I think these startups like uber/lyft/turo/etc provide a cool service, at the expensive of ignoring the evils of humanity, and thus don't provide protection against "the worst", assuming everyone will be "the best".
Not trying to stereotype here, but you started it
. The reality is that these startups stem from a small part of the country where the prevailing demographic believes in a utopian world where everybody loves one another, is fundamentally good, has everybody else's best interests at heart, and everybody who is a large earner should willingly and forcefully share their wealth with lesser fortunate people. It's a happy utopia! So in their view, why would anyone want to hurt your car? Why would anyone who actually does hurt your car not want to pay to fix it?
I have rented my Model S on Turo several dozen times, have a 5 star review, and have dealt with their insurance, as well. My insurance experience was not great, but they did stand behind it (after a fight). In my opinion, the big mistake you made was taking it in before filing the claim. Or, taking it in before they acknowledged the claim. There are back-line numbers you can call to speak with someone better than their front line customer service... I did that and got somewhere a little further.
My experiences with Turo have been steadily declining from when I first started doing it 2.5 years ago. They were fantastic in the beginning, but now it's gotten pretty bad. The last few rentals have been nightmares. My last renter effectively "stole" my car and I had to go repossess it after Turo shrugged their shoulders and told me to call the cops. The one before that the guy was late, I assessed the late fee, the guy calls Turo and complains, then Turo calls me to try to talk me out of assessing it... he was 4 hours late and I had to stay up late to get my car. I've also had the no charge return issue - Turo did indeed pay for the tow to a Supercharger... but they did not reimburse me for the 3-4 hours of time that I lost in the process.
Lately I've priced my car way high so that I don't get rentals anymore. But, I will also say this, you definitely sign up for the trouble. People are people, and you can't honestly tell me that you've not driven your Tesla up to 100mph at any time? These renters have usually never driven a Tesla, so they want to experience it. That part does not bother me. So please temper your expectations about dents, dings, scratches, fast driving, etc. That part comes with the territory.