Need Help: Insurance Company Trying to Total My Tesla!
Hi everyone, I could really use some advice regarding my situation with Liberty Mutual. I recently had a hydroplane accident in my 2022 Tesla Model 3 Long Range (with FSD and Acceleration Boost). While the car is still fully operational—no battery warnings or power loss—they’re claiming it’s a total loss due to supposed battery damage based solely on photos. The issue? The repair shop never photographed the battery!
Here’s what went down:
- After the accident, I was able to drive the car to a shop, which suggests the battery is intact.
- The shop inspected the vehicle and found no battery damage.
- Liberty Mutual requested pictures and is using those to claim the battery is damaged, stating that repair costs exceed the value of the car.
- Their reasoning? The shop isn’t Tesla-certified (which feels like a weak excuse).
- The shop estimated repairs at around $15,000. Even with 134,000 miles, my car’s market value is still higher than what’s needed to justify totaling it.
- They didn’t send an adjuster to physically examine the car—they made a decision based on photos alone.
Here’s what I’ve done so far:
- I contacted the Department of Insurance, and they advised me to file a complaint against Liberty Mutual.
- I spoke with the shop, and they recommended leaving my belongings in the car so I can retrieve them when CoPart takes it, allowing me to ask for a re-evaluation in person.
- I came across a story of someone who successfully contested a total loss claim like mine—so I know there’s hope, but I need the best approach.
My questions are:
- Has anyone else successfully fought a total loss claim like this? What strategies worked for you?
- Should I seek an independent evaluation from a Tesla-certified shop? If yes, how can I ensure Liberty Mutual takes it seriously?
- Are there any legal options I should consider if they refuse to budge?
I really don’t want to lose my car over what seems like a flawed assessment. Any insights or advice would be greatly appreciated! Thank you!
Update: Of the 100 images sent to the insurance company, only one shows the battery (on the far left side of the car) with no visible damage from the accident. Here’s the image.
I’m really sorry to hear about your situation; it sounds incredibly frustrating. Here’s some advice that might help:
Successful Fight Stories: Many people have successfully contested total loss claims, especially when the car is still functioning as yours is. In many cases, having documentation and evidence, such as repair estimates, photographs of the car’s intact condition, and other relevant information, has bolstered their case. Sharing your documentation with Liberty Mutual and presenting a coherent argument based on your findings is key.
Getting an Independent Evaluation: Yes, getting an independent evaluation from a Tesla-certified shop is a good idea. It can provide a professional, objective assessment that counters the insurance company’s claim. After obtaining the evaluation, present it to Liberty Mutual along with a formal request for them to reconsider their decision based on this new evidence. Document all communication and keep records of any correspondence to help reinforce your position.
Legal Avenues: If Liberty Mutual remains uncooperative, you may want to consult with an attorney who specializes in insurance claims. They can provide guidance on potential legal actions, including filing for bad faith if you believe the insurance company is not honoring its obligations. Sometimes, simply having a lawyer send a letter can prompt a more favorable response.
Documentation and Evidence: Keep everything documented, from the initial assessment by the shop to any correspondence with Liberty Mutual. Photographs showing the car’s condition, repair estimates, or any communications from Tesla or a certified shop can help build your case.
Social Media and Online Visibility: Many companies respond quicker to public complaints, so consider sharing your story on social media (without sharing personal information) or on platforms like the Better Business Bureau’s page for Liberty Mutual.
Keep pushing and documenting everything; often, persistence pays off in these situations! Best of luck, and I hope you get to keep your car.