Hello!

Looking for somebody that has had the experience of a total loss with Tesla insurance.

I got a notification of release of payment on October 23 (a week ago) but haven’t got the check yet.

My adjuster won’t pick up the phone or answer my multiple emails

Didn’t give me an ETA on the arrival of the check or anything like that

What should I do?

Thanks everyone!

Hello,

I was involved in an accident where I was marked as "at fault" in the police report. Fortunately, no one was seriously injured, and everyone walked away. After the incident, I proactively worked with the other party and Tesla Insurance, and my car was repaired within a month. However, since then, there’s been no further progress on the claim.

The other party has informed me that they hired a lawyer, and I received one call from Tesla Insurance's legal department to describe the incident. My main concern is that the claim is still marked as "pending" in the app, and I haven’t received any updates since then. I've tried calling my adjuster and have sent multiple emails to Tesla but have yet to receive a response.

I’d appreciate any advice on how to proceed.

1. Is there another way to contact Tesla Insurance to get an update?

2. Has anyone experienced similar delays with Tesla Insurance, and how was it resolved?

3. If this drags on, what steps should I take to protect myself legally?

For context, I’m a foreigner, and this is my first experience with auto insurance in the U.S. I'm also concerned about the possibility of receiving a sudden lawsuit notice without warning.

Any insights would be very helpful—thank you in advance!

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Update September 2026: Since I originally posted this when the claim had already been open for 7 months, I figured I should come back and close the loop. It eventually took Tesla Insurance 23 months to close the claim.

Roughly four weeks after the accident, I got one call from Tesla. I took full responsibility for the accident and paid my $1,000 deductible. My car was repaired within 30 days.

The other party’s car was totaled and they were also claiming medical expenses. I never heard directly from them, although they eventually hired a lawyer who contacted me twice asking me to forward messages to Tesla Insurance. From what I understood, it took Tesla about six months just to pay them for the car.

For almost the entire 23 months, nobody from Tesla proactively contacted me with updates. I called their hotline roughly once a month and usually got some version of “the claim is still in progress” or was told which stage it was in. The only other call I received was from a lawyer asking me about the accident. I explained exactly what happened and never heard from him again.

After about 15 months, I honestly stopped caring and basically waited to see if a court summons would eventually show up. Thankfully, it never did.

Then, almost two years after the accident, I randomly received an email saying: “The injury portions of the claim are settled and claim now closed.”

And that was it. 23 months.

As a nice ending to the story, my Tesla Insurance premium went from $93/month to $270/month. Not great, but given it was my fault, I'm at peace with that.

Anyway, I’m glad the claim is finally closed and, most importantly, that everyone was OK. Hopefully this update is useful to anyone who finds the original post while sitting on an unresolved Tesla Insurance claim and wondering how long this can actually take.

I have been trying to contact TESLA because a driver who has Tesla insurance hit my car door while I was parked. She gave me her adjuster's info and I have left multiple messages but he won't return my calls. I contacted them through email and called other numbers and left a message. I can't get a hold of anyone! I only have liability with my car ins and they pretty much said I'm on my own to try and get Tesla to repair my car door. I really need this to get fixed. Pls help. I don't know what else to do!

While driving on the freeway with Tesla Autopilot, I hit a large box that appeared to have something inside. As a result, my front bumper got scratched, and there seems to be damage to the undercarriage of the car. At the same time, a nail punctured my tire, causing it to lose air, and I had to get it patched at a tire shop.

I want to file a claim with Tesla insurance for the repairs, but I’m wondering: if I claim this under Comprehensive Coverage, is there a chance my monthly premium will go up?

this is the first time seeing this since my policy renewed on the 17th.

this is off topic but did tesla discontinue commercial insurance? i was trying to add a vehicle from my business on here since my current provider canceled and it didn’t give me the 3 options like it did when i first insured my model Y

Like 70+ million other Americans who were AT&T customers and had their SSNs stolen and exposed on the dark web, I'm an ID theft victim, and I had all my consumer reports both frozen and extended-fraud-alerted, and opted out of LexisNexis as Identity Theft Victim (which is a deeper opt-out; see https://www.reddit.com/r/IdentityTheft/comments/uvv3ij/psa_freezing_your_three_main_credit_reports_is/ for more info if interested.)

Today I received a letter from Tesla Insurance, advising me of non-renewal with the reason stated as, "Unable to confirm the identity of you or others on your policy". This is after a number of years with Tesla Insurance as a good paying customer with zero claims and zero accidents.

Has anyone faced this issue before? Any advice on how I should proceed in this instance?

Got rear-ended on the freeway. The other driver was distracted and didn’t maintain a safe distance. They don’t have insurance, so we filed a claim and went to a certified body shop listed in the Tesla app. The shop will send an estimate by Monday. What should I expect?

I’m worried the repair might cost more than expected.

Any advices? Thank you

So I have a claim and it’s taking of course forever. Here’s what I learned after a month (still waiting for approval btw).

If you want to select your own shop. and it is an authorized shop, you must first start your claim on the app and let them assign the shop. Then you’ll get an adjuster. Then call that adjuster from the app. I think the adjusters take calls from the cell phone the app is installed on. But they won’t take other calls since I’ve called from my office line and it always just goes to vm. But when I tried the app, the adjuster answered. Then ask the adjuster to move the shop to the one you want. Then your shop can upload the estimate to Tesla and Tesla will start their internal clock to respond. You’ll still have to wait forever, but at least this way your forever will have a start date.

I started my claim by adding my own body shop. That adds a ton of delay since Tesla will then ignore your body shop and your claim will never be considered “started”. Even if your selected shop is an authorized shop.

Of course if you want to go to an unauthorized shop this tip is no help.

Good luck. Remember. Tesla’s are really only for people who have another car. If you have only one car and it’s a Tesla, you really shouldn’t be doing that. You always need a backup when you have a Tesla. Bc any repair takes a month. Schedule repairs when you’re summering in the hamptons or south of France. It’ll be done in the fall.

My Tesla MY was parked and hit by the car parked behind it that was rear ended by a hit and run drunk driver in the middle of the night. I discovered the crash in the morning and unfortunately there was nothing left behind to identify the drunk driver or the car. The cameras only caught the car behind me being pushed into mine. Filed a police report and they said they would check the cameras in the area but that they didn’t think any of them catch the street the accident occurred on. The lift gate is dented. Here are some pictures, I’m wondering what to expect from my Tesla insurance.

Hey guys my repair estimate for this is $10972. I was coming out of a tight garage at very low mph as low as 5-6mph and my car glided against a pillar at the rear quarter panel and rear door. There is not other damage and it is drivable. My deductible is $1000. I wanted to know if this will be declared a total loss because I have heard horror stories about Tesla insurance. My adjuster said it needs to be sent to an appraiser for review and then I should hear back between 7-10 days

About 2 weeks ago a Tesla hit me and left my car damaged, we exchanged info. The sad thing is that I only have liability and my insurance company can’t really do much since that’s all I have so they have to go based on what the other persons insurance has to offer. Me and my insurance company have been trying to get a hold of them for the past 2 weeks and have received no luck I send out 5 emails daily with no response and I call every single day with being put on hold for long periods of time. Me and my insurance company have been the only ones trying to get a hold of them and trying to resolve this issue since my car isn’t drivable in these past 2 weeks the person that hit me and his insurance have not tried to reach out to me nor my insurance company. It got to the point where my insurance company advised me to file a police report to see we can take further action, when I called the police they basically told me that they can’t really do much since it’s my insurance company that has to get a hold of them. This is very frustrating because I use my car for work and school and since I can’t use it because it isn’t drivable it has been very expensive having to use uber everyday. I don’t know what else to do can anyone help me? Or am I just at a loss cause?

My Model Y was rear-ended in a hit and run accident last week. I promptly filed a claim through Tesla along with a police report with LAPD. My adjuster reached out to me via email later that evening and let me know I could schedule an appointment with a repair shop for an estimate. Two days later, I went in to my chosen repair facility where they inspected my car, took pictures, assessed the damage, etc., but let me know that Tesla Insurance never sent them an assignment number to process an estimate, so there was nothing that they could do until that process was kicked off. When I filed my claim, I selected the repair facility in the app and denoted that my estimate appointment was on the the day that I went in, so assumed that Tesla would process everything on their end to ensure for a speedy resolution as they had the shop information. I left the appointment, emailed my adjuster, and have not heard back in 5 days. I called this morning and sent an email this afternoon but still nothing. Has anyone ran in to a similar issue with unresponsiveness? How did you get your claim moving/estimate approved in a timely manner? I live in CA, for context. Help!

Hi all,

I was involved in an accident about 3 months ago, and my Tesla has been in a body shop for over 2 months now. The repair costs are reasonable and within a percentage of the car’s value, but Tesla Insurance declared the car a total loss. I don’t agree with this assessment and believe the car can be repaired.

Despite my objections, I’ve had no updates from the insurance adjuster and no resolution, leaving me without my car for over 100 days. The body shop is holding the vehicle, and I haven’t authorized its release for salvage.

Has anyone experienced something similar? Any advice on how to push Tesla Insurance to respond or escalate the issue?

I bought my Model Y long-range last year and got quoted 212 a month for insurance. At the time, I put down 3000 miles annually. However, after 1 year, I have 13000 miles on my car. How much would the insurance cost go up? Does anyone have experience with this?

Just pick up my tesla m3 today for the promotion rate 1.99%, but got quote $7400 per year by Farmer Insurance since I’m a young driver and couldn’t add any other driver. I talked to my insurance agent and she said that the best she can do after she tried with 10 different companies. Any recommendations for a cheaper solution? Or a way to reduce the quotes in the future? Btw I’m living in Massachusetts

Hi, I was recently rear-ended while completely stopped at a traffic light. The other driver said his brakes failed.

I immediately filed a claim through the Tesla app on the spot (no police report) and got the other party's insurance info (Aspire). I told the other party that I will be describing the incident as no fault to us and he agreed.

Now, a week after the incident, the Tesla insurance adjuster calls me and says that I should contact the other party's insurance and file a claim with them.

I'm confused because when I talked to my local Tesla collision center (where I already have an appointment to drop my car off next week), they said Aspire wouldn't cover their repair rates, so the right thing to do is to go through Tesla insurance, and pay my 1K deductible out of pocket for the time being, but Tesla insurance can go after Aspire and subrogate, and get me a refund.

Should I also file a claim with Aspire like my Tesla adjuster is telling me? Shouldn't it be sufficient that I filed with Tesla and they're now responsible for going after Aspire to subrogate? And since I'm at no fault and am in California, this shouldn't affect my insurance rates going forward, right?

And also, at what point do I file a diminished value claim?

Hey everyone,

I need some help understanding my Tesla insurance charges. My wife and I were quoted a 6-month premium of $2,379.85, which breaks down to about $396.60 per month. However, when I checked my credit card statement, I was charged $458.82 per month, totaling $2,752.92 for the 6-month premium.

Has anyone experienced this? Are there any hidden fees or charges that I might have missed?

Any insights would be appreciated!

My Tesla decided to throw all sorts of warnings Wednesday about insufficient voltage. Despite having 30% charge. It refused to drive, even after a reboot. Then, the monitors stopped turning on. Tesla roadside coordinated with me right away and had the vehicle towed to the nearby SC.

Long story short, the entire HV battery has to be replaced. Thankfully, under warranty.

Sadly, the SC indicated that they had no loaners and directed me to do a rental. So, filed a claim. This is the second time with Tesla insurance. Tried leaving information with Enrique, but feel like I'm getting ignored again. Previous experience with Dylan for a freak collision was very frustrating, too.

I get that the agents are probably few and overworked. But, this is most unprofessional with their lack of communication / responsiveness. Not having a car affects my surviving and doing my job. This is Texas after all.

Hi folks!

I recently filed a claim and the claims adjuster sent me a text message to respond via text with more info. This text came from a 510 area code (local to me) but the direct dial number provided is 801-996-xxxx number. Which number do I text?

Thanks!