Why won't my insurance recognize or cover Tesla labor rates?
I was at fault for an accident in my new Tesla Model 3. I have Progressive insurance and they do not recognize Tesla labor rates. They will pay up to $44 for labor in my area and that is it. They do not pay for aluminum. They also do not use OEM parts, they use a variety of used and remanufactured parts for repairs. This will void my car warranty. I was told I would need to pay my deductible and all labor and materials they do not cover. Is this legal?
Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not. You can always seek legal advice and consider adding OEM coverage as an endorsement for your next policy. If you have any further questions, don't hesitate to ask.
Insurance is complicated, but it doesn't have to be.
The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.
Step 1: Tell us a little about yourself
Choose an insurance product and enter your zip code to get started.
Step 2: Sip your coffee while we find the best quotes
Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.
Step 3: Compare your quotes
Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.
Step 4: Let our agents do the hard work for you
Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.