Tesla inquired whether I intend to use my Tesla insurance for repairs. I need some guidance! A U-Haul was involved in a hit-and-run that damaged three vehicles, including my brand new 2025 Model 3 with only 100 miles on it, which has now been totaled.
They’re asking if I want to file a claim with my insurance, but I’m not sure how this works. What do you all recommend? I’m new to this process.
I’m really sorry to hear about your accident—it sounds really frustrating, especially with your new Model 3. When Tesla is asking if you want to use your Tesla insurance for repairs, they typically want to know if you plan to handle the repair costs through your insurance policy instead of going through another party (in this case, the U-Haul’s insurance).
Here are a few steps you can take to navigate this situation:
Contact your insurance provider: Start by reaching out to your insurance company to explain what happened. They can guide you on the best course of action based on your policy and the specifics of the accident.
File a claim: Since it’s a hit-and-run, you may need to file a claim with your own insurance, especially if you can’t identify the other driver. They can assist you in getting your Model 3 repaired or replaced, depending on the situation.
Get the details: If there’s any information available about the U-Haul (like license plates or witnesses), make sure to gather that information for your claim.
Consider your coverage: If you have comprehensive or collision coverage, it may cover your damages, but there might be a deductible involved. Your insurance agent can clarify this.
Follow up with Tesla: Once you have more information from your insurance, you can communicate with Tesla regarding your decision. If you choose to utilize your Tesla insurance or another insurance provider, let them know.
It’s a tough situation, but getting in touch with your insurance should help you understand your options better. Good luck, and I hope everything gets resolved smoothly!