I'd be f****d. Insurance companies seem to be low balling and fighting it is a lengthy process. I couldn't remotely afford a new P85 if my Dec 2012 P85 got totaled. Maybe I could find another used one, particularly now with the D's coming out, but odds are really good I'd just be unable to afford another Tesla. Being able to get one at all was a once in a lifetime situation for me.
I'd probably get something like a 3 year Volt or Leaf lease and wait for the Model 3.
I've no idea, but since my P85 is almost 2 years old with 30k miles either it'd probably no longer apply or it'd add a huge premium.I am not sure if it is offered where you are, but can you get new car replacement insurance as part of your car insurance package?