My 2020 Model Y was Rear Ended yesterday. As with most people I am completely new to going through this. I have read a bunch of threads on TMC but figured it wouldn't be bad to start one for myself to see if people have advice or at least check me on the decisions I make along the way.
My Car: 2020 Model Y LR + FSD with 9,000 miles
What happened?
Was rear ended while stopping for another driver to turn. Car behind me didn't stop, probably hit at 45mph. Luckily no one was injured. The other driver admitted fault on scene and was given a citation. Air bags didn't deploy.
What I have already done:
My Car: 2020 Model Y LR + FSD with 9,000 miles
What happened?
Was rear ended while stopping for another driver to turn. Car behind me didn't stop, probably hit at 45mph. Luckily no one was injured. The other driver admitted fault on scene and was given a citation. Air bags didn't deploy.
What I have already done:
- I have been in contact with my Insurance (Progressive) which also is the other Driver's Insurance Company. I am guessing this will make some things slightly more complicated as it won't really be my insurance vs their insurance. I indicated that I want to file a claim against the other driver's insurance and am waiting for a claim number (supposed to be today).
- My car is at a Tesla Approved Body Shop. They indicated to me that Progressive will do an assessment and they would not, reason given is that Progressive wouldn't accept their assessment. I didn't push on this at the time, but this seems abnormal based on others experiences I have read. Should I be pushing for them to do an "independent" assessment?
- Waiting on Assessment: I have no idea how to tell if the car is totaled (prior to assessment). It looks like in MN, where I am, the formula is Salvage + Repairs is at least 80% of car value. Tried looking at photos from other posts to make a guess and it looks about the same as some cars that were totaled and some that were not. Interested in others thoughts here, mostly for piece of mind.
- Rental Car: From what I have read, because the other driver is at fault the rental car claim goes through their insurance. Further, it doesn't matter what the "Rental Policy" is on their policy, Insurance will have to cover the rental for the duration of the repair? Do people have experience with this through Progressive? Any advice?
- Car Seats: I had two car seats in the car (unoccupied) when the accident happened. Looking around it looks like these should be covered as well. Anyone have experience here? (obviously small potatoes, but not sure if I should just go out an buy new ones for the impending rental car, or if there is a more complex process for replacing?)
- Diminished Value Claim: This is obviously down the line a bit, but sounds like it can be a pain (especially with Progressive). Assuming the car isn't totaled do people have experience here with Progressive?