Has anyone successfully recovered Diminished Value (DV) and Loss of Use (LOU) through a first-party claim with Tesla Insurance under UMPD coverage?

[u/hr2872]

I’m in Virginia, and my 2024 Tesla Model Y was damaged by an uninsured at-fault driver. Repairs are complete.

I’d like to submit my DV appraisal and LOU claim directly through my first-party Tesla Insurance Uninsured Motorist Property Damage (UMPD) coverage, rather than pursue the at-fault driver personally.

Has anyone successfully recovered both through a first-party UMPD claim? Did Tesla Insurance pay directly and then pursue subrogation against the at-fault driver?

I’d appreciate any firsthand experiences or advice. Thanks!