I agree with the others here to raise your limits. Consider that you will probably be getting Model Ss as loaner cars which will be covered under your own insurance while you drive them, so I would up property damage to 100k just in case.
In the end, it’s all about the bodily injury coverage tho. If you get into an accident with an uninsured (or minimally insured) driver and get injured, you are going to end up relying on your coverage limits for that. I had a coworker who was hit by a drunk driver and ended up in the hospital for weeks getting put back together. Drunk only had state minimums and coworker only had 25k bodily injury. Coworker was limited to 25k from his insurance and had more medical costs than that (he is still having follow on surgeries 2 years later). He is trying to sue drunk driver directly now, but who knows how that will pan out.
I have been in two accidents in this state, and neither person who hit me had insurance. The dude who totaled my car got to have my insurance come after him directly for the $48k they paid me out on my 2013 Model S. It is doubtful any normal person carries enough insurance to cover totaling a Tesla, so it is good piece of mind when you know at least your policy is good.
I personally have 250/500 bodily injury (don’t remember what the property limit is) and a 1 million umbrella policy. But I have a house and a 401k, etc. Lots to lose. Once you jump up to the 100k coverage level, it isn’t that expensive to go higher. And umbrella policies are stupidly cheap, they just require the higher minimums on your auto/homeowner/renters.
