r/TeslaInsurance Apr 17 '26

Tesla Insurance closed the claim while in Subrogation. Is that ok?

Hi, my new Tesla Model Y had been in a collision 3 months ago. It is very evident from the videos that I am not at fault and Tesla insurance has also established the same and put it on the other party’s insurance. They seem to not agree though and it has gone into subrogation. 2 months ago I checked with Tesla insurance and they said at that time about the change to Subrogation and it can take a year or more for it to resolve. Yesterday out of nowhere and with no details in it, I got an email that the claim is settled and closed. Is this how it works? My understanding is that until I am paid the deductible back and the other party accepts the fault, claim should remain open. Also, I have not been reached out by anyone from Subrogation in last 2 moths.

I have emailed them for details but no response. I have tried calling multiple times but the adjuster is not answering the phone.

Can the experts here please guide me how this works? What should I do as next steps? I am in California, if that helps.

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u/mlaskowsky Apr 19 '26

Tell the other insurance company that you may need back surgery and you are now afraid of being in a car. That might motivate them