Experience with filing a claim with Tesla insurance and rising preimum rates?

[nshores88]

My 2020 Model 3 was involved in a very minor (1-2mph) at fault accident were I merged into another car in my blind spot. The damage was minimal to both, but there is fender damage on my car that is about $3k in damages. I'm using tesla insurance, and I'm currently paying about $1800 per year for my overall premium cost. I went ahead and filed a claim with them, since I was at fault and wasn't getting out of it anyway - But i'm wondering if anyone has had a similar experience, and if so, how much did your rrate increase after filing a small claim?

My stats, 32 years old, good driving record prior to this (no accidents/violations last 5 years) - first time claim with Tesla Insurance.

 

[ThomasD]

Blind spot detection didn't work? Glad you are ok

 

[TomT]

It is impossible to compare rates, rate increases, or anything like that since no two peoples situations are the same.

 

[Candleflame]

Blind spot detection didn't work? Glad you are ok

he didnt look.

 

[Aldonoawylie]

My 2020 Model 3 was involved in a very minor (1-2mph) at fault accident were I merged into another car in my blind spot. The damage was minimal to both, but there is fender damage on my car that is about $3k in damages. I'm using tesla insurance, and I'm currently paying about $1800 per year for my overall premium cost. I went ahead and filed a claim with them, since I was at fault and wasn't getting out of it anyway - But i'm wondering if anyone has had a similar experience, and if so, how much did your rrate increase after filing a small claim?

My stats, 32 years old, good driving record prior to this (no accidents/violations last 5 years) - first time claim with Tesla Insurance.

Hello,

Sorry to hear about your accident. I just had something similar happen to myself. What were your results after this?

 

[Flowerchild]

I am in a similar situation..any updates?

 

[nshores88]

I know a few people requested a follow up on this -

I ended up getting it repaired via insurance, the total cost was about $3.5k for the replacement fender and misc bodywork. Funny enough, I just got my renewal for Tesla insurance and there's no mention of the accident on it, and my rates did not go up! I also requested a report from Carfax just for fun, and the accident isn't on there either. So it looks like my reapir slipped through the cracks and I got lucky to not incur any major dings on my insurance rates.

 

[Jane4]

I know a few people requested a follow up on this -

I ended up getting it repaired via insurance, the total cost was about $3.5k for the replacement fender and misc bodywork. Funny enough, I just got my renewal for Tesla insurance and there's no mention of the accident on it, and my rates did not go up! I also requested a report from Carfax just for fun, and the accident isn't on there either. So it looks like my reapir slipped through the cracks and I got lucky to not incur any major dings on my insurance rates.

Is your insurance the same cost?--1,800 a year?

 

[TomT]

I also requested a report from Carfax just for fun, and the accident isn't on there either. So it looks like my reapir slipped through the cracks and I got lucky to not incur any major dings on my insurance rates.

Just a FYI: IT can take quite some time for an accident or repair to show up on Carfax. If you don't see it in six months then you are good to go.

 

[mrfiat74]

I suggest getting the "Multivex" type mirrors to make sure this doesn't happen again. I almost hit two different cars changing lanes on the freeway because of the large blind spot on the M3. Since I got the new mirrors, no more blind spot.

 

[Kaffeinephree]

I am in a similar situation..any updates?

Do you have any updates? I have damage to my car that didn't involve another vehicle and trying to decide whether to put the $4600 of work through Tesla insurance.