Thanks for the questions, happy to shed some light into the issues raised above.
Firstly, XCare is partnered with Endurance Dealer Services for administrative support, but we directly control approvals/denials of claims, and our process is purposefully separate from the other offerings. We have Tesla/EV trained people who answer our dedicated claims line, who "speak EV" and understand Tesla process. We are financially backstopped by AmTrust Financial, an AMBest "Excellent" rated insurance company that has been in business for over 20 years, and went through 2008 financial meltdown unscathed. Both AmTrust and Endurance are contractually obligated to service XCare regardless of what may happen to our company, but having 5X'd last year, and projected to 8-10X this year, we are growing and becoming ever more able to take care of our community and expand our services even beyond Tesla to all pure BEVs. As for the Tesla ESA, we never intended to compete with the ESA, but rather extend coverage ability to those outside of the "cookie cutter" 2 year/25k or 4 year/50k" box, and we are able to extend coverage out an additional 10 years or up to 180k miles. For people that are heavy users, commercial users (Uber/Lyft) or otherwise have long commutes, we can cover them. Our mission is to provide our community with the support they need to remain in their EVs without the financial burden of a huge bill, that often comes at an inopportune time financially for many. I consider it a personal extension of my time at Tesla to continue to serve OUR community, and welcome a call/email to further help clarify any questions. Have a great day, and hope to help many of you in the future! Brent Seavey, XCare