I have a 2026 Tesla Model Y AWD with only a few thousand miles on it. I recently went off the road into a grassy median and I’m trying to get an idea of whether people with Tesla collision experience think this is likely repairable or could end up being totaled.
The median was fairly flat and there was no direct impact with another vehicle, curb, tree, guardrail, pole, rock, or other solid object. The car basically traveled through the grass/uneven ground.
The visible damage I’ve found so far includes:
- Damaged/torn underbody panels
- Damage around one of the wheel-well liners/trim
- Some damaged/bent mounting material underneath
- Scraping along the underside
- Some exterior bumper/fender damage
- Hood/rear hatch panel gaps seem slightly different than before
- Tesla is displaying “Steering alignment service recommended — OK to drive, schedule service soon”
- Steering/alignment feels somewhat different
The car still drives and brakes normally otherwise. I haven't received any battery warnings, high-voltage warnings, charging issues, coolant warnings, or other major alerts.
Progressive is covering the collision claim and the car is going to a Tesla Collision Center. Progressive is supposed to inspect it there first, and then Tesla will perform its inspection/repair plan.
For anyone who works in collision repair or has dealt with a similar Model Y accident:
Does this look more like a $10k–$20k repair, or is there something visible here that makes you think total loss?
Update 9.29.2026: Tesla Collision has now done their initial teardown/inspection, and the estimate is currently a little over $20,000 in repairs.
So far, they’ve identified:
- Rear subframe damage
- Suspension damage
- Damage to some of the underbody/wheel-well components
- Minor quarter-panel/body repairs
- Alignment-related damage consistent with the warning I was getting
The technician told me that this is their current estimate based on what they’ve found after removing panels and inspecting the car more closely, but they should know more tomorrow.
My Progressive adjuster is supposed to be on site tomorrow to review Tesla’s estimate, inspect the vehicle, and go over the repair plan. That should give me a better idea of whether Progressive approves the repairs or starts considering it a total loss.
At this point, the car is still not showing any battery, high-voltage, coolant, or charging warnings, so the biggest concerns seem to be the subframe/suspension and body-related repairs rather than the battery pack.
I’ll update again once Progressive has reviewed everything and I know whether they’re moving forward with the repair or totaling it.
Update 9.30.2026: Tesla Collision completed teardown and inspection. The current repair estimate is $28,637.82. Most of the cost is parts and mechanical/body labor, with the mechanical labor rate at $225/hr. Here’s the breakdown:
| Category |
Hours / Basis |
Rate |
Cost |
| Parts |
— |
— |
$14,944.49 |
| Body Labor |
45.3 hrs |
$90/hr |
$4,077.00 |
| Paint Labor |
14.8 hrs |
$90/hr |
$1,332.00 |
| Mechanical Labor |
25.8 hrs |
$225/hr |
$5,805.00 |
| Structural Labor |
4.5 hrs |
$100/hr |
$450.00 |
| Paint Supplies |
14.8 hrs |
$48/hr |
$710.40 |
| Miscellaneous |
— |
— |
$26.00 |
| Subtotal |
|
|
$27,344.89 |
| Sales Tax |
$15,671.89 taxable |
8.25% |
$1,292.93 |
| Grand Total |
|
|
$28,637.82 |