A year ago my Performance Model 3 was damaged in an accident five days after I took delivery. The car was from Miami, Florida and the accident happened in New Brunswick. FWIW, the other driver was from Quebec and my car was driven by an Australian. My carrier, Progressive was exceedingly helpful. In the end I droive the car with all its damage back to Miami (long story, but Progressive paid for temporary repairs. At the time there was no body shop within a days driving distance that could repair the damage.
Due to the odd insurance treaty between Quebec and my jurisdiction Progressive paid the entire claim despite transparent documentation that the other driver was clearly at fault with documentation handily provided by the Quebec policemen who was following the culprit at the time.
Progressive paid the entire claim with zero deductible and , at their initiative, paid a diminished value claim of $6,000. Further, my insurance we to be renewed the following month in which I had a reduced premium and another year of 'no claims' benefit. Just how they came to regard all that as 'no claim' I do not quite understand. I was told that the driver of my car was not a fault, I was not driving and the otehr driver was at fault so they chalked it all up to treaty payments, not my history.
Further, the car had major damage and required two new wheels and tires but the alignment was perfect.
