You will not have to worry about a totaled car because let me tell you no insurance company will total a Plaid at least in these trying times. Teslas are very resilient cars and barely suffer damages in crashes. Not to mention, the whole air bag deployed, and the car must be totaled is complete BS. I got in an accident a week ago, it was the other person's fault and they have accepted their fault. My car's front driver side got damaged and air bags got deployed with the hood and side fenders bent too. However, my insurance company thinks $15,900 will fix the car back up. So, nobody here has to worry about getting their car totaled anymore as I am told by my insurance company and the body shop that they no longer total a car unless the damages exceed 75% of the value of the car which in this case is around $66k. There is no way you can stack up 66k in damages unless you're in a serious crash with severe injuries. I'm also attaching picture of the other driver's car. Look at the difference, Teslas are built like a tank. Goodluck getting a total loss claim from insurance companies lol
Also, that is what GAP insurance is for. Everyone how owns expensive cars should make sure that they have GAP insurance, that way even if your insurance company values your vehicle at less than what you owe on it, GAP will cover the rest, so you don't have to pay out of pocket. Hope this helps