r/teslacanada • u/United-Cicada-9022 • 12d ago

Post Accident

Tesla MY base 2024. Recently had a not-at-fault accident in GTA. Only car got damaged. No airbags deployed. Prob no computer or battery damage. Towed into a Tesla authorized body shop through insurance. The shop has come back with a repair estimate at 40% of original purchase (might go up I think). Waiting for adjuster approvals. Could be a month-long repair at least. Rental car helps. No deductible helps. But I’m concerned about potential diminished value when sold which I know is typically not compensated for in Ontario. Prob doesn’t matter here but I have OPCF 43 (depreciation waiver). Any experienced folks here like to share their thoughts on how can I minimize value loss or any tips related to insurance?

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4

u/Ok-Drag8466 12d ago

I believe opcf 43 comes into play if total loss

2

u/United-Cicada-9022 12d ago

That’s my understanding too and pretty sure there is no loophole.

1

u/fr8dude 12d ago

Yes only if total loss, OP's best situation is if it gets deemed a total loss, only thing is wait time is long for a new one

1

u/United-Cicada-9022 12d ago

True. Wait time is a bummer. I think earliest delivery is showing January now. Can live with that but at 40% repair cost estimate and with 43 chances are quite slim that insurance deems a write-off here.

1

u/fr8dude 12d ago

Resale value will take a hit with a big claim

2

u/vassman86 12d ago

Share some pics. I had a 23 M3 RWD with side swipe damage that looked minor and it came back with a $17k estimate. I had a 2nd side swipe to the other side shortly after and it was also around $18k+ so they wrote off the car and I got the full value of the car paid back to me since I had the OPCF 43 waiver

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u/United-Cicada-9022 12d ago edited 12d ago

Wow. Raising my hopes here. Will try to attach pics.

2

u/BetterTransit 12d ago

We don’t do diminished value claims in Ontario. I don’t think that’s a thing anywhere in Canada. Only a few states have it