Another interesting thought- the rental State Farm will provide you will not be of the same class (compact vs luxury etc). I doubt you will be compensated for this. What about the difference in fuel costs EV vs gas? It's an interesting argument, especially if you use the superchargers a lot. The accident has made it impossible for you to use the fuel you pre-paid Tesla for. Of course this argument only works if your original car no longer operates, which doesn't sound like the case here.