Hi All, OK, this will be somewhat like group therapy for me. Like many of the folks who have been around this site for awhile, I waited 3 long years from my deposit to delivery of VIN 1653, a beautiful dolphin gray S85 with almost all of the options which arrived Dec. 31, 2012. Unfortunately, on July 5 I had an accident which, I found out today, has totalled my car. 20 years of accident-free driving came to an end in a split second. July 4th was indeed not a great weekend for Teslas. I haven't been able to really stomach coming to this site much lately, but here's the story in a nutshell. I was driving on an unfamiliar paved rural road with a 45 MPH speed limit. After traveling around an S curve, I came upon a 90 degree turn in the road: There was a single curve sign, but it was BEFORE the S curve (about 1500 feet back) and I unfortunately subconsciously associated the sign with the S curve. As soon as I came around the S curve (which didn't seem all that sharp), I was staring at a 90 degree bend in the road. To make things worse, the terrain is very slightly sloped such that it is difficult to see that the road makes a sharp turn. To make things even worse, there are absolutely ZERO signs at the curve! NONE!! No chevron arrows, no turn arrows, nothing! I consider myself a good, alert driver with my head on a swivel, and this surprised me! By the time I saw the turn, it was far too late. I was already on gravel by the time I hit the brakes. (I didn't even lay any rubber on the road). The car went airborne almost at that moment, because there was a 3 foot drop on the side of the road. Suspension was in low. When the car slammed down on an empty dirt trailer lot, my rear suspension snapped. (Right rear tire was 80 degrees out, flapping in the breeze): The snapped suspension AND dirt combined with the mass of the S meant I had virtually zero stopping ability. The car continued across the empty trailer lot, slammed through an abandoned portable basketball hoop, through a large barrel of discarded junk, into a wall of small trees, and stopped about 30-40 feet into the treeline. Fortunately, I missed a few 6-10 foot diameter Oak trees by 5-10 feet on each side. Pano roof was ripped off, front end was a mess, suspension was snapped. Airbags did not deploy (fortunately), because they weren't necessary and would have done more harm than good in this case. Fortunately, there were no injuries. The car immediately indicated a few faults, but primarily an issue with low coolant (my battery pack coolant started leaking out immediately) and low washer fluid. Touchscreen and console were fine--no apparent damage to the inside of the car except the pano roof crossbar plastic cover had come off (I think when the basketball hoop slammed into the roof). The door handles even operated flawlessly. Tesla had tried to call me, but I didn't have cell phone coverage and couldn't answer. When a police officer arrived, he said that cars run off the road at the curve "almost every week". Now I'm sure he's exaggerating a little, but the county REALLY needs to add much more signage at that turn. A local told me that almost every car that goes around that turn crosses the yellow line at the center of the road. Very scary. Anyway, I didn't receive any ticket. No improper driving, speeding, or anything. I'm not pushing off the blame, after all I was driving, but I made the mistake of associating the curve sign with the wrong curve in the road. Goes to show that a very minor brain fart can turn a regular day into a nightmare. Anyway, I couldn't sleep for days, replaying those few seconds in my mind and wishing I could take them back, but also recognizing that I was fortunate that nobody was hurt. I hugged my wife and sons a little harder that day, that's for sure. To get to the point of my post, my insurance company has decided to total my car. They found "at least" $45,000 in damage, and that's without even disassembling anything or looking at the electronics in the front end or analyzing the battery pack. I received a call today indicating that some external company had valued my car at $62,500. They apparently were having real trouble valuing it because there are so few out there to indicate a value. Specs: 2012 (delivered Dec. 31, 2012) S85, Pano roof, leather seats, air suspension, sound upgrade, tinted windows, new 19" tires (only 800 miles on them, grrr!), tech package, fog lights, metallic gray, with 31,500 miles on the odometer. Basically, that configuration costs $98,500ish new from Tesla. So I would have to basically shell out $35,000 to get back to driving what I was driving before! Ugh. I couldn't believe my ears. My insurance company was saying that my car, which was in almost mint condition, was worth less than 70% of its original value? I complained to the adjuster, and he agreed the value was low. He said he didn't have the authority to raise the value, but would pass it up the chain where a higher value could be authorized. But he did tell me "this could take awhile". UGH. I've already been driving a crappy ICE for 2 weeks...how much longer? I've found several examples showing that this was a lowball value, and one where a similar car with ballpark similar mileage (22,000 miles) sold for around $80k. (There aren't many for sale in the 30k mileage range). So anyway, does anyone have advice for someone who looks like he's on the path to fighting a battle with the insurance company on actual cash value? I won't mention the company right now. If they end up making me happy, I'll praise them. If they end up screwing me, I'll let you all know and warn you that this company may not be the ideal company to insure your Tesla with. (BTW, yes, they are a well-known insurance company). On the bright side, I'm looking to get a P85 vs. an S85 this time. It will probably be a loaner/floor model--not sure I can handle the wait to receive a new one. (Wasn't 3 years of waiting enough? I think the current wait list is several months long). Any advice would be appreciated. For now, after going 1.5 years without visiting a gas station, I'm spending $55 a week on gas and a crappy driving experience. :crying: I am bummed!