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Right. I’d rather have the car totaled in that situation. Money can be replaced, my time cannot. Not to mention having to chase diminished value, etc.
Without GAP insurance….you don't want anything totaled. I didn't have GAP insurance....and now I do.
I don't want to total my Free Unlimited Supercharging.
Gap insurance is for people who are underwater on their loan, which doesn't apply for my situation.
Free unlimited supercharging might be important for some people (I'm not among them, since I've done MAYBE $150 worth of supercharging in almost 2 years of having my Model 3), but I don't have it so it's moot.
I'd definitely rather have my car totaled and just go buy an LR AWD than deal with months of major repairs, driving a crappy rental car, taking a huge hit to the value of the car when it comes time to sell it, etc. Would I be out of pocket a few thousand bucks? Yup. But my remaining scrap of sanity is worth it.
So did this end up being a total loss? Looked like it probably was but it could be borderline if not much hidden damage. With the impact speed you’d think so but the car moved a lot.
UPDATE:
Initially filed as a total loss, then field adjuster estimated around $16k for repair. Sent it to a Tesla certified shop and mechanic called me immediately and said it was closer to $35-40k and he would need 3-4 months to get it back on the road! Finally got it totaled out. So now I'm shopping for my next Model 3.