Lots of logical people carry much higher deductibles (I carry $2,500), and any claim will cause your rates to go up. Filing a claim for $20K will absolutely cost you $4K+ over the years. So it can still make sense to deal with it in a cheaper way. Repairs to parts are done all the time- it's not like if a body panel gets dented that they replace the whole unibody of the car, so if there is a solid fix for this broken plastic nipple that doesn't cost $20K, it's pretty reasonable to do.
There is some solid irony here that Tesla insurance will pay for this if they do go to insurance
Why would I carry a higher deductible? That’s what’s not logical.
For us, the difference between a $500 and $1000 deductible was about $20/year.
So if I have so much as one claim every 25 years, I come out ahead with the lower deductible.
I can say unequivocally that’s already happened.
Filed a $21,000 claim 2 years ago. My rates didn’t go up one nickel.
So there’s some logic for you.
Here’s my last 6 month renewal. Model 3 is $371.51/6 months, and Model X is $490.31/6 months. How much, really, would a high deductible save me?