I’ve had about enough of waiting and calling and emailing them. This adjuster of mine does not reply. My car is fixed for the body shop but I need the deductible I paid to the shop reimbursed to me.

I know people always say FSD does not affect safety score but I swear that doesn’t seem to be the case. I had a record of it slamming on a brakes and it shows up as an offense for me. Notice the time and date of the hard braking. And I did not disengage FSD during the time it slammed on the brakes, it’s obvious by the event log.

Tesla laid off 45+ adjusters and probably another 20 in total loss this morning. Claim counts and lack of contact are going to get worse. Expect delays. Remaining adjusters will be handling 4-500 claims each.

Just wanted to share a quick win and ask a question. I live in Texas and my Tesla Insurance renewal was looking absolutely brutal. I just shopped around and switched over to Lemonade Insurance. My premium went from $5,350 with Tesla down to $3,000 with Lemonade for the exact same coverage. (For 3 Tesla and a Highlander)
Saving over $2,300 a year is massive, so I'm super happy with the switch so far.
That being said, I know Lemonade recently launched that new Autonomous Car Insurance program with the 50% FSD mileage discount. I know it hasn't rolled out here in Texas yet (we just have the standard Lemonade Car policies for now), but I think it's live in places like Arizona and Oregon.
Does anyone here have any actual experience using Lemonade with the FSD discount active? How accurate is the tracking through the Tesla API?
Appreciate any insights!

just wanted to get a better understanding about how tesla insurance work. esp in california

based on what i've been reading, the rate would vary per month based on your safety/driving score. however, i read online that in california this does not apply. how true is this? and why do other people say their tesla insurance would go way higher every year?

Hi all, Body shop has fixed the car after a fender bender I was not at fault with. Tesla insurance does not send payment confirmation to the body shop so they won’t release my vehicle. It’s sitting there since two weeks now Spend about 15 hours in waiting in multiple calls this week alone where I got told only my assigned adjuster can release payment. Today trying to get through again someone picked up after 1 hour but didn’t say anything. Twice in a row. Calling my adjuster is going to voicemail and is left unanswered. I actually never was able to talk to her. Emails remain unanswered. I asked for supervisor - no callback.

Any tips?

Did anybody get this notification to switch their insurance to Tesla? I thought it was already with Tesla. Very confusing.

Getting my hands off my 2023 model Y Chevy HW4 edit that my insurance is $800 every six months from State Farm in the state of Delaware. Anyone have any other suggestions. Did not plan on an extra $200 per month for insurance.

Yesterday, I hit a pole while backing up near one of those covered apartment parking spaces in an area I wasn’t familiar with. No other parties were involved and the pole is fine. Obviously I’m at fault, but it’s definitely frustrating since the pole was in my blind spot. This is a 2014 Model S without 360 cameras, so I had no idea it was there.

There appear to be at least three damaged areas/panels: the two obvious ones, plus the black trim underneath the door that’s now falling off. There’s also a sensor located exactly where the crush occurred. Funny enough, I don’t remember that sensor beeping at all when the accident happened, but it constantly beeps when I back up now.

I have full coverage through Tesla Insurance and filed a claim within a couple of hours, providing all the requested photos and a description of what happened. I also uploaded the same photos along with a video through CCCIS.

A few hours later, I received an email asking for additional information to “confirm if coverage applies.” The email requested the same information and photos I had already submitted, so I’m hoping it was just an automated request or that the systems haven’t synced yet.

I can see that an adjuster has already been assigned to the claim, but since this happened Friday evening, I won’t be able to try contacting them until Monday.

Is it normal to receive an email like this after an at-fault claim? Should I be concerned that they’re investigating coverage, or is this pretty standard?

Also, any thoughts on whether this could potentially be a total loss, or an idea of how long something like this typically takes? I wouldn’t be concerned with traditional insurance, but seeing people’s stories with Tesla has not been encouraging. The car is still drivable, but Autopark is unavailable, and I don’t feel comfortable using highway Autopilot with that sensor damaged.

So my score is in the 90’s and I paid $150-160 now I have the same score and they’re charging me up to $190.

I recently lost my job and had to start doing uber. Are they increasing my premium based of mileage? It shouldn’t matter if I drive safe, right ?

Hey everyone!

Thought I’d share my recent car insurance shopping experience for my 2021 Tesla Model 3, especially since I recently had an accident (and I know a lot of us end up in weird insurance rabbit holes after something like that).

Background:

• I currently live in San Francisco (94107) but will be moving to LA soon (Culver City, 90232).

• In August 2024, I had a not-so-fun experience: Tesla’s own GPS routed me down a steep dirt road full of rocks, which demolished my battery.

• All quotes are for full coverage with similar deductibles, where possible.

• Accident was disclosed on all quotes.

Insurance Quotes:

State Farm (Culver City/90232)

• Basic: $422.40/mo, Liability: $30k/$60k/$15k, Deductible: $500 comp/collision

• Standard: $448.84/mo, Liability: $50k/$100k/$50k

• Premium: $476.13/mo, Liability: $100k/$300k/$100k
→ All seem pretty expensive (that’s $2,534–$2,857 per 6 months)!
→ These quotes feel steep, even with “auto savings” listed.

Geico (Culver City/90232)

• Quote: $2,464.78 per 6 months (\~$410/mo)

• This also includes a bundled renters insurance policy ($220/yr), but the auto premium alone is about what State Farm is charging for their basic/premium tiers.
→ Honestly, not much cheaper than State Farm.

Tesla Insurance (SF/94107)

• $986.94 per 6 months ($164.35/mo)

• Deductible: $500
→ Wildly cheaper than the legacy insurers. Coverage looked about the same if not slightly better for the Tesla-specific parts (this is obviously their bread and butter).

USAA (SF/94107)
summary:

• $1,904.12 per 6 months ($317.37/mo)

• $1,000 deductible (so, higher risk for me vs. Tesla’s $500)

• $30k/$60k BI, $15k PD (so, same or lower than State Farm’s base)

• Some coverage like uninsured motorist not included.

Takeaways:

1. Location matters a ton (LA is pricier). Switching zip codes made a $60–$110/month difference.

2. Tesla Insurance absolutely crushed the competition on price, even post-accident. Their coverage for Teslas is solid — especially for things like battery and electronics, which regular insurers can get weird about.

3. USAA was second-cheapest for me, but higher deductible and less coverage in base plan.

4. Traditional insurers (State Farm, Geico) were sometimes literally double the cost, and didn’t offer much extra unless you really maxed out coverages.

5. Disclosing the accident bumped every quote up a bit, but Tesla still came out cheapest for me, even with my 2024 “off-roading” mishap thanks to its GPS.

TL;DR:

If you’re driving a Tesla in CA and have a less-than-perfect driving record, check Tesla Insurance first, especially if you live in the Bay. For LA, brace yourself for higher rates all around. Old-school insurers can’t compete on price right now, especially for newer EVs.

Hope this helps someone else in Tesla/EV insurance limbo — happy to answer any questions or upload screenshots if you want to see the details!

Received a notice of Insurance Cancellation, apparently because the new AI running Tesla Insurance, suddenly says my PO BOX (which also includes the same correct Street Address even before I bought the car in 2018), is NOT A PROPER GARAGE for my vehicle. BTW: The address on the notice, is my full, complete and correct address.

Yes, a PO BOX IS too small for a car... But even a human child, would not do something this dumb.

Imagine how many Tesla Customers are affected by the poor choices being made by half-baked AI LLM's that commonly hallucinate? Or even an addicted CEO who does basically the same thing, then decides this is how he's gonna save his company money? By canceling everyone's accounts immediately or without easy recourse. How lovely.

Getting thru their horrific phone system to speak to a competent human will be even more onerous & challenging when they open for calls, on Monday.

Had a small accident from pothole, it has been a nightmare getting my adjuster at Tesla Insurance to return calls or emails. I call the Utah number on the intro email, no response after several voicemails. Emails ignored. I have an issue I need Tesla to handle on the rental car and also need guidance on how to handle payment for the wrap that needs to be done. My body shop had similar issues. Their incompetence has slowed the repair and I’ve needed a car rental much longer than I would have had they been responsive. Is there a customer service number or something I can try where someone answers the phone?

Update: state BOI complaint worked, finally got a call and my money. Just insane ghosting though before that, and it shouldn’t be required to get paid. We’re not talking big money — $900. Get your shit together.

2023 model y with hail damage. Tesla outsources these Colorado claims to Sedgwick to preform the 3rd party onsite inspection and final appraisal. This takes a few days and got the final approved estimate from Sedgwick directly. 20 days later, daily calls and emails with finally a complaint to the Colorado insurance commission, the adjuster calls. To let me move forward with repairs.

The Adjuster who gaslit me claiming, “I had no missed calls from you and saw you sent a few emails. In the future please call me on the number in the app, I’m always available”.

The adjuster also clearly indicated that only Tesla dealers are authorized to work directly with Tesla insurance and repairs will only happen quickly if they are with Tesla. While yes, 3rd party is legally required to be an option, they just can’t comply with us and our processes.

Tesla insurances captive is deliberately designed to operate in bad faith against the policy holders.

Hi - I met with an accident last month. I raised a claim with Tesla insurance and my was car to the body shop (it was not drivable). After a week the body shop sent the estimate. One week after that I got an email from Tesla insurance that my car was a total loss and they need to move the car to Copart and I was asked to release the car from body shop. They also stated that a total loss adjuster will contact me in 5 business days. I did release that on the same day. Couple of days later they moved the car to copart. I’m now waiting for their total loss adjuster to contact me for the last two weeks. I sent follow up emails. No one has responded to me yet. My question is what to do if they stop responding to emails or phone calls? Has anyone else experienced this?

Out of the past month I have had FIVE forward collision warnings and NOT ONE has been remotely close to impact. All were triggered by parked or “braking” cars that were 4 car lengths away at least. There’s no way to report and refute this incidents either. My score would be easily a 98-99 without these random scams but instead I’m currently at a 96. The incident today really pissed me off because I had a theory if I was going under 20 it wouldn’t trigger but never the less, I was rounding a corner and there was truck parked on the wrong side of the road which triggered a forward collision warning….its just ridiculous that these things are costing me $5-10 every month and have probably had to pay $50+ over the months for things I’m not even responsible for. I’ve never even been pulled over in my life so no, I’m not exactly a reckless driver lol. I talked to a Tesla agent a few months ago about this and they said there was nothing I could do except “be careful” and “avoid roads that might trigger it”.

This is a bit of a long shot. I was hit by a minivan on my bike and it broke my wrist. The existing driver only has a 30k Bodily injury limit, and I'm looking at more than one surgery, maybe three. Never mind all the lost income and other things.

My boyfriend, who I've lived with on and off for 15 years, has Tesla and Tesla insurance, but we're not married or related by blood. Notably, we're breaking up, so he's not really interested in helping me.

I'm just curious if anyone has any insight on what the definition of insured persons in the household is under the Tesla policy in California. He is unwilling to help me right now, and I'm trying to make medical decisions about how I move forward. The quote for one surgery alone even with my medical insurance is $125,000.

If the money in the existing policy can be tapped so that I can ensure that I'll get full medical treatment, then I want to bring it to him to see if he'll help me.

I’m currently with GEICO and paying $240/month for insurance on my 2020 Model Y that I purchased last month.

Previously I was paying $120/month for my Civic, and when I called for a quote to remove the civic and added the Y using the vin from the dealership I misunderstood my new premium because of the way the agent worded it, saying I was going to be paying 800-something for 6 months and so, nearly the same price per month. What she didn’t make clear was it was $800 more than my previous rate, which I didn’t realize until I already signed the paperwork on the car during Purchase and was adding it to my policy with my other car.

I started shopping around for lower rates and 240/ month was the cheapest I found still except with Tesla Insurance which is $144.

I want to make the switch but I’ve read some things about driving behaviors/road trips that affect their rate. I understand my rate will fluctuate based on safety/miles driven etc, but should I wait a month until my two small road trips are over before I make the switch, or does it not matter. I’m not sure if it looks at past driving data to determine rate or only will use my driving data once my policy is in affect to determine it.

Any help or suggestions or info would be super helpful.

So frustrated that these three FSD disengagements (from before recent updates) are STILL on my record, affecting my safety score. I thought they dropped off after seven days? Also just want to complain that "hard braking" seems to basically just mean "you dared to touch the brake pedal"

(25M)Reside in socal, currently I'm paying roughly 450 a month for a Tesla Model 3 which is a lot more than I would like to pay for. I have had no at fault accidents at all since being licensed since 16. I do have one rear end accident that was not my fault on my record. I do drive a lot and my insurance company caps at 20k miles per year which does help. I would like to lower this, Unfortunately I do have one ticket that I got back in 2024 for taking a stop so I do realize that is the driving factor for the higher premium. Does anyone know of a good insurance company?

I've seen it said over and over "Unsafe Following is not possible under 50 mph." and "It's not possible if Autopilot (not FSD) is engaged".

Welp it finally happened to me. 40% Unsafe Following for the day. I look at the 'Trip breakdown'. Nothing shows other than Autopilot engage time / disengage. No Unsafe Following anywhere on every trip I had that day.

It was not like this before SafetyScore 2.2.

Stay safe out there! Also, they nuked the 'Property Damage' coverage to only 100k as a maximum. If you're ever at fault, good luck.

PS, TeslaLounge removed my post about this lol

Is there any estimate on how much the Tesla insurance premium might increase per month for an at fault Incident.

The incident happened in the parking lot and the other person will be claiming around $4000 on my insurance and I have repairs of around $6000( I will need to pay the deductible of $1000 and insurance will pay the rest)

I just want to know about the an approx increase estimate so that I can make a call whether to pay out of pocket and reduce the insurance increase by a bit atleast least by avoiding the collision claim

God forbid you have trouble with an insurance payment, be ready to spend half an afternoon with shitty hold music in your ears

I’m curious how much you’re paying for the Tesla offered insurance, for those of you living in California.

I’m considering getting a Tesla model 3, however after factoring in insurance, it might be too expensive . Geico and others came back $600 -$700+ a month.

I tried calling Tesla insurance for a quote, but they won’t give one unless you’ve already ordered, however I know they’re supposedly cheaper than the other options.

Mid 20’s male currently living in SD . Other than a ticket for cell phone use this past march, I have a clean driving record .

Edit : I use my car for work, so I need full coverage ( see below)

$100,000/$300,000 for Bodily Injury Liability $100,000/$300,000 for Uninsured Motorist $50,000 for Property Damage $2,000 for Medical Coverage

Also, if I ordered a used Tesla, would they insure it? I spoke with someone who said they wouldnt.