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Question

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?

Jul 8, 2019 Columbia, MD

Answer
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Kristine Lee

Insurance Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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.

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