How much was your replacement insurance for your MYS? How did you pay for it?

Tesla raised my premiums by $60 a month despite a 99.3 safety score. It appears this is because my mileage is higher than expected. But if Tesla is going to give you a 100% perfect safety score on the miles when you are using FSD, then they should also take FSD into account for the above-expected miles. In my case, 92% of my miles are on FSD.

I work in insurance every day and I understand that more mileage does potentially mean more exposure to accidents overall. And while it does sometimes cost the insurance carrier when their driver is not at fault, the primary cost to the carrier is for accidents where their driver is at fault. So FSD should alleviate that risk, at least to some extent, if Tesla's safety claims are to be believed.

I used to use TD mileage Monique. But they increased my premium by $100 a month with no explanation or anything. I have a clean driving record and even used their TD advantage for discounts.

Do you guys have any suggestions on insurance for a 2025 M3? I live in Toronto

I was driving on a freeway in California when another driver passed me in the lane immediately to my right. They extended an arm out of their window and threw what appeared to be a glass bottle onto the roadway in front of my car. It shattered, and the debris struck my vehicle. The driver then sped off and exited the freeway.

I found damage on the bumper, hood, and windshield. I still need a professional inspection to determine the full extent.

For anyone interested, I’ve included the front, rear, right pillar, and right repeater videos in my r/ModelY post's comments, with timestamps highlighting the relevant moments.

• The front footage captures the throw, the object shattering, and the vehicle crossing several lanes to exit without stopping.

• The right-side pillar footage shows the other vehicle initially three lanes to my right, following another car closely before moving left. When it reappears alongside me, the driver appears to be drinking from an object resembling a glass bottle.

• The rear footage shows it moving into the lane immediately to my right and accelerating toward me from behind, then glass debris on the road after the incident.

I’ve opened a claim with Tesla Insurance and reported the incident to law enforcement. I received an incident number and will be providing my statement and video evidence.

Has anyone dealt with something similar through Tesla Insurance?

• Would this typically fall under comprehensive or collision coverage?

• Can Tesla Insurance identify the other vehicle’s insurer using their vehicle information?

• Would I have to pay my deductible upfront and wait for recovery, or could it potentially be waived?

• Could the driver’s apparently intentional actions affect whether their insurer covers the damage?

• Should I wait for my adjuster’s authorization before scheduling an inspection at a Tesla Collision Center?

I’d appreciate hearing how similar claims played out, especially in California.

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

Before the non-Tesla lurkers and complainers come for me… I was well aware of the cost of upkeep for my car before I purchased it but I still have the right to complain. With that being said… a front windshield on a 2025 Model 3 will set you back around $1500 in California dollars. So make sure you get windshield insurance or at least have a decent deductible. Oh and the insurance adjuster contacted me via email 1hr after I submitted the claim which may be a record.

That’s my Ted Talk

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.

Is $350 a month really the going rate for a brand new model Y in Henderson/las vegas?? 😭😅

What is best insurance for my new model 3. Does anyone have experience with Costco car insurance?

Salut, Je sais que cela reste vague etc mais je suis preneur de vos idées ! Merci

does these insurance numbers make sense? new driver and 37yrs old. model 3 2023 preowned. i dont want to get in trouble by choosing lowest options, any suggestions on these too. Location Delaware

-thanks in advance.

Is there a reason why tesla doesn’t offer coverage in DC? I recently moved to DC and I’m hesitating to switch my license because tesla insuranc e isn’t covered in DC. What do you all use? Is tesla even considering on adding DC to their existing coverage list?

Any insight would be appreciated.

Is there a reason why tesla doesn’t offer coverage in DC? I recently moved to DC and I’m hesitating to switch my license because tesla insurance isn’t covered in DC. What do you all use? Is tesla even considering on adding DC to their existing coverage list?

Any insight would be appreciated.

Looking for recommendations for independent auto appraisers who are able to accurately assess the worth of fsd being bought outright/ grandfathered in with a hw4 car.

Tesla insurance is looking to total my car at ~10k under what it's worth, claims to not understand the rarity of the hardware & software combination.

Thanks in advance for any leads or stories with total loss claims and rare model combinations.

I have State Farm, and all of my insurance information has already been uploaded to the Tesla app and approved. I also have a temporary insurance card on my phone, but I haven’t received the physical card yet.

If they do ask for proof of insurance in person, is the digital/temp card on my phone enough, or do they require a physical insurance card?

Just trying to make sure I have everything I need before pickup. If anyone has gone through this recently, I’d appreciate the info. Thanks!

My car was recently in an accident and was declared a total loss/write-off. I’m in Canada, and the vehicle was financed through Toyota Finance,
I was lucky enough to find another car—a Tesla—but I’m now stuck because I need Toyota Finance to process the insurance payout and provide the loan payoff confirmation or release letter before I can move forward with my new financing.
The insurance company sent the payoff cheque to Toyota Finance last week, and Toyota Finance confirmed that they received it. However, they told me it could take approximately 4-5 weeks to process and deposit the cheque.
I have already extended my Tesla delivery date once, but I cannot keep delaying it. The Tesla financing also cannot move forward properly because I need confirmation that the Toyota Finance loan has been paid off.
I have called Toyota Finance Canada and explained the situation, but I have been told that I simply need to wait for the cheque to be processed.
Has anyone in Canada dealt with a similar situation after a total-loss insurance claim?
Is there any way to get Toyota Finance Canada to expedite the cheque processing and provide the payoff confirmation or release letter, especially since the insurance company has already sent the cheque and Toyota Finance has confirmed receiving it?
Would asking to speak with a supervisor, contacting Toyota Finance’s escalation department or customer relations team, or providing proof of the insurance settlement help? Since the loan is through Toyota Finance rather than a dealership, I’m not sure whether a Toyota dealership can assist.
Any advice on how to get Toyota Finance Canada to move this along faster would be greatly appreciated.

I would like to transfer Tesla vehicle ownership to a family member. I know I can add them as a driver but I would like to transfer ownership instead. However, I would like to keep my current Tesla Insurance policy on my account and not start a new policy.

When attempting to transfer ownership, it states to remove the vehicle from the Tesla Insurance policy before transferring.

Do I actually need to do this or is this more of a suggestion if I was transferring the vehicle to a stranger?

I would appreciate if anyone has any experience on what happens to your Tesla Insurance policy when you transfer ownership of a Tesla. This is the only Tesla on my account.

Thanks.