TMC is an independent, primarily volunteer organization that relies on ad revenue to cover its operating costs. Please consider whitelisting TMC on your ad blocker and becoming a Supporting Member. For more info: Support TMC

MASTER THREAD: Tesla Insurance Services in California

Discussion in 'California' started by BobAbooey, Aug 28, 2019.

  1. Jedi2155

    Jedi2155 Model 3 has Arrived.

    Joined:
    Jul 6, 2018
    Messages:
    1,489
    Location:
    Diamond Bar, CA
    So I'm in a similar boat except I KNOW my wife won't be driving my car since she hates driving, and hates driving other peoples cars period. In that respect, I'm not paying for insurance I don't need (unless in an emergency).

    In your case, I would suspect if you need your wife drive it even once in a blue moon, Tesla insurance does not make sense because it will likely be higher due to the additional of spousal insurance. This is one of the ways the algorithm/efforts costs are less with Tesla than a comparable policy from another vendor.

    I think if you have multiple vehicles (non-Tesla's) and multiple drivers, you can probably get a better policy than Tesla all other things being equal.

    If I ever need my wife to drive the Tesla, I would just cancel Tesla insurance and add it back to Geico which would only take a day or 2 and easily done over the web.
     
  2. Eno Deb

    Eno Deb Active Member

    Joined:
    Aug 17, 2018
    Messages:
    2,152
    Location:
    SF Bay Area
    Your interpretation is correct. According to the page you posted, the liability limits for family members not explicitly added to the policy drop to the legal minimum in California (15K/30K/5K), which is way too low. Not advisable if your wife occasionally drives the car.
     
    • Helpful x 1
  3. kunzjob

    kunzjob Member

    Joined:
    Aug 16, 2019
    Messages:
    49
    Location:
    Half Moon Bay, CA
    Would an umbrella policy kick in at this point? If my wife and I have a 1m umbrella elsewhere?
     
  4. Eno Deb

    Eno Deb Active Member

    Joined:
    Aug 17, 2018
    Messages:
    2,152
    Location:
    SF Bay Area
    Umbrella coverage normally requires a car policy with liability coverage limits significantly higher than the legal minimums (250K/500K is common). So my guess is that the umbrella coverage would not kick in for your wife. But you should check with your insurance provider.
     
  5. DanLA

    DanLA Member

    Joined:
    May 29, 2019
    Messages:
    10
    Location:
    L.A.
    I asked about this too. Because the Tesla is not insured alongside the other vehicles, the umbrella I have does not cover it.

     
    • Informative x 1
  6. nrechtman

    nrechtman Member

    Joined:
    Jan 5, 2018
    Messages:
    38
    Location:
    Fort Lauderdale
    Did CHP provide your insurance adjuster with the info on the motorcycle operator and his insurance info!?
     
  7. nrechtman

    nrechtman Member

    Joined:
    Jan 5, 2018
    Messages:
    38
    Location:
    Fort Lauderdale
    I don’t understand why they legally allow motorcycles to split the lane like that in some states, it’s like threading a needle and we all know what happens to the rider if someone changes lanes at the same time when the driver never sees them.
     
    • Like x 5
  8. hilltrot

    hilltrot New Member

    Joined:
    Sep 11, 2019
    Messages:
    4
    Location:
    Texas
    That's as much as a car payment . . .
     
  9. djroberts

    djroberts Member

    Joined:
    Jun 18, 2019
    Messages:
    135
    Location:
    San Diego
    I stopped reading after "a female answered the phone".
     
    • Disagree x 3
    • Like x 1
  10. ScBlack

    ScBlack Member

    Joined:
    Aug 18, 2019
    Messages:
    5
    Location:
    San Diego
    Just so you know, Crawford and Company is a third party Adjusting Firm, and not an insurance company. All they are going to do is handle the claim details for the insurance company. (FYI, I have worked claims for 20 years now)
     
    • Informative x 5
  11. pdq

    pdq Member

    Joined:
    Jul 1, 2015
    Messages:
    226
    Location:
    Philadelphia
    After I turned in my 2015 P90D 6 months prior to the end of the lease (I was disgusted with Teslas policies and service), I went back to Mercedes. They have an Enterprise desk right there next to the service writers, cars are always available and the fleet consists of low mileage C class and small SUVs. So, the fact that Tesla is using Enterprise isn't all that rare, as long as they always have cars which are Teslas.
     
    • Informative x 1
    • Like x 1
  12. CharlieSA

    CharlieSA Member

    Joined:
    Jul 7, 2019
    Messages:
    6
    Location:
    San Antonio

    As a motorcycle rider I can say... because it’s overall safer. Yeah you can get tagged in an improper lane change, and some riders split just WAY too fast, but the biggest risk for riders is to get rear ended.
     
    • Helpful x 1
  13. Merle

    Merle Member

    Joined:
    Apr 5, 2019
    Messages:
    76
    Location:
    Tahoe
    This is why you should report an injury, to get the police to show up.

    Why? After both parties leave, it’s too easy for the guilty party to change their story and try for a 50/50 split of liability.

    A vehicle hit by a motorcycle may claim the rider riding aggressively. A rider may claim interference by a driver making a lane change without 100 feet of notice. The list is endless.
     
    • Informative x 1
  14. RedBaronCircus

    Joined:
    May 4, 2019
    Messages:
    14
    Location:
    Long Beach NY
     
  15. RedBaronCircus

    Joined:
    May 4, 2019
    Messages:
    14
    Location:
    Long Beach NY
    To all concerned. Tesla uses Farmers insurance co. as the underwriter. Fact...i heard it from an insurance friend in CA. Buyer beware. I'll give them one xhance when it comes to NY...
     

    Attached Files:

    • Informative x 1
  16. M3DP

    M3DP New Member

    Joined:
    May 3, 2019
    Messages:
    1
    Location:
    Bay Area
    This is not true. I was involved in an accident - amazing what a cement mixer can intentionally do to a Model S at 3 miles an hour - I did end up talking to the CHP and they said you should always contact the jurisdiction for a report where there is damage or injury. You may not be the highest priority, but that is what they said.
     
    • Helpful x 1
  17. abasile

    abasile Conscientious investor

    Joined:
    Oct 21, 2012
    Messages:
    1,477
    Location:
    San Bernardino Mts., CA (Elev. 6100' / 1900m)
    It cost less than an additional $10 per month to add my wife to our policy on the Model S. Tesla is still significantly cheaper than Geico for us on that car.

    Also, if someone not named on the policy drives the car and gets into an accident, given that the coverage limits are then very low, wouldn’t that person’s own insurance (assuming they have insurance) kick in? I’m not sure, but that’s my impression.
     
  18. sasinsam

    sasinsam Member

    Joined:
    Sep 16, 2019
    Messages:
    5
    Location:
    Southern California
    i have insurance with wawanesa. tesla dd offer a competitve price on coverage-for-coverage basis. however, i stuck with wawanesa because it was $400 less per year than the tesla insurance.
     
  19. MrTeff

    MrTeff Member

    Joined:
    Feb 9, 2019
    Messages:
    9
    Location:
    San Diego, CA
    California law requires you to report an accident to the DMV using form SR-1.
    Filing a report with the police or CHP is not a substitute for this requirement.
    (It might be possible that your insurance company will do it for you, but you should not assume that it will.)
     
    • Like x 2
    • Informative x 1
  20. MrTeff

    MrTeff Member

    Joined:
    Feb 9, 2019
    Messages:
    9
    Location:
    San Diego, CA
     

Share This Page

  • About Us

    Formed in 2006, Tesla Motors Club (TMC) was the first independent online Tesla community. Today it remains the largest and most dynamic community of Tesla enthusiasts. Learn more.
  • Do you value your experience at TMC? Consider becoming a Supporting Member of Tesla Motors Club. As a thank you for your contribution, you'll get nearly no ads in the Community and Groups sections. Additional perks are available depending on the level of contribution. Please visit the Account Upgrades page for more details.


    SUPPORT TMC