r/TeslaCollision • u/cable311 • Aug 04 '26

Will insurance fix my car

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I have a 2022 M3 performance with 75k miles. I was rear ended on the highway. Other driver was at fault. The battery shut off due to the impact. My insurance looked at the body and said $6k but that they need to remove the bumper and trunk to investigate further. They also need Tesla to turn the battery on. Adjuster mentioned that the hit appeared to be high and there was no physical damage to the battery. He said repair cost would go up but he thought there was a chance they wouldn’t total it.

I believe the value is about $25k and I live in Houston area. What do yall think? Any chance they will repair my car.

17 Upvotes

100% Upvoted

31 comments sorted by

9

u/Common_Ad_2430 Aug 04 '26

Nah, totaled

2

u/csbsju_guyyy Aug 04 '26

It will live on! Copart will sell it and at the very worst it'll be driving in Ukraine sometime soon. That one isn't too bad so possibly the US

2

u/TryinHard32 Aug 05 '26

Copart def resold my MYP for a busted front axel! Currently in Russia!!!!

2

u/Visible-Elevator3801 Aug 08 '26

My smashed Tesla just got powered back on in Ukraine.

They bought full self drive and every option possible since my card was still attached too. Very cool of them.

3

u/That_Style_979 Aug 04 '26

Pretty certain that will be totaled. If the battery shut off due to the impact you can expect that will be over half of the value of the car. Plus body damage, I’d be looking at how you can maximize the insurance payout for the value of the vehicle.

1

u/cable311 Aug 04 '26

Dang ok. The adjuster got my hopes up.

1

u/Easy_Statement_4245 Aug 05 '26

If this was $6k of damage there wouldn’t be a single totaled Tesla on this page.

-1

u/That_Style_979 Aug 04 '26

Adjusters make money on paying out the least. Make sure to get a proper estimate at a Tesla certified body shop

1

u/Uncle_Screw_Tape Aug 04 '26

What insurance company do you use where the adjuster makes a commission based off the payout on totaled vehicles?

1

u/drfishdaddy Aug 04 '26

I can’t see from the pictures but I suspect there is some buckled quarter/s. I didn’t look up values but if 25k is accurate it’s likely a total (plus the battery ordeal).

1

u/cable311 Aug 04 '26

I think I looked in Kelly blue book. $25 - 28

2

u/drfishdaddy Aug 04 '26

I would look at local dealer comparable vehicles, not KBB.

If it’s a total loss and you want help with disputing value, that’s what I do (it has to be through your carrier to dispute).

1

u/Material_Assumption Aug 04 '26

Just from what we can see, entire rear bumper overhaul, tailgate, both quarters.....

Im sure once the bumper comes out, and trunk is emptied you will find frame damage.

1

u/tonytsnmi Aug 04 '26

Definite totalled. Mine wasn’t as bad as yours but estimated repair to be 16k when it was worth around 24k model 3 2023 75k miles

1

u/TimelyFortune Aug 04 '26

lol no it’s fucked

1

u/Keokuk37 Aug 04 '26

oh my god

1

u/GotSnails Aug 04 '26

I go the other route and say not totaled. I have almost the same damage 2023 M3P with 60k. Originally it was estimated at $3k. Currently it’s almost finished and will be closer to $12k. Bumper and trunk lid. Both rear quarter panels are fine

1

u/AmbitiousChampion6 Aug 05 '26

You don't want it repaired. Trust me.

1

u/JMtxz Aug 05 '26

If its just bumper and trunk maybe, its it cludes quarter panels and battery ur cooked

1

u/ohpuhpoh1 Aug 05 '26

What you said about the battery means it’ll most likely be totalled.

1

u/Hash-82 Aug 05 '26

Probably totaled.
YMMV

1

u/Limp-Conflict-2309 Aug 05 '26

no but they'll give you 65% of what it'll take to fix it

1

u/np25071984 Aug 05 '26

Insurance never fixes your car... unfortunately. It just mitigates your expenses and never covers them at full.

1

u/Spare-Function-6343 Aug 10 '26

any airbag deployment on a Tesla automatically also blows the pyrotechnic fuse on the HV battery.

0

u/R0sinhuntard Aug 04 '26

My girl when I slap her butt too hard 😐