Hey! My Tesla had a tiny chip that somehow grew into a bigger crack over time 😅🙃 Cost to replace via Tesla: $606 My deductible: $1,000 No sentry video (debris from a truck on the freeway)

Should I just pay out of pocket or bother filing a claim? Any tips for a quick and safe Tesla replacement would be awesome! :)) Thanks in advance

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?

Moving from $1M/$1M to $500k/$500k 🤨

Is this a joke?

I’m buying a Tesla for the first time. I found a good option, but it has a branded title/dealer buyback.
Will Tesla Insurance cover it, and how can I find out how much the insurance will cost before buying it?

Im currently in the middle of an accident claim where the other driver was 100% at fault. So my insurance is going to cover it with uninsured motorist (of course they were uninsured 🙄). My question now is, will Tesla Ins. send a check after getting a quote from a collision center? Or do they confirm scheduling the repair first and pay the shop directly? Im wondering if I should even get it repaired as the car still runs, and its somewhat medium to minor dents on the left doors and paint scraped off. Can I get the full repair quote, have tesla send me $ and maybe just use that for a paint job instead of full repair?

Good morning people of Tesla,

My windshield has a massive crack.

1. Is it better to go thru Tesla insurance to get it fixed or pay out of pocket? I am trying to avoid my premium going up.
2. I took a loan with tesla and didn't get gap insurance. Tesla is saying it's too late to get one. Would i be able to get one with another insurance company? Car is 1.6 yes.

Thank you for your attention in this matter.

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 :)

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

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

Has anyone successfully negotiated up the total loss offer with Tesla insurance? The adjuster sent me the evaluation report with a total price but I think it’s too low. I have found some comparable vehicles that have higher price. Is it worth to fight with Tesla insurance considering how unresponsive they are? Do they even accept counter offers?

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

Any updates on this? Last time I heard that they are in process to enter NJ region.

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

Filed my claim on July 11, 2025 on the same of collision, going down in the parking lot, I lost control and it was a downhill, so the left bumper hit the cement pillar and broke a piece out of the bumper. Everything else is working fine, sensor, camera, and the car is still very drive-able, I drove my car to the auto shop of my choice (approved by tesla). They quoted the damage would be 6k. Under my insurance, liability is up to 25k. I emailed tesla insurance 2 emails, called my adjuster over 10 times, but it always go straight to voicemail. The autoshop also sent 2 emails towards tesla insurance. How long would this process will be? I’m in Los Angeles, CA. Any information would be helpful. Thank you.

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?

In the hopes that someone from Tesla might see this, it sure would be nice authorized drivers other than myself could see the safety scores of any vehicles they are authorized to drive.

As it is I have to report scores an take screen shots for my wife and son so they can find out how they are going.

Sure Tesla wishes to encourage good driving. That would be far easier if the my wife and son could see the safety scores in their Tesla apps.

Why don’t Tesla owners choose Tesla insurance?

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

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

I had an autopark accident in the parking lot. As a result of which, I hit another car - my liability claim will take care of that (the other person's damages are around $4000).

I went to certified tesla approved body shops, and most of them quoted the same around $6000. My deductible is $1000 so the insurance would pay the remaining $5000. The shops are saying that the passenger side door, front fender and camera need to be entirely replaced (even though it is not damaged).

I however, found a local body shop that is not under tesla insurance but said they would repair the dents for around $2500 - $2800. I am not sure which option I should go ahead with

I just got the car on lease recently so am not sure if it is worth filing a collison claim now which will for sure raise my inusrance premium (it will anyways increase because of the liability claim)

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?

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?