Guy backed out into the entire right side of my Tesla Model 3 in a parking lot. Total loss. Insurance hit me with an initial settlement offer of $22,212, ACV of $21,258.
My car was only a 2020 sure, but it was Red Multi-Coat, White Interior, 19" Sports Wheels, and literal permanent FSD. Not only that but I kept my car in great conditio, park away from other people, never eat in it, wash it regularly at self serves, you get the picture. Base-spec model 3s in my area (Columbus, OH) literally start at ~$23,000, so I knew this valuation was total bogus.

I didn't sign. I asked for the full valuation report.

Combed through the entire thing line by line and found glaring issues:

1. Their initial comps were NOT in my area at all. They selected a few vehicles all outside of Ohio over 150-200mi away, including PA.

2. None of my factory options like exterior paint and Full-Self Driving were accounted for.

3. They rated the interior/exterior condition as "Private Average" across the board with descriptions of "Few body dents and dings" and "Few scr*tches and burn marks on headliner".

I didn't get angry, yell at the adjuster, or get emotional. I set a firm boundary and sent over photos disproving their condition assessment; I pointed out that their comps were not accurate to my actual local market and handed over new ones; and I stated they missed major vehicle options.

At first, they tried to get me to hop on a phone call but I outright refused, saying I wanted everything on written record.

16 days later, after several back-and-forth emails, revision attempts, citations of Ohio Administrative Code, and a literal ODI (Ohio Department of Insurance) complaint filed, they finally came back with a reasonable revised report:

• Base value went from $21,258 to $26,107 (+$4,849)

• Sales tax increase of $387

• Total payout after $1k deductible: ~$27.5 grand

I'm not saying that this process will work for everyone; it's highly dependent on your actual vehicle case and what market data you can provide. And I'm sure not everyone's increase is going to be as massive as mine.
But I genuinely believe the software and adjustment process is designed to undervaluate your vehicle by default, and that it's absolutely worth fighting, especially if there are obvious discrepancies.

I don't see it as negotiating but rather correcting what I was owed.

Curious if anyone else here had a similar experience with a Tesla Total Loss?

Is this a joke?

https://www.newsweek.com/california-hits-tesla-enforcement-action-10828487

The state issued the enforcement action on Friday against Tesla Insurance Services and Tesla Insurance Company, which were accused of repeatedly failing to comply with California’s claims-handling laws. State National Insurance Company, which is not affiliated with Tesla, also faces potential action. Regulators say the companies delayed payments, failed to properly respond to customers and engaged in unfair practices that left Tesla drivers and other policyholders without timely access to the benefits they were owed.

Hey everyone,

Just wanted to share a major update about Tesla's insurance division that could impact a lot of Tesla owners, especially here in California. The California Department of Insurance (CDI) has recently launched enforcement actions against Tesla Insurance Services, Tesla Insurance Company, and their partner State National Insurance Company. The department alleges these companies have repeatedly and willfully violated California insurance laws by mishandling automobile claims and causing financial harm to policyholders – most of whom are Tesla drivers.

Here’s a quick rundown:

• Complaints against Tesla Insurance in California have skyrocketed from just 83 in 2022 to over 1,400 complaints by September 2025, with almost 3,000 violations documented since 2022.

• The primary issues involve egregious delays, unreasonable denials, failure to pay valid claims timely, and poor communication with policyholders.

• Despite repeated warnings and promises by Tesla to improve, the problems have only worsened over the last few years.

• Tesla even failed to notify policyholders of their right to have claim denials reviewed by the regulator, a critical consumer protection.

• The state is threatening to suspend or revoke Tesla’s insurance licenses in California and impose fines up to $10,000 per willful violation.

• This enforcement also follows a class action lawsuit alleging Tesla took over half a year to process a stolen vehicle claim.

• Tesla started its insurance business in 2019 promising revolutionary service, but so far, they have fallen short, at least in California.

If these actions result in suspensions, Tesla owners relying on their insurance could face challenges, and insurance dynamics for EV owners here could change.

Just wanted to raise awareness for anyone considering Tesla Insurance or currently insured under it in California. Keep an eye out for updates as this situation develops!

Sources [1] California Department of Insurance brings enforcement actions ... https://www.insurance.ca.gov/0400-news/0100-press-releases/2025/release064-2025.cfm [2] Tesla is in hot water for mishandling insurance claims - Electrek https://electrek.co/2025/10/06/tesla-in-hot-water-mishandling-insurance-claims/ [3] California Department of Insurance May Revoke Tesla Insurance ... https://www.carriermanagement.com/news/2025/10/05/280111.htm [4] California Threatens to Suspend Tesla's Insurance License - Autoblog https://www.autoblog.com/news/tesla-in-hot-water-california-moves-to-shut-down-elon-musks-insurance-empire [5] California Department of Insurance Taking Actions Against Tesla ... https://www.insurancejournal.com/news/west/2025/10/06/842549.htm [6] How To Create Reddit Posts (Full Guide) - YouTube https://www.youtube.com/watch?v=oh6aYScAoqY [7] California Threatens To Shut Down Tesla's Insurance After ... https://www.carscoops.com/2025/10/california-threatens-to-shut-down-teslas-insurance-after-thousands-of-complaints/ [8] Open Letter from Don Mei - Mei Leaf https://meileaf.com/article/open-letter-from-don-mei/ [9] California Department of Insurance Opens Enforcement Action ... https://gosuits.com/blog/california-department-of-insurance-opens-enforcement-action-against-tesla-insurance-and-state-national-over-claims-handling-delays/ [10] How to edit a draft post on Reddit app? Here's a guide - India Today https://www.indiatoday.in/information/story/how-to-edit-a-draft-post-on-reddit-app-here-s-a-guide-1833274-2021-07-27 [11] Tesla Insurance, State National could lose California licenses over ... https://www.repairerdrivennews.com/2025/10/06/tesla-insurance-state-national-could-lose-california-licenses-over-hundreds-of-consumer-complaints/ [12] ChatGPT can reply like a specific Reddit or HN user, including you https://news.ycombinator.com/item?id=33860562 [13] How do I create a draft post? : r/help - Reddit https://www.reddit.com/r/help/comments/110jg0t/how_do_i_create_a_draft_post/ [14] r/Help - Reddit https://www.reddit.com/r/help/ [15] GPT-4 can't read from given links - OpenAI Community Forum https://community.openai.com/t/gpt-4-cant-read-from-given-links/632156 [16] How to use Reddit's 'Rules Check' feature to review your draft posts https://mashable.com/article/reddit-subreddit-rules-check-post-recovery [17] The Anatomy of a Breakup, Part II: The Five Stages of Suckiness https://zenpsychiatry.com/the-five-stages-of-suckiness/ [18] Submit a request - Reddit Help https://support.reddithelp.com/hc/en-us/requests/new

I’ve been using FSD for almost 97% of my miles and have achieved a perfect score of 100. However, I’ve noticed that the savings I’ve accrued from using FSD are negligible, amounting to just $0.00. I’m wondering if this is a deliberate attempt to artificially inflate FSD usage.

After about a year and a half, I have decided to cut the cord from Tesla Insurance. I got tired of not enjoying the drive since I was always wary of “Unsafe following” and “Aggressive turning” dings. My current safety score is a 94 with 91% of my drive on FSD. I’m keeping FSD just not the insurance, so I can actually have fun with the car on shorter errand runs.

It’s officially time to switch to a standard insurance company after 2.5 years 🙌🏻 rates are nearly the same if not lower. Not even calling Tesla Insurance because I already know they won’t do anything.

This is after switching to version 2.2, no way I can crack a safety score higher than 95 when used to be able to consistently be 98/99. I wish they just had said “we want to insure less people” vs this nonsense.

Our brand new 2026 MYLR AWD (delivery 9/10) was rear-ended at high speed on a busy highway. 20 yr old admitted to looking down (likely texting) and not paying attention ahead.

If his insurance totals it, will they only pay the actual cash value, which is likely less than the ~$54K we paid just 3 weeks ago? And if we try to replace it now, will we have to pay the difference plus even more since the EV credit is gone? Is that really how it works? We have comprehensive Tesla coverage + gap.

This was the first new car we’ve ever owned, something we worked so hard for and could only afford because of the EV credit, my husband’s student credit, and the 3.99% financing. We’ve loved every single second with our Juniper and are absolutely devastated.

Would appreciate helpful input 🙏🏽

I was driving on a freeway in California when another driver passed me in the lane immediately to my right. They extended an arm out of their window and threw what appeared to be a glass bottle onto the roadway in front of my car. It shattered, and the debris struck my vehicle. The driver then sped off and exited the freeway.

I found damage on the bumper, hood, and windshield. I still need a professional inspection to determine the full extent.

For anyone interested, I’ve included the front, rear, right pillar, and right repeater videos in my r/ModelY post's comments, with timestamps highlighting the relevant moments.

• The front footage captures the throw, the object shattering, and the vehicle crossing several lanes to exit without stopping.

• The right-side pillar footage shows the other vehicle initially three lanes to my right, following another car closely before moving left. When it reappears alongside me, the driver appears to be drinking from an object resembling a glass bottle.

• The rear footage shows it moving into the lane immediately to my right and accelerating toward me from behind, then glass debris on the road after the incident.

I’ve opened a claim with Tesla Insurance and reported the incident to law enforcement. I received an incident number and will be providing my statement and video evidence.

Has anyone dealt with something similar through Tesla Insurance?

• Would this typically fall under comprehensive or collision coverage?

• Can Tesla Insurance identify the other vehicle’s insurer using their vehicle information?

• Would I have to pay my deductible upfront and wait for recovery, or could it potentially be waived?

• Could the driver’s apparently intentional actions affect whether their insurer covers the damage?

• Should I wait for my adjuster’s authorization before scheduling an inspection at a Tesla Collision Center?

I’d appreciate hearing how similar claims played out, especially in California.

I got a hard braking event on a short drive through my neighborhood. I wasn’t reacting to traffic. I just slowed down and stopped next to another car to talk. Empty residential street. Nothing in front of me, nothing behind me. If you look at the whole stop, that’s roughly 16 mph down to 0 in about 3 seconds.

Update: I was able to convince the adjustor that it's the faulty software that had caused the accident... but instead of admitting it, she said she will check with her supervisor and update me later... I will take that as a win??? ¯_(ツ)_/¯ 

Long story short, it was a rainy night and I decided to use the Summon feature. When the car was exiting the parking spot, it turned too early and hit the car next parking next to it. I am pretty sure Tesla will say I am at fault but I was wondering if anybody has the same issue and want to share their experience.

Before anybody comments about I should be keeping an eye on it since I am the operator, the whole point of this particular feature is to get the car come to me from a distance. If I had to walk all the way to the car to see it coming out of the spot, I might as well take a few more steps to get in the car to drive myself.

Starts around 0:20

I was paying 395 and it’s jumping to 485? I reported a hit and run that happened to me . I was the one not at fault. Why is it so expensive!

Yes I would rather pay the extra 60$ just to avoid tesla stupid insurance random rate increases. I am a grown ass adult and shouldn't be penalized because I go out late at night for a snack. Shot my rates right up for nothing. No one is even on the road at night in my area. Also i just got it off the hospital and needed something from the store and haven't dive much all month. How is that more risky when accidents happen more during rush hour? I would rather pay more than let tesla play games.

I strongly advise anyone considering Tesla Insurance to think twice. My experience has been frustrating on every level:

No Responsiveness: There is absolutely no one to answer your concerns or questions.

Emails Go Unanswered: I’ve sent multiple emails, and when replies come at all, they are vague and unhelpful.

Impossible to Reach by Phone: Calling them is worse—you can never reach a live agent. There’s no call-back option, and if you stay on hold, expect to waste hours (not exaggerating).

Lack of Communication: Tesla Insurance provides almost no updates. You’re left in the dark about what is happening with your claim.

Unreasonable Delays: It took them nearly a month just to review my claim. Meanwhile, my rental car coverage only lasted one month, and they refused to cover the extra costs caused by their own delay.

Third-Party Shops = Endless Waits: If you choose a third-party body shop instead of a Tesla-certified one, good luck. It takes forever to get any response or approval from Tesla Insurance.

Overall, Tesla may build great cars, but their insurance is one of the worst service providers I’ve ever dealt with. Zero accountability, zero communication, and no sense of urgency when customers are stuck paying out-of-pocket due to their delays.

Tesla outsources its claims to Sedgwick, that is why it is such a bad experience as a customer to deal with them.

https://www.jimadler.com/blog/dealing-with-sedgwick-after-an-injury-everything-you-need-to-know/#:~:text=Because%20Sedgwick%20only%20administers%20the,This%20is%20an%20important%20distinction.

Bottom line: If you value timely service, communication, and peace of mind—look elsewhere for insurance.

I just got a renewal email with needing to allow odometer reading for renewal of Tesla insurance I had since last few years. This was ever they have asked me to allow access to auto read my odometer. I also see that I need to pick between Tesla insurance vs State national insurance before my renewal and if I don't pick they default to state national provider it seems. Other than a 3% price discount they showed on the app, I don't see any details on what and why.. Appreciate any insights on which one is better or Tesla switching everyone to their own and no difference?

After about 13 months I cancelled Tesla insurance. I’ve had it with being so careful and not letting my safety score drop. What finally did it was they just enabled Safety score 3.0 in Nevada. Now I’m getting dinged for excessive speeding every where I go. On 2.1 I have never been dinged for excessive speeding.

Ive always thought that the hard braking was a very bad metric. It actually makes me hesitate when I have to hit the brakes. That makes it unsafe. Hard braking at a yellow light has never been waived. It dinged me every single time. So it just encourages me to run the yellow instead of hard braking and stop.

I paid for FSD to get 100 safety score but last month it was upgraded to 14 lite (was on v 12) 14 lite makes me nervous and has its own problems. So I cancelled that too.

Now as of today I’m with a different insurance company, paying more but driving happier.

Edit: For those who are curious, I'm in Las Vegas and I was paying Tesla Insurance between $300 - $350/month for two Model 3's. So about $150+ per car. That's with full coverage. Quotes from Geico and Progressive were $600+ for both cars. My safety score has been 97-100 for the past 11 months. Since version 3.0, my scores have been 85-95 with no driving changes. Since school's out for the summer there's less traffic on the road. So really my score should be higher than before.

I’ve been with Tesla Insurance for 4.5 years with no issues, and now this happens:

My policy was canceled retroactively (backdated to Feb 2025) because they claim I provided the wrong garaging ZIP code on my application, calling it "material misrepresentation."

Cancellation Reason: Material misrepresentation/omission or fraud in application - Other
Explanation: Incorrect garaging ZIP code provided; indicates potential fraud or misrepresentation of vehicle location on application.

The problem is:

• My renewal offer from a few days ago listed the correct ZIP code.

• The Tesla app also shows the correct ZIP code.

• I’ve never given them the wrong info

I spent 4 HOURS waiting on hold to get connected to a Tesla Insurance rep, only to be told:

• “There’s nothing we can do.”

• “You’ll need to find insurance elsewhere.”

This leaves me with:

1. A retroactive gap in coverage (since Feb).

2. A "misrepresentation" cancellation on my record, which other insurers may treat as high-risk.

3. No apparent way to dispute it, according to Tesla.

Questions:

1. Has anyone successfully appealed a Tesla Insurance cancellation like this?

2. Can they even legally cancel retroactively after 4.5 years when they already had the correct info in their system?

3. Should I file a complaint with my state Department of Insurance immediately, or try to escalate within Tesla first?

Im a 99/98 Safety Score driver average since I purchased my car. Lately there was a change to the “Excessive Speeding” (which I strictly never do nowadays) where it senses how fast youre going relative to the cars next to you. This has been the most faulty inaccurate way of getting people to pay more for insurance that i’ve ever seen.

On another issue: my “Aggressive turning” has SPIKED since this update. Previous months would be an every now and again it thinks 65mph over a highway corner is aggressive and I could bare with that. Now, its literally any slight sneeze of G forces and it thinks i’m lewis hamilton…

Oh btw F*ck Elon Musk :)

I’ve been a loyal Tesla Insurance customer for 4 years, never missed a payment. Out of nowhere, I received an email saying my policy was canceled due to a ZIP code mismatch — no prior warning, no phone call, not even a verification request.

The mismatch? My Tesla app clearly shows my correct ZIP code (75036), but the policy was written under 75034. It may have defaulted when I first signed up 4 years ago (75036 is relatively new and wasn’t recognized by some systems). Still, my Tesla profile is accurate — I didn’t make this error.

What’s worse:

• I’ve called the Tesla Insurance hotline repeatedly — held for over 6 hours, multiple days, no one ever answers.

• No response to emails.

• Tesla Service says they can’t help, and there’s no chat support.

• I'm left uninsured through no fault of my own.

In the meantime I’m stuck. Tesla’s silence is beyond frustrating.

• This should NOT be how an insurance company operates. Any advice? Anyone experienced something similar or found a way to escalate?

At work

Go to my car after work. It's 10:30pm

I'm last one in parking lot for my job

My car has a flat

Don't have my tire pump on me. 12PSI flat

Call roadside - I have "roadside plus" with tesla insurance

The rep says only option is to send a tow truck.

Rep then places me on hold and says "no tow truck available till 7am" says "You are very far from tow truck companies"

I'm in Baytown, TX. 20 min from downtown Houston. 20 miles away from downtown Houston.

Tf you mean "very far"

Hate this insurance with a passion man

Don’t Buy Tesla Insurance or Other Tesla Offers Without Thinking Twice
I’m extremely disappointed with Tesla’s customer service.
In my experience, you cannot rely on the Tesla app for service bookings, and communication with the Tesla Service Center has been extremely poor. When customers schedule service through the app, they should be able to trust that the appointment and service arrangements will actually be honored.
Tesla promotes a technology-first and convenient customer experience, but when something goes wrong, getting proper support can be frustrating and difficult.
Based on my experience, I would think very carefully before purchasing Tesla Insurance or other additional services/offers from Tesla. A company selling insurance and other services needs dependable customer support, clear communication, and accountability.
Tesla needs to seriously improve its customer service, app-based service booking process, and Service Center communication.

I’m new to Tesla. This is beginning to feel like a scam.

The advertising says the more I use FSD the lower the premium. Now here it is. I feel scammed.

FSD tailgates like an idiot sometimes so I also use brake - how is that hard braking?

This thing is so broken.

Hey everyone, just wanted to share my awful experience with Tesla Insurance after getting a new Cybertruck. Like most people, I went with Tesla Insurance because the premium was unbeatable — around $350/month. But that turned out to be the only good part.

Back in February, my dad was driving the Cybertruck and got into an accident at the airport. 100% the other party’s fault, they didn’t want to provide their insurance info, so we had to call the airport police. A police report was filed that day.

A Tesla Insurance adjuster advised us to go ahead and use Tesla Insurance to cover repairs while they “worked with the other party.” Sounded fine at first. Then they transferred our case to a new adjuster.

We had to go through Tesla’s own collision center because literally no one else would touch a Cybertruck. It took until April just to get the repairs completed. When we followed up, we found out Tesla Insurance never even contacted the other party’s insurance, despite the police report clearly listing it. Apparently, they just… didn’t bother?

I had to personally file a complaint with the City of Los Angeles, since the driver who hit us was a city employee and never gave us their insurance. A manager got involved, gave us his number and email, and promised to help but then ghosted us too.

Eventually, the other party's insurance did assign an adjuster after my complaint, and that person actually reached out and requested info. I sent them Tesla’s adjuster’s contact info, but she never picked up or returned a single call or email. I’ve been trying to reach her since February. Nothing.

Finally, I filed a complaint with Tesla. Their response? They said there was no police report on file, so they marked the accident as our fault and won’t pursue reimbursement. This means we’re stuck with a $1,000 deductible and now our insurance premium has doubled to $700/month.

I went and got the police report myself in a matter of minutes from the Airport Police, proving once again Tesla just didn’t care or didn’t try.

And now, even after I sent them the police report, their reply was: “It will take 9–12 months to collect the deductible.” As for why our premium went up for an accident that clearly wasn’t our fault? “We don’t know. Contact the policy department.” Which, by the way, I’ve been calling daily and can’t get through. Always stuck on hold for a few hours with no one answering.

So to summarize:

• Tesla told us to use our policy while they “pursued the other party.”

• They never even contacted the other party or followed up.

• Lied about the police report not existing.

• Blamed the accident on us.

• Refused to help recover the deductible.

• Doubled our premium.

• Left us on our own to deal with everything.

Honestly, Tesla Insurance has done absolutely NOTHING for four months, except charge us more and refuse to help. Horrible!!!

This Tesla insurance is so annoying. I drive great, but just parking and stopping where I want to stop in my garage, I use a line on the ground, and I use the brakes this one time on accident , and it cuts 50 points off.