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

[low2500]

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.

 

[Cheburashka]

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.

 

[zhu-]

Let the market solve itself and go with another insurance provider. When they realize their lack of growth from overpriced Tesla rates they'll adjust.

 

[sduck]

Can you post an image, so we don't have to download stuff to see this?

 

[KaptKamp]

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.

 

[jjrandorin]

(moderator note: edited thread title to reflect issue discussed. I am not a fan of clickbait type titles)

 

[low2500]

 

[ucmndd]

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.

 

[SageBrush]

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

Did you miss the OR ?

You got a canned response

 

[calidreamz808]

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]

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?

 

[ucmndd]

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

I mean, the letterhead IS for the AARP insurance program...

 

[ucmndd]

Also William, why bother scratching out the personal info at all if you’re gonna give it that half-hearted of an effort?

 

[SageBrush]

Also William, why bother scratching out the personal info at all if you’re gonna give it that half-hearted of an effort?

It was a clever deception so that you would ignore the bar code

 

[The_Observer]

There's always another company that's willing to take your business, let the free market do its thing.

 

[glide]

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]

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]

WHY do you need AARP? Any insurer can decline coverage for a multitude of reasons, go to another insurer, what's the problem?

 

[sktn77a]

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]

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.