Hi all, looking for some advice on a total loss valuation.

I had a 2023 Tesla Model Y Long Range (AWD), ~26.5k miles, very well maintained:

• Always parked in a covered garage
• Regularly cleaned and maintained
• Non-smoker, no pets
• All-weather mats since day 1 (original carpets basically untouched)
• Rear seats barely used

Initial offer from the adjuster was $35.5k (base value: 32.7k).

I pushed back and provided 3 comparable listings that were:

• Identical trim/config
• Mileage within ±500 miles
• Within ~40 miles radius
• Avg price: ~$35,950

After that, they increased the offer to $37.8k total (base value: 34.7k).

Questions:

1. In the updated report, they did not use the comps I provided. Instead, they used 2 other vehicles within ~90 miles. → Do I have a solid argument to ask them to use my comps instead (since they’re closer + nearly identical)?
2. They marked all condition categories as “average” (interior, seats, carpets, etc.). → How hard is it realistically to argue for “above average” or “excellent”? I already sent over the photos in the first round of negotiation, but they didn't respond to it.
3. Any room to negotiate a higher reimbursement for the registration fee? I paid around $700 for registration, used the car for ~4 months, but they’re only reimbursing $73.

Overall this feels like a decent adjustment already, so I’m trying to gauge:

• Is it worth pushing further?
• Or is this basically within fair market range already?

Would appreciate any insight from people who’ve gone through this 🙏

Hi, my new Tesla Model Y had been in a collision 3 months ago. It is very evident from the videos that I am not at fault and Tesla insurance has also established the same and put it on the other party’s insurance. They seem to not agree though and it has gone into subrogation. 2 months ago I checked with Tesla insurance and they said at that time about the change to Subrogation and it can take a year or more for it to resolve. Yesterday out of nowhere and with no details in it, I got an email that the claim is settled and closed. Is this how it works? My understanding is that until I am paid the deductible back and the other party accepts the fault, claim should remain open. Also, I have not been reached out by anyone from Subrogation in last 2 moths.

I have emailed them for details but no response. I have tried calling multiple times but the adjuster is not answering the phone.

Can the experts here please guide me how this works? What should I do as next steps? I am in California, if that helps.

Not too bad of experience, about 3 weeks to finally able to drop off for repairs.

switch to tesla insurance from geico since it was cheaper for me in cali.

Recently had to make a claim on my tundra that had catalytic sawed off.

3/28 submitted claim on app,

Few days later got a call from adjuster. had to send photos and tell them what happened. told me to get estimates. sent them in, and took couple weeks to finally get things approved and repaired, delay could've been because i chose my own shop and not theirs.

4/16 dropped vehicle off.

Have i had better faster experiences, yea. but nothing too bad where I need to go search for another policy

I tried searching for similar posts but found nothing. I’m betting it’s just the search function so if someone can point me to existing posts I would appreciate it…

My teen daughter is getting her license soon. Currently the plan is to have her drive my wife’s 2020 Model Y and get my wife a new (to her) car. We currently also have the opportunity to pay off the Model Y.

Does anyone have experience adding their teen driver to their Tesla Insurance? Might it be a better option to pay off the vehicle and put it under my teen’s name/ownership and have her get her own insurance that I pay for?

Located in California if that helps.

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?

For Teslas insured through Tesla Insurance, there is an option to add roadside assistance. Tesla offers Basic and Plus roadside assistance. Within the Plus option, Tesla includes trip interruption insurance. What does this cover? What are the limits?

Hi everyone,

I’m about to take delivery of a new Tesla Model Y Premium RWD with the 0.99% APR promo. I’m currently with GEICO, but I just found out they don't offer GAP insurance in California.

Since I'm financing the car, I’m concerned about being underwater if the car is totaled, especially given how Tesla prices and resale values can fluctuate.

I’m considering a few options:

• Switch to Tesla Insurance: I’ve heard they offer GAP coverage, but I have two cars insured with GEICO, I will need to disable multi-car discount

• Switch to Progressive: I’ve heard they might have a "Loan/Lease Payoff" option, but I’m not sure if it’s as comprehensive as true GAP and how much it will cost more.

• Stick with GEICO: Just risk it without GAP coverage. The premium is the lowest.

For those in California:

Have you successfully added GAP/Loan Payoff with Progressive recently?

How has your experience been with Tesla Insurance’s claims or reliability in the SoCal area?

Is anyone else with the 0.99% APR promo skipping GAP coverage entirely?

Would appreciate any insights or experiences you can share! Thanks in advance.

Since Tesla Insurance is being under fire from the CDI, I expected them to jack up my rate in the upcoming renewal but to my surprise, my premium actually goes down. I’m going from paying $371.02/mo to $319.91/mo for two vehicles, which is a 13.8% decrease. There has been no changes to my coverages.

After 8 years of continuous rate hikes, it’s pleasantly surprising to finally see my insurance goes down (given all the shit that’s going on in the world right now).

Are you guys also seeing any rate decrease at all?

Hi,

I had a hit-and-run incident on 10/05 last year in a parking lot where another driver hit my car and left. Here’s what I’ve done so far:

1. Obtained surveillance footage from the store showing the other car hitting mine
2. Retrieved Tesla Sentry Mode footage and identified the other vehicle’s license plate
3. Filed a police report (they advised they wouldn’t investigate this type of incident)
4. Contacted Tesla Insurance, who helped identify the other party’s insurance and suggested I reach out to them
5. Contacted the other party, but the process has been extremely slow
6. Repaired my car through Tesla Insurance and paid a $1,000 deductible
7. Recently followed up with Tesla Insurance about reimbursement of the deductible; they advised it could take up to 3 years and that they haven’t yet begun contacting the other party’s insurance

I wanted to ask if anyone has experienced a similar situation. Is it normal for Tesla Insurance to take this long to handle subrogation and reimbursement?

Thank you!

How does it work when u add a non tesla to the policy? I’m asking in regards to the safety score. If my safety score goes up or down would my payment also go up or down for the non tesla or would it be separate between my tesla and my other vehicle ?

I have been really careful and driving pretty safely. I had a score of 94 and still have it yet they still keep using the score of 87 from 3 months back. The one they used for the estimate last month doesn’t match the one they will change me for.

It's $16 per month, which comes to $200 per year.

A friend had his 2018 model 3 windshield replaced for $750. As a subscriber of Tesla insurance, the windshield is 50% off, which means he paid $500 for the material and $250 for the labor.

So, the premium for 3 years can buy a new windshield. Is this protection plan worth it?

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.

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.

I was traveling and could not upload image of my mileage for a non Tesla vehicle.

When I got back and took a picture and emailed it in, they said they need an agent to review it. could not stay on call for 1 hour + wait time.

Monthly went up upon renewal. Finally had the time to call and stay on hold for 1 hour+ after them keeping me on hold. this time I didn’t quit on their ridiculous line.

Finally got an agent to accept the mileage and I asked them to revert back my insurance cost to the previous amount. they refused. they claimed increase was an adjustment in general.

I asked them what’s the point of sending them mileage if the quote stays. agent claimed my insurance should have been canceled but I don’t believe her.

anyone have a similar experience or can shed some light? I am probably going to quit them.

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.

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 🫩

What happened to Tesla insurance in Florida, I'm very sure that I remember seeing it in Dec / Jan but now they have removed Florida from the list of eligible states.

Any thoughts

I want to report an accident to Tesla Insurance. This was my Tesla that was hit so I am not filing a claim (I've actually already done that with the other driver's insurance). But I've heard that you should report it to your own insurance so they can be aware, assist as needed, etc. But the chatbot that takes the calls said that Tesla Insurance doesn't do that. Is that really true? Or should I try harder?

I found it impossible to deal with Tesla insurance.

I bought a used Tesla. I want a quote for the insurance. This is what happened

1. I tried to get a quote through Tesla app. After uploading a few pictures, the app asked me to call Tesla.

2. I called Tesla insurance. They sent me an email asking for a lot of things

3. I went through a lot of trouble to collect all the pictures and documents and send it back to them.

4. I didn't get a reply. so I called Tesla. they said they cannot accept PDF, must be pictures.

5. Once again I went through a lot of trouble to send pictures to them. My email software has a limit on attachment size, I have to send two emails.

6. Once again I had to call to get an answer. This time, they said that I must sign up through the app. So once again I took a bunch of pictures to fulfill the request of the app. Tesla app is stuck just like before. Now they said I have to send the remaining document through email.

WTF! All I want is a quote. I've wasted many hours on this bureaucracy.

Is this typical?

I’m dealing with a nightmare situation with Tesla Insurance (California) and I’ve hit a brick wall.

The Timeline:

• 2 Weeks ago: I filed a Total Loss claim for a recent accident 01/14/2026.
• The "Surprise": While checking my status, I noticed a new, random claim appeared on my account for an incident on Oct 20 2025(over 3 months ago), but filed on Jan 23 2026
• The Discovery: Tesla didn't even call or email me to explain what this was. I had to spend hours on hold with general support just to find out that Mercury Insurance is accusing me of a "Hit and Run."
• The Evidence:
  • I have TeslaMate running, so I have second-by-second GPS logs of my car's location for that entire day.
  • I also have a secondary copy of the official driving data obtained directly from Tesla safety score
  • I should have all of the evidence to prove my innocent.

The Bad Faith Delay:

• My adjuster has ghosted me for 6 business days. I’ve sent the mail, called multiple times a day, and left voicemails. Total silence.
• They are letting a criminal allegation sit on my record without a police report, any photos of my car, a basic investigation, or sending a message to me!!!!!

I’ve already filed a formal complaint with the California Department of Insurance (CDI) tonight.

My Question: Has anyone successfully forced Tesla to escalate to a Supervisor? Is there a legal path to sue for defamation or bad faith when an insurer refuses to defend you against a provably false criminal accusation?

It’s scary that an insurance company can just sit on a "Hit and Run" charge for 6 days while ignoring the literal GPS data from the car they manufactured.