As a Tesla owner, if you want to be prepared in case of an accident, you may want to learn about the insurance claims process and find out what types of claims you can file within the app. You can also learn how to start and manage a Tesla Insurance claim within the app.
What Will Happen If Tesla Insurance Claims Your Vehicle as a Total Loss?
The definition of a total loss can differ based on your geographical location. Certain states define it as when the projected value of salvage, along with the estimated repair expenses, surpasses the market value of the vehicle. Your Tesla Claims Adjuster will assess whether your vehicle qualifies as a total loss and present you with choices for further action.
We hope that the information in this guide can assist you in easily navigating a Tesla Insurance claim if your vehicle sustains damage in an event.
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How Do You Know What Your Current Tesla Insurance Policy Will Cover?
Customers’ varying preferences and requirements align with the distinct offerings of Tesla Insurance. To ascertain the level of coverage provided by your policy, you can access your policy documents. These documents can be found by first clicking on your profile picture within the Tesla application. Next, select the options labeled “Documents,” “Claims,” “Manage,” “Insurance,” and “Account.” By clicking on these options, you can access your documents and also log into your Tesla online account.
What To Do After You File a Tesla Insurance Claim If Your Vehicle Is Not Drivable
If you are unable to drive your vehicle, you have a few alternatives. You can contact Tesla’s roadside aid crew and provide them with your claim number if you have submitted a roadside claim. They will dispatch help to a nearby service center to help you with a car lockout or to tow your vehicle.
While waiting for your reservation to be approved, you should consider making alternative transportation arrangements. Please keep in mind that it may take up to one entire business day for any reservation to be processed. To reserve a rental vehicle, please reach out to the Tesla team and request a rental car.
What To Do After You File a Tesla Insurance Claim If Your Vehicle Is Drivable
If your Tesla is in need of extensive repairs and you are unable to find a Tesla-approved Collision Center in your area, you may have to visit a Tesla Service Center to handle the repairs. However, if your vehicle is still drivable, you have the option to file an insurance claim and choose a location that can handle small-scale repairs. It is important to note that the team members at the Tesla Service Center have received ample training to ensure high-quality work, but they do not belong to Tesla and are not considered an external partner.
Prior to bringing your vehicle to any repair center, please use the Tesla app to request a repair estimate. Make sure to include your claim number when submitting the estimate request. Additionally, attach photos of the damage and your vehicle identification number in the body of your request.
What Types of Insurance Claims Can You File Within the Tesla App?
Through the Tesla application, you have the ability to submit various categories of insurance claims. This feature aids the team in determining the appropriate individuals to assign to your case while you are in the process of resolving your claim. The Tesla application will inquire about the specific category of claim you wish to submit.
Accident or Collision
If you have been involved in a collision or accident with another vehicle, you can file a claim under certain circumstances. For example, if your vehicle has rolled onto its roof or side unintentionally due to poor road conditions, it is applicable to file a claim. Finally, if your vehicle has collided with a stationary object like a median or a tree while you were driving, it is appropriate to file a collision or accident claim.
Comprehensive
If any part of your vehicle has sustained damage due to a wild animal, a natural disaster, a falling object, vandalism, or theft, you may file a comprehensive claim that encompasses all the parts of your vehicle.
Roadside
If you are unable to drive your vehicle, you can initiate a roadside claim. This type of claim is helpful in the event of another unforeseen problem or a flat tire. If you have had an unexpected breakdown due to the lack of proximity to a charging station or if you have been locked out of your vehicle, you may also request assistance.
Glass Only
If your vehicle’s windshield or windows have sustained damage, you may choose to file a claim for repair or replacement. This claim is only applicable for glass-related damage, specifically chips in the glass components of your vehicle.
How To Start and Manage a Tesla Insurance Claim
Therefore, when initiating your claim, it is essential to gather photographic evidence to support it. All parties involved, including passengers and yourself, should prioritize the collection of evidence to ensure the safety of everyone and to handle any cases of bodily injury or emergency situations. It is always advisable to call 911 in such situations. However, unless it is safe to do so, you should never submit your Tesla Insurance claim at the scene of the accident.
“Tesla Insurance does not inquire about whether your car actually incurred damage from the collision, thus it is crucial to promptly submit your claim. You have the option to provide some information, close the application, and resume your claim later in the day. However, it is important to note that you are not obligated to finish all aspects of the claim filing procedure in one go.”
Here are the procedures you can follow to initiate and oversee a Tesla Insurance claim through the application:
When you start your claim on the Tesla app, you might enjoy a more effective filing experience. Instead of waiting on hold for someone to be free, you have the option to be guided through the process by a live individual. If you would rather speak with a person to initiate your claim, you can contact the Tesla Claims team at 1-844-34-TESLA (Monday to Friday, 7:00AM to 5:30PM PT).