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?