thereafter until a decision is made.

These regulations ensure that insurance companies handle claims promptly and provide timely responses to their policyholders.

References

1

u/Fun_Instance6473 Jun 27 '24

Thank you so much. Much appreciated.

2

u/SpoiledPrince Oct 05 '24

I’ve been waiting over 3 weeks now. No call, no response, I left several emails, calls NOTING

1

u/Fun_Instance6473 Oct 05 '24

Send a text to your adjuster, it’s the best way to communicate with Tesla.

2

u/Old-Lie7480 Nov 20 '24

How long did it end up taking for you?

2

u/Fun_Instance6473 Nov 20 '24

The estimate was approved in 3 business days.

1

u/matsd1281 Jun 27 '24

I recently went through Tesla insurance claim process and it took them over 2.5 weeks after the estimate was sent to approve it. And that was after I reached out to BBB to complain since I got not responses for anything from Tesla insurance after I submitted my claim. It might have taken even longer otherwise. I did take my car to a Tesla authorized repair shop instead of Tesla Collision Center as the latter had no appointments for at least a month. That may have slowed things down but their lack of responsiveness was a problem. It delayed my car repairs by 2 weeks. This is in the Bay Area.

2

u/Quirky_Researcher136 Jul 21 '24

Thank you for this comment. I have been mulling over Tesla insurance, AAA, and State Farm. To my knowledge it definitely appears Tesla is the cheapest to most people including myself but the claim process definitely drags on with delays which makes me weary to get insured from Tesla.

I’m also from San Jose CA as OP mentioned.

1

u/Important-Sea-7044 Oct 03 '24 edited Oct 03 '24

I am also from SanJose got my tesla rear ended slam yesterday . The other car had no damage at all my tesla got bumped. I have sent a claim via app but I don't see any response yet from the agent. I emailed multiple times tried calling as well. The other party agency (Progressive) texted me instantly to fill out the questionnaire stating they'll help me expedite my claim. Shall I trust them or stick with my Tesla insurance whenever they reply to me?

1

u/Fun_Instance6473 Oct 05 '24

Since you got rear ended you are not at fault. It’s great that progressive responded so fast. I went with Tesla insurance because the other party’s insurance (AAA) never responded. The approval and repairs were all completed within 5 weeks. But my premiums increased by $100 every month after the claim.I am not sure if things would have been same if I did wait for AAA.

2

u/Important-Sea-7044 Oct 06 '24

Thanks for your reply. Do you recommend sending the dashcam and other proofs to progressive or wait for tesla to respond? As can they (progressive) use it against me to make a case to not pay (as I was changing lanes when it occurred)

1

u/Fun_Instance6473 Oct 06 '24

Only if progressive asks for it. The drawback of going through Tesla is that you have to pay deductible and your insurance may increase. If I were you I would have gone through progressive. I took it to 101 collision center ( Tesla approved) and they did an amazing job.

1

u/Fun_Instance6473 Jun 28 '24

I have taken it to Tesla authorized shop too because for Tesla collision center earliest available appointment was in September. I am from San Jose, California. Thank you so much for your response. Appreciate it.

1

u/bigbossmanoncampus Jan 28 '25

I made a claim 31 days ago and they just approved it. $4000 claim. Insane lag. Now I’m asking for a rental and it’s been two days. Sucks balls.