HAHA actually BOTH Tesla AND the Insurance company actually. Don't be a blind fanboyIs Wawanesa your insurance, or the insurance of somebody that hit your car? If it is your insurance, then you are paying them for a service, and they are failing to provide you the service that you are paying for. In which case, maybe you need to find a better insurance company. (Which doesn't need to be Tesla Insurance.) If Wawanesa is the insurance of someone that hit you, you can use your insurance to deal with this issue. (That is what you pay them for after all.)
This is about cut-rate insurance companies trying to control costs and using their customers as pawns.