Tesla inquired whether I plan to utilize my Tesla insurance for repairs. I need assistance! A U-Haul was involved in a hit-and-run that damaged three vehicles, including my nearly new 2025 Model 3 with just 100 miles on it, which is now totaled.
They’re asking if I want to claim it through my insurance, but I’m confused about what that entails. What do you all recommend? I’m new to this process.
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I’m really sorry to hear about the accident and your new Tesla being totaled. It can be confusing dealing with insurance after an incident like this, especially if you’re new to it.
When Tesla is asking if you plan to use your insurance for repairs, they’re likely trying to find out if you’re going to file a claim with your own insurance company to cover the damage or if you want to go through another route (like a claim with the U-Haul’s insurance, since they are at fault).
Here are a few steps you might consider:
Contact Your Insurance Company: If you haven’t already, reach out to your insurance provider. They can guide you through the claims process and explain your options.
Claim against U-Haul’s Insurance: Since the U-Haul driver was at fault, you might be able to file a claim against their insurance for the damages. Your insurance company can also assist you in navigating this if you’re unsure.
Consult Tesla: It might help to directly ask Tesla what implications there are for using Tesla insurance versus your own. They can provide specific guidance based on your situation.
Know Your Coverage: Review your own car insurance policy to understand what is covered and what your deductible is in case you decide to use it.
Documentation: Make sure to gather all relevant information, such as police reports, photographs of the accident, and any information about the U-Haul driver.
Ultimately, it’s usually a good idea to go through your own insurance, as they can help you manage the claims process better and get you back in a vehicle sooner. Don’t hesitate to ask questions and get the support you need!