Hey all — I own a 2022 Model S LR.
A few weeks ago, it was parked on the street and someone backed into it. No major damage, a few scratches and a small dent above the tail light. I filed a claim with Aviva, my insurance provider.
What I thought would be a straight forward claim turned out to be me fighting with Aviva for the past month.
They are claiming that I can’t get it repaired at Tesla if I want the cost fully covered under insurance. They are refusing to approve Tesla’s labour rates, specifically. They claim that they are affiliated with 3rd party Tesla certified repair shops that charge less labour, so if I want to go to Tesla Collision, I’d be responsible for the difference.
Tesla is claiming that Aviva has approved their labour rates in the past and that I should escalate, but I’ve talked to many different people at Aviva and they are not budging on this one bit.
Can I realistically escalate this, maybe take it to arbitration to have Aviva honour Tesla’a labour rates? Is there a legal obligation for the insurance provider to return my car to its at loss condition, including getting it fixed at the manufacturer, especially considering it’s only a year old?
Would appreciate any advice anyone has, specifically around dealing with Aviva becuase they have been an absolute nightmare throughout this process. I intend to change insurance providers as soon as this claim is done and dealt with.
Thanks.
A few weeks ago, it was parked on the street and someone backed into it. No major damage, a few scratches and a small dent above the tail light. I filed a claim with Aviva, my insurance provider.
What I thought would be a straight forward claim turned out to be me fighting with Aviva for the past month.
They are claiming that I can’t get it repaired at Tesla if I want the cost fully covered under insurance. They are refusing to approve Tesla’s labour rates, specifically. They claim that they are affiliated with 3rd party Tesla certified repair shops that charge less labour, so if I want to go to Tesla Collision, I’d be responsible for the difference.
Tesla is claiming that Aviva has approved their labour rates in the past and that I should escalate, but I’ve talked to many different people at Aviva and they are not budging on this one bit.
Can I realistically escalate this, maybe take it to arbitration to have Aviva honour Tesla’a labour rates? Is there a legal obligation for the insurance provider to return my car to its at loss condition, including getting it fixed at the manufacturer, especially considering it’s only a year old?
Would appreciate any advice anyone has, specifically around dealing with Aviva becuase they have been an absolute nightmare throughout this process. I intend to change insurance providers as soon as this claim is done and dealt with.
Thanks.