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Insurance VIN/Model Discrepancy

Discussion in 'Model S: Ordering, Production, Delivery' started by Reekdog, Oct 6, 2016.

  1. Reekdog

    Reekdog Member

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    #1 Reekdog, Oct 6, 2016
    Last edited: Oct 6, 2016
    I've been shopping around for low insurance rates and found out something interesting. My vehicle is a 2016 90D but when companies run my VIN number it comes up as a 70D. This is great for insurance rate purposes but, I concerned that if my car is lost or totaled, will the insurance replace it with the 90D I purchased or, a 70D as it comes up in their search.

    I know that some VIN's used to show up as "P"eformance models which raised the rate but mine shows as a 70D.

    Anyone have a similar situation with their vehicle? Will it affect my replacement value/payout?
     
  2. DÆrik

    DÆrik Member

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    I've been checking around and have noticed several insurance companies have now grouped 70D & 90D (non performance). On all the quotes it says "70D/90D".

    Double check, but it might still be the same price.

    Thanks Erik
     
  3. Snerruc

    Snerruc Member

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    There are other threads about insurors misreading vins and other problems. Mine came back a s90 when it is a 60. The quote was the same for both cars even though there is $25,000 difference in car price. P models are a different case.
     
  4. Reekdog

    Reekdog Member

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    My quote was for a 70D but the "non-performing" angle makes sense. One company did ask me for the purchase price. Any other thoughts especially on how insurance companies gage replacement cost?
     
  5. Reekdog

    Reekdog Member

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    Thanks
     
  6. caltechkid

    caltechkid Member

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    AAA thinks my 60D is a 70D/90D...
     
  7. Ampere_90D

    Ampere_90D Member

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    Same issue here. Checking on upgrading to the car with the new sensors if it makes financial sense, and all the places I went for appraisals seemed to think I was pulling a fast one on them since their VIN decoders showed the car as a 70D. I do notice in the center screen Tesla page that there is a 70D performance option in the dropdown. I called my sales advisor and he assured me the car comes up as a 90D in his (Tesla company) system, and I know for sure the car has the 90D battery, so I'm certain all these places are using the same commercially available but flawed VIN decoding tool. I was also assured that upgrading from a 70 to a 90 in the factory is not something that happens; The cars begin their life as 90D vehicles.
     
  8. cryptyk

    cryptyk Member

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    The VIN doesn't contain the battery size. It only contains the single vs dual motor and p vs non p information. There's no way to determine the battery size from just the VIN unless they check the options delivered on that vehicle directly with tesla.
     
  9. habanero69

    habanero69 I Dont Need Cialis. I Drive an EV.

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    I had to fax my vehicle purchase sheet which showed the options as well as the model/battery of the car which was a S60 and not a S75 as the insurance company thought based on the VIN. I think this is a typical issue and is cleared up by faxing the doc (it has a fancy name but it doesn't come to me at the moment)...
     

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