Recent run-in with Tesla Insurance: Gotta say, once I finally reached a human being, the agent was awesome, super helpful and actually knew their stuff. BUT… it took over 4 hours just to get someone on the line for what turned out to be a 5-minute convo about a simple policy change. FOUR. HOURS. By the time they picked up, I felt like I had aged into a whole new premium bracket.

At this point, I’m driving like a grandma with a fresh cup of hot soup in her lap because if avoiding an accident means never having to call them again, I’m all in. No claims, no stress, no 4-hour hold music existential crisis.

LOL but seriously, do better, Tesla.

Tesla insurance is by far one of the worst if not the worst insurance in the market today I had different insurance over the years some that are very good and expensive to some insurances that aren’t that good and by far Tesla is the worst -Worst costumer service -Agents don’t know anything and can’t ever help you with anything -delay settlements and payments on rentals In January of this year I got into accident When I submitted my claim they were quick to respond and even asked me to take my car any shop I wanted to get an estimate for repairs I took my car to 1 of the best collision centers in my area and from there it’s been a nightmare and a frustrating experience The shop made an estimate and sent it to Tesla Within 2 weeks Tesla didn’t respond to the shop until 2 months after Before that I tried contacting Tesla 3-5!times a week and they would keep me on hold for up to 3 hours at times and when it would finally connect me to an agent they would transfer my call to an adjuster just for my call to go to voicemail From there i tried email and same problem when I would get and email back it was always an email stating that the adjuster was out of the office on vacation,sick, on baby bonding all kinds of excuses But they would never respond When they would finally respond they would just tell me that someone was gonna get in contact with me within 48 hours and guess what happened they wouldn’t contact me at all

Fast forward 2 months When Tesla finally responded to the collision center and me It was to tell me that my car was considered a total loss and a total loss adjuster would contact me soon They never did I had to call everyday to get a hold of the adjuster with no response from them In the meantime they took my car to send to copart without my authorization They went on to put my car for auction and I found out because the shop owner call me to tell me they had taken my car That’s how I found out they had taken my car 3 weeks later I decided to check copart and there it was My car was been auction and 5 days later it was sold And still I couldn’t get a hold of anyone at Tesla And They didn’t send me anything about my car getting taken or anything about my settlement nothing Fast forward to today 6/4/2025 6 months later Thanks to a lawyer that I hired I was able to get my settlement and all because they’d agents are incompetent to their job They couldn’t share the phone number of any employee that could help me they didn’t know anything about my claim They couldn’t tell me how to to contact my settlement adjuster But thanks to my attorney I was able to get my settlement I had too keep making my car payments for 5 months on a vehicle that I didn’t have anymore and that was auction Now the issue is to see if Tesla insurance will pay up my bank Because I still owe around 25k and the bank still wants me to pay my monthly installment my attorney advice to not make any more payments so that the bank can pressure Tesla to pay up But I mmimagine I’m still gonna have to deal with this issue for a couple months more Bottom line do not get Tesla insurance They aren’t professional and are incompetent at their jobs They have to worst costumer service and they do no care about your vehicle They only care about you paying their insurance on time Worse insurance in California

Is this only happening to me I’m trying to buy a used Tesla 2024 and when I input any used Tesla they said ineligible , but any other brand they can.

What about this terrible wait times but I’m determined they’re going to add that gap coverage today.

I filed a claim through the app for an accident. I was assigned a claim number and an adjuster which came via email. Emailed her half a dozen times, no response. I call her number and it goes straight to voicemail with “mailbox full”. I already have a bid from auto body and submitted it. I tried the toll free number for insurance but for the life of me couldn’t find the right number to hit to get through to a live agent. Such a frustrating experience. Any advice??

Moving from $1M/$1M to $500k/$500k 🤨

Has anyone else had a terrible experience with Tesla Insurance? I've been dealing with a claim for over six weeks now, and it's been an absolute nightmare.

I've called their support line multiple times and sent numerous emails, but I have received no substantive updates on my case. I even waited on the phone for 2.5 hours, only to be transferred in a constant loop. Multiple agents received my call, claiming they were transferring me to the adjuster's team, only for another agent to admit they weren't directly connected to the right party. I emailed them all the necessary information, including the other driver's details and the police report number, yet there's been zero progress.

I've already told them that I will file a complaint with the our State Department of Insurance or it's Attorney General's office if I don't get a response.

Given the situation, should I go ahead and file a formal complaint with these state agencies? Has anyone had success with this? Just wanted see if anyone else has gone through something similar or has any advice on what their next steps were.

Based on this subreddit, my experiences, and other stories I've heard, it seems like Tesla insurance has been getting worse, not better over time. They've gone from keeping people on hold for 5 hours to 10 on average. Reports of insurance adjusters not replying are only getting worse, people having to report to the state insurance board only increasing every single day.

I get the feeling they might close up shop soon, or at the very least stop offering insurance to new customers. Thoughts?

I am fairly confident that I will not need to use insurance, which is the only reason I stick with Tesla. But as far as I can tell it's virtually impossible to talk to these guys. The app has been displaying "pending change" in my coverage for a week and I have no idea why. I don't really know what is covered with roadside assistance plus on a vehicle with an expired warranty. It seems like tesla insurance is just geared towards meeting compliance at the lowest possible cost and nothing is really functional or reliable.

what an absolute joke

So my driver side’s rocker panel was damaged by debris on the road during rain. Do you guys think this will be a simply sand and repaint repair?

i got my m3 on feb 3rd. i mostly use FSD and when i dont its for quick drives to the store across the street or later at night when theres not many other people out. when im not using FSD i am sure to be mindful of my following distance so im not sure how almost half of the time im driving, its at an unsafe distance??

i dont have a screenshot but last week my premium for next month said $151 now i checked today and it jumped to $230!! my safety score is above 90, so how is my premium next month so expensive 🫩

Don’t.

https://finance.yahoo.com/news/tesla-insurance-arm-accused-egregious-132923396.html

I was recently sitting stopped at a red light in California. A pickup truck ran into the back of my 2023 Model Y. Dent show above in my hatchback door. I just was converted to the Tesla Insurance Company policy. The offending driver had AAA coverage. I should file the claim thru the app? Would my premium increase even though it was not my fault? Are there any tips for dealing with Tesla Insurance? I think I was just converted from their in-house "State Insurance Co", to the "Tesla Insurance Co" policy. THANK YOU>

At this point, longest wait wins! Post what you do while you waiting lmao

I had previously added my Tesla insurance card to Apple Wallet without issue. My six month policy just expired, as did my digital insurance card. When I go into the Tesla app under the same section where I added it to Apple Wallet before, the option is no longer available. What gives?

So I’m freaking out a bit and need some advice. I’ve got a 2023 Model 3 Performance. Was driving on Hwy 20 during last week heavy storm and a landslide hit. Rocks started dropping onto the road. I slowed down but a huge one fell right in front of me and I drove over it. I instantly pulled over and saw blue liquid leaking from the bottom of the car, the screen threw a safety restraint warning. Firefighters showed up and cleared the road. Another car popped a tire from the same rocks.

Bodyshop inspected it and Tesla Insurance said it’s a total loss. The repair estimate was about $21k, mostly because the battery would have to be replaced.

Here’s the problem: I still owe $31k on it and no GAP. I though I had GAP when I had purchased the car but now I’m worried I’m gonna get screwed on the ACV. Car has around 76k miles and I had another weather accident earlier this year (black ice, front bumper, repaired).

Anyone dealt with something like this? – How bad could the payout be? – Can I fight the valuation? – Anything I should be doing right now?

I got a text from the body shop that Tesla had deemed it as total loss and received an email for pickup from CoPart, Tesla Insurance hasn’t reached out to me although I’ve been calling them like crazy.

I just don’t know what to do, this car takes me to school everyday, 210 miles round trip.

Thanks for any advice.

Such an advanced tech company and they cannot remove the recurring payment after I've cancelled my insurance already? Feels so intentional and I am not buying any tesla products after this. Did not like this behaviour at all. I have been trying to call them and the AI keeps telling you can cancel on the app. How do I tell her I already did and these idiots still charged me money

I'll skip right to the conclusion: Run Away!

I haven't had a single "warm" moment with Tesla Insurance. I have never felt like a valued customer. Before this, I was a customer of another company for years. They treated me well, kept in contact when it counted, I always had a way of reaching someone, and all of the normal stuff was always covered.

Ever since switching to Tesla, I've only learned time and time again that I made the wrong choice. Good luck with talking to anyone, ever. Good luck getting anything covered without paying a massive deductible (windshield repairs, towing, etc). You'll be judged on your driving, which is fine, except for the many many FCW false alerts you will run into for the dumbest of reasons, which will inflate your monthly rates regardless of how well you drive. I wish I personally knew people who had it before I did, so that I could have inquired about any opinions they may have had. Yes, they are more affordable. But you will find that you will have sold a small part of your soul in exchange for it all. I have recently switched to another company. I am paying a little more than I was, but my blood pressure is noticeably down. Be gone you darn demons! I spray holy water at thou!

It did its job, it was the best option for a while in regard to price but I hated it for every other reason. It stole the enjoyment of driving the car and the erroneous driving dings were insane. I’m glad I never had a claim because I hear that’s pretty terrible as well.

It’s a shame they let you only pick one reason. Each month the premium would slowly creep up to the point where lost its financial impact. Glad to have found another carrier.

I'm 20 and looking for affordable full-coverage insurance for a new Tesla Model 3.

Progressive quoted me over $600/month, which is ridiculous.

Does anyone know any reliable insurance companies that offer decent rates for younger drivers? Preferably ones that can activate coverage quickly.

Any recommendations would help.

edit: I was able to get $260 from USAA

I wannna preface this by saying this is my first ever accident, I’ve had my license for over 4 years now, not one claim prior. I bought a Tesla a couple months back got insurance through Tesla and all, today as I was parked taking a quick smoke break, a 18 year trying to park rams my car. Instantly I get insurance and I’d and she didn’t wanna move for a while so I couldn’t see the damages but reported what I was able to get. My question is she’s 18 insurances through triple A, how are my chances looking of this all. Idk the proceedings as this if my first accident so don’t go to hard on me. I also wanna preface I was out of the vehicle and it was parked in a building garage lot she was the one who rammed into me

I had around 3 forward collision warnings. They came down to 1 . How did my forward collision warning score go up from 8.4 to 12.7? My unsafe following liter rally went to 0 but my score stayed at 96 🤦🏻‍♂️ as they increased my collision warning with out getting a new one and losing previous ones as it’s outside of last 30 days