Of course both of those things matter to the insurance company, it is money that they have to pay out. Let's say that the car was valued at $100k and was in an accident. Repair estimate came in at $60k. It took 4 months to repair, and final repair costs totaled $80k.
So now the at-fault insurance company needs to pay:
- $80k for repairs.
- 120 days of a rental, say $60/day = $7,500 (This could easily be $200/day, or more, if the person forces the option of a like electric vehicle.)
- DV: Car is now only worth $75k, so DV payment is $25k
- Body shop vehicle storage fees: $20/day = $2,400
So the grand total is $105k. They could have totaled the car and saved themselves $5k of payments, as well as all of the staff time involved in supporting the claim.
Now if the person owning the Tesla is at-fault, they likely can't get a DV payment, and have limited rental coverage so that would be different.