Welcome to Tesla Motors Club
Discuss Tesla's Model S, Model 3, Model X, Model Y, Cybertruck, Roadster and More.
Register

Scratched My newly leased Model S. Need opinion on best approach

YJBB

Member
Nov 28, 2015
6
0
jersey city, nj
TeslaPic1.jpg

Dear fellow Tesla owners,


I painfully scratched my newly lease Model S. :crying:(As you can see in the pic above). The damage is mainly on the left quarter panel and some on the rear door and a little on the side of the bumper and a little on the left wheel. The car is registered in NJ and have Progressive insurance. I have the following questions that need your opinion on:


1. do you know of any reliable body shop that does a good job in fixing aluminum bodies like the Tesla cars that's not certified by Tesla? In or near New York area is preferred. I already know of a Tesla certified shop so just want to get a comparison in the repairing cost.
2. With my progressive insurance, I seem to qualify for their platinum rewards which gives me a "small accident forgiveness". Do you think a scratch like this on a Tesla car would qualify for a "small accident"?
3. My main concern is if I was to claim it with Progressive, they will increase my insurance by a lot and also affect my husbands record since he's also an insured on the car. I wonder if paying out of pocket would make more sense here.


Thanks a lot for your help and opinion….


YJBB
 

andrewket

Well-Known Member
Dec 20, 2012
5,704
1,541
Unfortunately, that's not a scratch. The door and the quarter panel will likely need to be replaced and painted.
 

bhuwan

Active Member
Mar 30, 2013
1,321
63
Boston, MA
probably terrible advice, but maybe another option is to wait until the lease is close to being done and then repairing the car? Yeah it will look like crap for the 2-3 years, but...
 

grichard

Member De-Luxe
Oct 2, 2015
205
67
St. Louis, MO
Ouch. Sorry.

I agree: that's actually a pretty big repair. I'd suggest that you just take it to the approved body shop, claim it on your insurance, and not agonize about it. Yeah, your premium may go up, but it's just one claim, so probably not too terribly.

This is what insurance is for. Get it repaired, and enjoy the car.
 

tomp

Member
Dec 3, 2013
427
33
Durham, NC
Why would that be better? Won't one then still have to pay for the repair, but have to drive a dinged-up car for 2-3 years? In order to delay the insurance increase?
probably terrible advice, but maybe another option is to wait until the lease is close to being done and then repairing the car? Yeah it will look like crap for the 2-3 years, but...
 

bhuwan

Active Member
Mar 30, 2013
1,321
63
Boston, MA
Why would that be better? Won't one then still have to pay for the repair, but have to drive a dinged-up car for 2-3 years? In order to delay the insurance increase?
This might be terrible advice, so take it with a grain of salt :) Just some out of the box thinking
1) delay insurance increase
2) cost of repair should theoretically go down by then
 

YJBB

Member
Nov 28, 2015
6
0
jersey city, nj
ouch, that's so expensive.

- - - Updated - - -

do you know how much the insurance might go up to?

- - - Updated - - -

That's some creative out of the box thinking. unfortunately, my lease just started, so it'd be a terrible 3 years to drive this car looking like this. feeling so bad still...
 

shokunin

P85 & M3
Supporting Member
Feb 28, 2012
1,199
634
Irvine, CA
Go through your insurance, that's what it's for. This is not a cheap repair. The rear quarter panel is welded to the frame. They have to cut the welds and remove the panel and then weld in a new panel. There's also quite a bit of disassembly even in the interior to remove rear quarter.

Yes, your insurance may go up, but it's cheaper than paying out of pocket.
 

shokunin

P85 & M3
Supporting Member
Feb 28, 2012
1,199
634
Irvine, CA
do you know how much the insurance might go up to?

My wife hit out one our landscaping pony walls at like 2mph and got a 3" small dent/scratch. Had to replace the whole quarter panel for $15K, our insurance did not go up. Everyone's insurance, history, and location, driving record is different so best to talk to your agent.
 

David99

Active Member
Jan 31, 2014
4,856
7,166
Brea, Orange County
Yes definitely around $15-20k. The quarter panel alone will be around $8-9k (I know cause I just got a quote for that). Check Tesla's website for certified body shops. I went to a few normal body shops and none of them would even take it since they are not experienced with aluminum.
Use your insurance, that's what it's for. Even if it goes up, it won't go up to were it will cost you $20k more.
 

SECRET M

Member
Oct 12, 2015
19
1
Saratoga, CA
Eek! I disagree with the advice to drive it around like that. It is a high end luxury car. Own up to the issue, use insurance, and fix the car. It is frustrating to hear advice that ignores your decision to pay for a car not only for its environmental impact, performance, comfort, but for it's aesthetic (and very functional) industrial design, and proceeds to advise you to add one more car to the population of dilapidated, damaged, and aesthetically unpleasant vehicles on the road that the eye sees day in and day out.

The car is not just a box designed by engineers; it is represents an industrial design that takes the aesthetic of the future in mind alongside the engineering needs. Get it back to new!
 

sickfox

Member
Jun 7, 2013
417
52
San Francisco
This is the way to go.

Go through your insurance, that's what it's for. This is not a cheap repair. The rear quarter panel is welded to the frame. They have to cut the welds and remove the panel and then weld in a new panel. There's also quite a bit of disassembly even in the interior to remove rear quarter.

Yes, your insurance may go up, but it's cheaper than paying out of pocket.
 

svp6

Member
Sep 6, 2014
731
791
MN
Sorry about it. Just think about it this way - it is only metal, you can always fix it. Insurance should pay - that's why they take your money every month....
 

anxman

Member
Dec 21, 2014
362
59
san francisco, ca
I did basically the exact same thing on my brand new 2014 Black P85D. I took it to a body shop and they fixed it up for $1500. I didn't want to claim anything on insurance so I paid out of pocket.

My two cents on the intersection of 'affordability' and quality: Find a local bodyshop that services Jaguars and is scored very highly on Yelp. Your car will require extra time to get done correctly because it will be new to them but pay them for the time anyway. They will know how to work with high end aluminum parts and it will end up significantly cheaper than going with a Tesla certified bodyshop.

Since repairing my Tesla, I've gotten plenty of small chips and scratches around the car that come from driving 20k miles / yr but I'm happy that I got the eyesore fixed. Now, at least when I wash the car, she looks amazing and sparkles.

I'm eyeballing here, and I don't have enough photos to make a fully informed decision, but I think you could get that fixed in the range of $2500-$3000.
 

David_Cary

Active Member
Dec 17, 2012
1,245
866
Cary, NC
I would definitely give a good non tesla shop a chance to make an estimate.

It certainly might be $2000 for a decent repair vs $20000 for a Tesla repair. After 3 years, you might save $3000 on insurance and you might buy the car for the residual and live with it.

I had a similar injury with a Leaf (steel version) and a $500 deductible. I chose to fix it for about $600 and pay cash. I can't tell where the repair is. My insurance is super cheap compared to the OP I'm sure. But it is still super cheap. I asked my agent and they refused to let me know if rates would go up if I reported it. I remember back in NY, if the value was under $600 at the time, they didn't raise your rates. NC has no specific rule.
 

YJBB

Member
Nov 28, 2015
6
0
jersey city, nj
My wife hit out one our landscaping pony walls at like 2mph and got a 3" small dent/scratch. Had to replace the whole quarter panel for $15K, our insurance did not go up. Everyone's insurance, history, and location, driving record is different so best to talk to your agent.


Can I ask which insurance company are you using?
 

Products we're discussing on TMC...

About Us

Formed in 2006, Tesla Motors Club (TMC) was the first independent online Tesla community. Today it remains the largest and most dynamic community of Tesla enthusiasts. Learn more.

Do you value your experience at TMC? Consider becoming a Supporting Member of Tesla Motors Club. As a thank you for your contribution, you'll get nearly no ads in the Community and Groups sections. Additional perks are available depending on the level of contribution. Please visit the Account Upgrades page for more details.


SUPPORT TMC
Top