Our State of Insurance report
(page 58) shows that an accident in New Jersey has an average impact of $1,228 in additional premium per year. Since accidents will impact rates for 3 years, it may make the most sense to cover the damage on your Tesla out of your own pocket. Although the accident may have happened in Texas
, the impact to your rate has to be considered for New Jersey
since that is the state where your policy is written. If you can't afford to cover the damage yourself then the only other option would be to file a claim. You should also look into having your policy changed over to Texas if you are now living in the state full time. Your claim probably won't be denied, but you're required to insure your vehicle using the address where you currently reside.