So, you've found yourself in a situation where you need to file a claim against Tesla Insurance. Whether it's a fender bender, a more significant accident, or another type of incident, navigating the insurance claim process can be daunting. But don't worry, we're here to guide you through it step by step! Let's get your Tesla back on the road.
Step 1: Secure the Scene & Gather Immediate Information
This is perhaps the most critical initial step to ensure your safety and lay the groundwork for a smooth claim. Your immediate actions can significantly impact the outcome of your claim.
Sub-heading 1.1: Prioritize Safety First
Check for Injuries: First and foremost, ensure the safety of yourself and any passengers. If anyone is injured, immediately call 911 (or your local emergency number). Your health and well-being are paramount.
Move to a Safe Location: If your vehicle is drivable and it's safe to do so, move it to the side of the road or a nearby safe area to prevent further accidents. If not, turn on your hazard lights.
Set Up Warning Signals: Use flares, warning triangles, or other safety devices if available, especially if it's dark or visibility is poor.
Sub-heading 1.2: Exchange Information with Other Parties
If another vehicle or property is involved, it's crucial to gather the following details:
Driver's Information:
Full Name
Contact Number
Address
Driver's License Number
Vehicle Information:
Make, Model, and Year
License Plate Number
Vehicle Identification Number (VIN)
Insurance Information:
Insurance Company Name
Policy Number
Contact Number for their Insurance
Witness Information (if any):
Name
Contact Number
Brief Statement of what they saw
Sub-heading 1.3: Document the Scene Thoroughly
This is where technology comes in handy!
Take Photos and Videos: Use your smartphone to capture comprehensive photos and videos of:
Damage to all vehicles involved from multiple angles.
The surrounding area, including road conditions, traffic signals, and any relevant landmarks.
Skid marks, debris, or any other evidence.
License plates and any visible VINs.
Injuries, if applicable.
The position of vehicles after the incident.
Note Down Details: Jot down the exact date, time, and location of the incident. Also, make a mental or written note of the weather conditions and any other pertinent details.
Dashcam Footage: If your Tesla has TeslaCam enabled, ensure you save the footage! This can be invaluable evidence. Click the square Dashcam icon, then 'All' and 'Recents' to save.
Step 2: Report the Incident to the Authorities
While not always required for minor incidents, it's highly recommended to file a police report for any accident, especially if there are injuries or significant damage.
Sub-heading 2.1: Contact Law Enforcement
Call the Non-Emergency Line: Unless it's an emergency with injuries, use the non-emergency number for your local police department.
Obtain a Police Report: Request a copy of the police report. This official document can be incredibly helpful for your claim, as it often includes an objective assessment of the scene and may determine fault. Note the report number for future reference.
Step 3: Initiate Your Claim with Tesla Insurance
Once the immediate aftermath is handled, it's time to contact Tesla Insurance. The faster you report, the smoother the process tends to be.
Sub-heading 3.1: The Fastest Way: The Tesla App
For Tesla Insurance policyholders, the Tesla app is the most efficient way to start a claim.
Open the Tesla App.
Tap the menu in the top-right corner. (Often represented by three horizontal lines or your profile picture).
Tap 'Tesla Insurance.'
Tap 'Claims.'
Tap 'Start New Claim.' Follow the prompts to provide details of the incident.
Sub-heading 3.2: Alternative Contact Methods
If you're not a policyholder but need to file a claim against a Tesla Insurance policyholder, or if you prefer speaking to someone, you have other options:
Phone: Call the Tesla Insurance Claims team at 1-844-34-TESLA (1-844-348-3752). They are typically available Monday - Friday, 6 AM to 5 PM PT.
Email: For questions about an existing claim, you can email them at claims@teslainsuranceservices.com. Always include your claim number (including dashes) in the subject line.
Mail: If you need to send physical documents, you can mail them to: Tesla Insurance Claims PO BOX 4000 Draper, UT 84020 Remember to include your Tesla Insurance claim number.
Sub-heading 3.3: What Information Will You Need When Filing?
Be prepared to provide the following:
Your Tesla Insurance Policy Number (if you're the policyholder).
Date, Time, and Location of the incident.
Detailed Description of what happened.
Information of all parties involved (as gathered in Step 1.2).
Police Report Number (if applicable).
Photos and Videos you collected.
Step 4: Work with Your Assigned Claims Adjuster
After filing your claim, Tesla Insurance will assign a claims adjuster to your case. This individual will be your primary point of contact throughout the process.
Sub-heading 4.1: The Adjuster's Role
Investigation: The adjuster will review all the information you provided, potentially contact other parties involved, and may request additional documentation.
Damage Assessment: They will arrange for an assessment of the damage to your vehicle. This might involve directing you to a Tesla Service Center or a third-party approved repair facility.
Determining Liability: Based on their investigation, they will determine who is at fault for the incident.
Estimating Repairs and Settlement: They will work with repair shops to get estimates and ultimately determine the cost of repairs or if the vehicle is a total loss. They will then negotiate a settlement.
Sub-heading 4.2: Effective Communication
Be Responsive: Respond promptly to any requests for information or documentation from your adjuster.
Keep Records: Maintain a detailed log of all communications with Tesla Insurance, including dates, times, names of individuals you spoke with, and a summary of the conversation. This is crucial for accountability.
Ask Questions: Don't hesitate to ask your adjuster questions about the process, coverage, or timelines.
Sub-heading 4.3: Repair and Total Loss Scenarios
Repair Facilities: Tesla Insurance partners with Tesla Service Centers and third-party providers. You often have the option to choose a non-Tesla shop as well. Discuss your repair options with your adjuster.
Total Loss: A vehicle is typically declared a total loss if the repair cost plus anticipated salvage value is greater than the market value of the vehicle. Your adjuster will guide you through this process if it applies.
Rental Car: If your policy includes rental coverage, your adjuster will provide instructions on how to arrange a rental car. You might need to email
rentals@reply.teslainsuranceservices.comwith your claim number.
Step 5: Understanding Your Policy & Deductibles
It's vital to understand what your specific Tesla Insurance policy covers and what your financial responsibilities are.
Sub-heading 5.1: Review Your Policy Documents
Access in Tesla App: You can access your policy documents directly in the Tesla app:
Open the Tesla app.
Tap the menu in the top-right corner.
Tap 'Tesla Insurance.'
Tap 'Manage.'
Tap 'Documents.'
Understand Your Coverage: Familiarize yourself with your liability, collision, comprehensive, and any additional coverages (like roadside assistance, rental car, or special Tesla-specific coverages like autonomous vehicle liability or wall charger coverage).
Deductibles: Know your deductible amounts for collision and comprehensive claims. This is the amount you'll typically pay out-of-pocket before your insurance coverage kicks in.
Sub-heading 5.2: Subrogation and Deductible Reimbursement
If another party is responsible for the damage to your vehicle, the Tesla Recovery team will take steps to attempt to recover your deductible from the at-fault party. If successful, your deductible will be refunded.
Step 6: Finalizing the Claim
The last step involves getting your vehicle repaired and settling any financial aspects of the claim.
Sub-heading 6.1: Repair Authorization and Execution
Once the damage assessment is complete and estimates are approved, repairs will be authorized.
Stay in communication with the repair shop and your adjuster regarding the progress of the repairs.
Sub-heading 6.2: Payment and Release
Once repairs are complete, you'll pay your deductible (if applicable) directly to the repair shop.
Tesla Insurance will then pay the remaining approved repair costs.
For total loss claims, you will receive a payout for the market value of your vehicle (minus your deductible).
You may be asked to sign a release of claims once the settlement is finalized.
Frequently Asked Questions (FAQs) About Tesla Insurance Claims
How to file a claim with Tesla Insurance using the Tesla app?
Open the Tesla app, tap the menu (top-right), select 'Tesla Insurance,' then 'Claims,' and finally 'Start New Claim.' Follow the prompts to submit your details.
How to contact Tesla Insurance directly for claims?
You can call their Claims team at 1-844-34-TESLA (1-844-348-3752), available Monday - Friday, 6 AM to 5 PM PT. For existing claims, you can email claims@teslainsuranceservices.com.
How to find my Tesla Insurance policy number?
Open the Tesla app, tap the menu (top-right), select 'Tesla Insurance,' then 'Manage,' and finally 'Documents' to access your policy information.
How to check the status of my Tesla Insurance claim?
Contact your assigned claims adjuster directly using the contact information they provided after you submitted your claim.
How to get a rental car after filing a Tesla Insurance claim?
If you have rental coverage, your assigned adjuster will provide instructions. You may need to email rentals@reply.teslainsuranceservices.com with your claim number.
How to send documents to the Tesla Insurance Claims team?
Your assigned adjuster will give you instructions. You can typically reply to their communications with attachments, or mail documents to the provided PO Box.
How to get my Tesla repaired after a claim?
Tesla Insurance partners with Tesla Service Centers and third-party repair shops. Your adjuster will guide you on approved repair locations, or you can choose a non-Tesla shop.
How to deal with a total loss claim with Tesla Insurance?
Your Tesla Claims Adjuster will determine if your vehicle is a total loss (repair cost + salvage value > market value) and will be your primary contact for questions and the settlement process.
How to recover my deductible from Tesla Insurance?
If another party is found responsible for the damage, the Tesla Recovery team will attempt to recover your deductible from them and reimburse you.
How to get help if I'm having trouble filing a claim with Tesla Insurance?
The most efficient way is through the Tesla app. If you need further assistance, contact their Claims team directly via phone at 1-844-34-TESLA.
