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Crazy Collision Cost Concern

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So, we backed into another car at 5mph. Original estimate from insurance appraiser was $6k. Took it to Tesla approved collision center. They open it up, revised estimate is, get this, $20k. Do I have any options here?
The insurance adjuster replied "Hidden damage under the bumper" and "To match the red three stage paint . I would speak to your certified Tesla repair center and they can explain the repair processes that Tesla requires to restore your vehicle to pre loss condition."

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