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Do us a favor, give her a call please, Elon ! [complaint about insurance company rejecting coverage]

low2500

Member
Nov 29, 2019
36
20
Houston
I requested an insurance quote from Hartford and was rejected. Please see the rejection letter from Hartford insurance and it shows the lack of education in general among the public.

What is intriguing to me is which part of the Model 3 is more susceptible to damage than an ICE vehicle.

I suggest Elon to offer a seminar to the insurance industry. I know Tesla is offering insurance in California.
 

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  • Rejection letter from Hartford.pdf
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  • Rejection letter from Hartford.pdf
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  • Disagree
Reactions: lUtriaNt and glide

Cheburashka

Active Member
Jan 29, 2018
2,340
2,861
Los Gatos, CA
It makes sense. Lots of sensors means the car is more susceptible to damage. This isn't unique to Tesla. Lack of timely service means more money spent by insurance on your rental.
 

KaptKamp

Member
Jan 22, 2020
28
32
NJ
It is definitely has more to do with the cost to repair and not the susceptibility to damage. Tesla’s are extremely expensive to repair because they don’t let 3rd party body shops to repairs. That is why there is a big “right to repair” movement in many states about manufactures being forced to sell parts to outside people.
 

low2500

Member
Nov 29, 2019
36
20
Houston
upload_2020-12-24_13-48-40.png
 
  • Informative
Reactions: cwerdna

ucmndd

Well-Known Member
Mar 10, 2016
6,549
12,314
California
They cost a ton to repair relative to competitors.

I suspect what they mean by "susceptible to damage" is "we have higher than normal claims for comprehensive damage". Of course they might not be implying anything at all, as they sent you a form letter that clearly says "EITHER" more susceptible to damage or expensive to repair.

It's foolish to think this is due to a "lack of education". Insurance companies are in precisely the business of knowing what it costs to insure and repair vehicles. They know better than anyone what it costs and if it's a viable business for them.
 

calidreamz808

Member
May 20, 2019
244
213
Huntington Beach, CA
I requested an insurance quote from Hartford and was rejected. Please see the rejection letter from Hartford insurance and it shows the lack of education in general among the public.

What is intriguing to me is which part of the Model 3 is more susceptible to damage than an ICE vehicle.

I suggest Elon to offer a seminar to the insurance industry. I know Tesla is offering insurance in California.

I used to work for that company... even when an employee, they would not cover me when i had an ICE car....AND they are horribly expensive. Your fault here is even considering HIG insurance. LOL
 

SMAlset

Well-Known Member
Mar 4, 2017
9,072
9,787
SF Bay Area
I thought people were posting a while back that Hartford wouldn’t cover Teslas. Even owners who had been long time Hartford insureds and with home insurance as well.

maybe their preferred customers are over 70 and driving beaters from decades ago?
 

glide

Active Member
Jun 6, 2018
2,990
3,041
USA
I requested an insurance quote from Hartford and was rejected. Please see the rejection letter from Hartford insurance and it shows the lack of education in general among the public.

What is intriguing to me is which part of the Model 3 is more susceptible to damage than an ICE vehicle.

I suggest Elon to offer a seminar to the insurance industry. I know Tesla is offering insurance in California.
I think you are the one who needs to be educated in risk mitigation.

The insurance company isn’t wrong in this case and they are not required to provide you a service. Don’t like it? Shop someplace else.
 

focher

Active Member
Oct 15, 2013
1,029
1,481
Bay Area
It is definitely has more to do with the cost to repair and not the susceptibility to damage. Tesla’s are extremely expensive to repair because they don’t let 3rd party body shops to repairs. That is why there is a big “right to repair” movement in many states about manufactures being forced to sell parts to outside people.
Why do you claim that? It’s not true. I’ve had mine repaired twice from authorized non-Tesla 3rd party body shops.

Body Shop Support

Plenty even listed in NJ.
 

alexgr

Member
Aug 13, 2019
650
531
Tulsa
WHY do you need AARP? Any insurer can decline coverage for a multitude of reasons, go to another insurer, what's the problem?
 

sktn77a

New Member
Dec 25, 2020
3
5
NC, USA
My son just bought a 1 year old Model 3. His insurance with Geico on the M3 went up from his 2008 Lexus IS250 by only $10 a month. Probably worth checking them out.
 

Uncle Paul

Well-Known Member
Nov 1, 2013
6,286
6,827
Canyon Lake,CA
I switched from AAA to Hartford several years ago because AAA had very high EV rates.

A few years later, Hartford began to raise my Tesla rates, so I switched again to Liberty Mutual.

This is what you need to do with insurance companies today. You need to find the company that will sell you the coverage you need at a competitive rate.

Some never want to change insurance companies, but it is often necessary to keep reasonable rates.
 
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