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Model 3 totaled! please advise

Rich Partain

New Member
Sep 29, 2016
4
4
Bakersfield Ca
Insurance companies at times are very efficient at collecting premiums but slow to pay claims. True in some cases but not always. Totaled my 16 year old car. Sometime the odometer switched from miles to KM. Dealer said problem was in the cars computer and only fixable with a new computer module. So I didn’t have it fixed. When settling with my insurance company they deducted value because of the high odometer reading. Took awhile but they added the value back in. The said they found articles about this issue on other similar cars and gave me credit for it. So first work with your insurance company instead of instantly getting into an adversarial relationship.
 
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Rich Partain

New Member
Sep 29, 2016
4
4
Bakersfield Ca
Insurance companies at times are very efficient at collecting premiums but slow to pay claims. True in some cases but not always. Totaled my 16 year old car. Sometime the odometer switched from miles to KM. Dealer said problem was in the cars computer and only fixable with a new computer module. So I didn’t have it fixed. When settling with my insurance company they deducted value because of the high odometer reading. Took awhile but they added the value back in. The said they found articles about this issue on other similar cars and gave me credit for it. So first work with your insurance company instead of instantly getting into an adversarial relationship.
 

Physicslawyer

Member
Feb 19, 2020
74
43
NY/PA
I am a lawyer and have dealt with having a car totaled by insurance. They will want comps. You can go find the comps as easily as they can and negotiate yourself. If you are not comfortable negotiating, then I suppose you can hire a lawyer. A lawyer is expensive and will likely not do anything differently than what you could do yourself. Good luck. I would also comp performance models, but realistically compare the differences between yours and the ones you find. I have had Geico for the past 18 years and they were fair.
 

JoePed

New Member
Feb 10, 2021
3
0
Massachusetts
First, since you were rear ended it’s the other drivers fault. Second, since it’s not your fault the other insurance company will pay for it. You should work directly with your company on a fair replacement value and that’s what you should request Which will be paid by the other drivers insurance. Third, you maybe entitled to “pain & suffering” for the BS your going through which would certainly get you a brand new car so figure out what that cost is today and demand that $$$$. Good luck
 

HAL2001

Member
Sep 23, 2020
27
24
NJ
First, since you were rear ended it’s the other drivers fault. Second, since it’s not your fault the other insurance company will pay for it. You should work directly with your company on a fair replacement value and that’s what you should request Which will be paid by the other drivers insurance. Third, you maybe entitled to “pain & suffering” for the BS your going through which would certainly get you a brand new car so figure out what that cost is today and demand that $$$$. Good luck
Not completely true. The other drivers insurance company will pay up to the max policy. If they don’t have enough insurance to cover the damage your own insurance kicks back in. In my state the minimum policy is $30,000. So if the person who hits you has the minimum your policy covers the rest.
 

Phlier

Bluebird
Jun 12, 2019
1,475
1,847
Utah
Not completely true. The other drivers insurance company will pay up to the max policy. If they don’t have enough insurance to cover the damage your own insurance kicks back in. In my state the minimum policy is $30,000. So if the person who hits you has the minimum your policy covers the rest.
Yup. Don't skimp on the "Underinsured Motorist" portion of your policy if it's available to you, which I think will vary from state to state.
 

WillRoadster

Supporting Member
Jun 1, 2020
12
7
Newcastle
I have had several vehicles totaled through Allstate in California. Two from house fire and one from being rear ended I’m very pleased with their payouts which include registration and taxes. For comps they only use dealer sold or dealer listed vehicles. They exclude private party sales which are always much lower. Not sure about other states but California Allstate has two new vehicle optional riders: loan gap or replacement rider.
I paid cash for my “Y” LR last July so I chose the the replacement rider. Which gives me the totaled replacement cost of a brand new Model Y for the first three years rather than a used 50k miles Y. So if I total my Y in June of of 2023, they will give me 2023 out the door price. The rider cost is about $60 a year and falls off at the 4 year purchase anniversary.
 
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dmurphy

Woof.
Dec 7, 2018
3,474
4,682
New Jersey - Morris County
Not completely true. The other drivers insurance company will pay up to the max policy. If they don’t have enough insurance to cover the damage your own insurance kicks back in. In my state the minimum policy is $30,000. So if the person who hits you has the minimum your policy covers the rest.

Actually, here in NJ, minimums are:
$15,000 per person for injury
$30,000 combined for injury
$5,000 for property damage (ie they wreck your car.)

It’s super important to check your uninsured/underinsured coverage. That $5k property minimum is woefully low.
 

SteveBaker

Member
Aug 29, 2019
36
26
El Paso, Texas
So I recently found out that my 2020 Model 3 Stealth was totaled. I was rear ended so it wasn't my fault at all. I only had my car a little over a year and it had 13,000 miles on it. What ACV do you think I should accept from the other insurance company? I paid around 53k for the car (not including tax). I'm also pretty upset because my car was a stealth version and I dont think stealths are available in the 2021 models. A piece of me wished that they fixed the car even though I know it's better off being totaled because I don't think I will be able to find it again. Anyways, I was just looking for some advice please!

Thanks,

Drew
We had a small fender-bender with our 10 month old Model 3 a while back - and the body shop in Austin told me that odds were good that the insurance company would want to total it. Evidently, the high cost and low availability of Tesla parts to 3rd party repair shops can make the value of a car with minor body damage be worth more as scrap. In the end, they didn't do that - but evidently it's not uncommon. Stick out for the full value of a new car - you stand a good chance of getting it.
 

SteveBaker

Member
Aug 29, 2019
36
26
El Paso, Texas
So I recently found out that my 2020 Model 3 Stealth was totaled. I was rear ended so it wasn't my fault at all. I only had my car a little over a year and it had 13,000 miles on it. What ACV do you think I should accept from the other insurance company? I paid around 53k for the car (not including tax). I'm also pretty upset because my car was a stealth version and I dont think stealths are available in the 2021 models. A piece of me wished that they fixed the car even though I know it's better off being totaled because I don't think I will be able to find it again. Anyways, I was just looking for some advice please!

Thanks,

Drew
We had a small fender-bender with our 10 month old Model 3 a while back - and the body shop in Austin told me that odds were good that the insurance company would want to total it. Evidently, the high cost and low availability of Tesla parts to 3rd party repair shops can make the value of a car with minor body damage be worth more as scrap. In the end, they didn't do that - but evidently it's not uncommon. Stick out for the full value of a new car - you stand a good chance of getting it.
 
forgive me if i'm wrong but I read somewhere that insurance companies are not obligated to pay you back for any sale tax for cars?
Not sure this helps however, I own a model X. The autopark failed and hit the side of the garage. $3,500 damage.Tesla told me to file claim with my insurance company Travelers. I did and now I am in the middle of a subrogation case between Tesla and Travelers. Traveler paid me the $3,500 and said they are going after Tesla for my $1,000 deductible.
While filling out claim form the Traveler agent ask me who was in the driver seat? I responded" NO ONE"! Travelers was not sure how to deal with this. Point is we are in "uncharted waters " with Tesla and car insurance companies.I suspect that is where you are in your case, Fortunately for me Travelers paid me quickly and is going after Tesla for my $1,000 deduction at no cost to me. Could take months to litigate. Good luck going forward." It is the scouts who come back with the arrows in their backs".
 

TSLA Pilot

Active Member
Mar 12, 2013
1,697
2,323
United States
Because you'll lose time. We had to sue (or threaten to I guess) our own insurance company who low balled us hard on her model 3, after weeks of back/forth on repair vs. total. Tesla certified shop said total it. We said total it. They shipped it 3 different places over 6-8 weeks of jerking us around. We had enough. Within 48 hours of our lawyer on the case, car was classified totaled and negotiations began.

Then on to the actual human injuries...

To each, their own, but that was our experience.
Oh my!

Who was this insurance company; we'd like to avoid such treatment by avoiding them.

Thx.
 

TSLA Pilot

Active Member
Mar 12, 2013
1,697
2,323
United States
Something else to consider: My insurance company would not pay for the brand new tires I'd just bought on the Model S we totalled. If your tires are new enough you might consider removing them and putting on some old used ones and selling them separately. The salvage lot my car was brought to would've allowed us to do that if I'd considered it. At the time we were too involved in getting the right value for the car to worry about the tires.
This occurred to us with our totaled 2013 Model S. We had just put tires on it (for around $1k IIRC) in 2014 when my wife called to ask what to do as flood waters rose around her at an intersection. (I suggested she had two option: either abandon the car and walk to safety, or just drive it out of the rising water. She chose the latter, thankfully, as Teslas operate well even when partially submerged.)

USAA bumped up our too low estimate by a few hundred dollars by simply taking photographs of the tires and showing them the receipt/invoice. I think they got about $40k for the car ('13 MS 85, 12k miles; 21" wheels and decent range of options) at the salvage auction. I was going to bid as the flood water level was very low, but found it crazy to pay that much for a car with no factory warranty/salvage title. Just as well as we would have had too many cars, and, frankly, mid-2013 MS's don't have much of the equipment added in the years that followed.

FWIW, USAA didn't jerk us around too much, but the value given was a bit low. Another issue: it was likely one of the first Tesla's they'd ever had a flood total claim on, and, as such, they could barely spell "Tesla" let alone decide how high the water needed to reach to total it. Fortunately, the local Tesla SC helped them out. The cars are water resistant, not water proof . . . . And so began our Tesla journey with that first car leading to the other eight Model S's that followed.
 

TheRFMan

Member
Dec 15, 2019
391
298
Ottawa, Canada
I chose the the replacement rider. Which gives me the totaled replacement cost of a brand new Model Y for the first three years rather than a used 50k miles Y.
That's nice, it covers for inflation as well. In Ontario, it's common to have a depreciation waiver rider added for the 5 five years, where in case of total loss, they pay back the amount on the original bill of sale and call it a day. If the price has gone up since the original purchase, the difference is not covered.
 

SabrToothSqrl

Active Member
Dec 5, 2014
3,721
3,010
PA
Oh my!

Who was this insurance company; we'd like to avoid such treatment by avoiding them.

Thx.
eSurance... Screwed by AllState I guess. And we had (and still have) every coverage MAXED and full tort.

Other party was 100% at fault, but I guess if you're a piece of $hit with no insurance, you get off easy when you rear-end someone, destroy their car and cause the person pain for months after.
 

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