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MASTER THREAD: Tesla Insurance Services in California
- Thread starter BobAbooey
- Start date
This is not the best route for anyone that lets a friend or spouse drive their Tesla without being on the policy. Coverage drops dramatically to pennies. $5000 property damage maximum, what a joke. I was seriously considering signing up but I'm glad you posted that link and brought this up.
I was misled before I had posted my original post about the cost from Liberty Mutual. I'm not sure why but I was under the impression that LM was underwriting the policies so I tried to get it through them. When I went directly to tesla.com/insurance and applied I found that the cost was significantly lower than Geico where I was currently insured. I switched as of Oct 1. I believe the savings are about $43/mo.
GuyDude
Member
With AAA, I was in and out in 5 minutes on car transfer to one of my kids. If AAA did driver's licenses in California (like they do in other states) I would never again darken a DMV door.
jkoya
NA2 NSX
Well said !!! Even with an appointment, waiting at DMV to get the new California "Real ID" was a wait...
Ulmo
Active Member
Not only that, but it's required to be filed electronically by every insurance carrier. Tesla didn't know that? Existing billionaires are really too disconnected from reality. I'm not saying to take their money, but we can't allow them to write anti-competition laws and regulations; we need to eliminate all regulations and laws besides theft laws and start over (maybe even the theft laws and let the common law courts figure it out).
Ulmo
Active Member
Depends where you go. My branch is often a 2 minute wait.
Of course, I tried to do my Commercial Vehicle License the way I always did it before, which got it clogged up, so I had to speak to supervisors about that over the course of six months. But I never waited the 10 or so times I went for more than 15 minutes at most, usually closer to 2 to 5 minutes. If I could see any line, I wouldn't even park. I also had to call the hotline about 3 times because their computer got it stuck a bunch of times for no reason. That was usually just a speakerphone wait while doing something else and was actually not too terrible a wait either. Of course, I had to hit the computer voice response buttons corresponding to something other than just Real ID since I had detailed CMV issues, so that probably gave me better response times on the phones due to such specialists being in different department positions. Success:
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jkoya
NA2 NSX
Ulmo
Active Member
I don't want everyone rushing in there.You could always derive it from my location you see on the left of every message of mine. Also, I went back to that message and bolded, underlined, and italicized some important information necessary to use that method. Also, fair warning: the cops in that town are terrible, so don't get caught driving while driving.
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jkoya
NA2 NSX
Hi there, I'm a new forum member, with a new blue Model 3...that already got hit on its second week, and is in for repair. Yep... But I thought I'd share my experience since a lot of people seem to be curious as to whether it's a good deal or not.
I am located in San Jose, CA, so proximity to Tesla's HQ probably helps my situation.
So far that experience has been positive. The accident was a low speed clip of the front driver's side with no injuries to either party. We were all cool to each other. However the 3 wan't drivable due to the front drivers wheel getting struck.
The only problem I have had with Tesla insurance was who to call to get the process started for towing to the right shop. I called the insurance company directly and at first, I wasn't impressed. A very slow process of passing on all information about my car--I'd have thought they had it on record. I was then told an adjuster will contact me, and I asked what do I do about a tow. Got passed onto Tesla Roadside Assistance. They then passed me back to the insurance company. They then passed me to Tesla Roadside Assistance.... ok. Finally got someone with experience in this matter.
So far that has been my only problem.
I had to pay for the tow up front, and claim a reimbursement. Not uncommon. Tesla-certified tow truck showed up in 15 minutes. Loaded the car up on a flatbed, towed it to a Tesla-owned body shop that just recently opened.
I didn't know Tesla owns their own repair shops, that's pretty cool and reduced a huge amount of worry that some 3rd party was going to do a half-assed repair. Nope, they said they restore the car to factory specs. They proceeded to mark and highlight every single mark and blemish on the car.
They then told me that subscribers of Tesla insurance get priority on repair. My host pointed out an X in the parking lot that wasn't going in for another month due to a different insurance. I didn't complain.
I got texts both from my host, and from the repairman who already disassembled the damaged parts of the car and gave me an estimate of a few weeks.
So far this is where I am at. I'll post again when I get more info or get my car back. I have to say, peace of mind due to the people at the Tesla body shop has helped to greatly ease the sadness and regret of crashing a new car.
I am located in San Jose, CA, so proximity to Tesla's HQ probably helps my situation.
So far that experience has been positive. The accident was a low speed clip of the front driver's side with no injuries to either party. We were all cool to each other. However the 3 wan't drivable due to the front drivers wheel getting struck.
The only problem I have had with Tesla insurance was who to call to get the process started for towing to the right shop. I called the insurance company directly and at first, I wasn't impressed. A very slow process of passing on all information about my car--I'd have thought they had it on record. I was then told an adjuster will contact me, and I asked what do I do about a tow. Got passed onto Tesla Roadside Assistance. They then passed me back to the insurance company. They then passed me to Tesla Roadside Assistance.... ok. Finally got someone with experience in this matter.
So far that has been my only problem.
I had to pay for the tow up front, and claim a reimbursement. Not uncommon. Tesla-certified tow truck showed up in 15 minutes. Loaded the car up on a flatbed, towed it to a Tesla-owned body shop that just recently opened.
I didn't know Tesla owns their own repair shops, that's pretty cool and reduced a huge amount of worry that some 3rd party was going to do a half-assed repair. Nope, they said they restore the car to factory specs. They proceeded to mark and highlight every single mark and blemish on the car.
They then told me that subscribers of Tesla insurance get priority on repair. My host pointed out an X in the parking lot that wasn't going in for another month due to a different insurance. I didn't complain.
I got texts both from my host, and from the repairman who already disassembled the damaged parts of the car and gave me an estimate of a few weeks.
So far this is where I am at. I'll post again when I get more info or get my car back. I have to say, peace of mind due to the people at the Tesla body shop has helped to greatly ease the sadness and regret of crashing a new car.
Wow, is that actually legal? I can understand if the adjuster(s) are still finalizing details but if the claim is negotiated I can't imagine waitlisting/repair-deferment to be permissible by any reasonable consumer protection laws.
jonquiljo
Active Member
My rate for the Model 3 is the same as my 2014 Kia Optima through State Farm. Same level of coverage. A bit surprising.
jonquiljo
Active Member
If I ever get a car, I should check them out. That’s up to Tesla, not me.
I get other insurance through State Farm (other auto, home, earthquake, liability umbrella), but they get complacent and start raising rates when you don’t watch.
I get other insurance through State Farm (other auto, home, earthquake, liability umbrella), but they get complacent and start raising rates when you don’t watch.
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