News
Model S Owner Endures Insurance Woes Over Repairs


A minor accident turned into a major repair headache for this New York based Tesla owner. (Source: Standard Code)
Last month, a Tesla Model S owner documented a small accident in Midtown Manhattan and surprised the TMC discussion board by revealing that his car was to be declared a total-loss by his insurance company, Costco Insurance Agency. The damage occurred to the outside of the wheel-well, the tire and the certified shop also claimed some damage to the suspension, see image above.
From the surface, it looked to be a small amount of work but the total bill after being sent to a certified Tesla repair shop was $30,000, which included $10,000 in parts and $20,000 in labor. The kicker was that Costco Insurance initially decided they’d rather declare the car a total loss than pay $30k+tax for repair.
So the discussion on the board turned to replacement value with his insurance company and this is where the frustration started. The owner documented the back-and-forth with his insurance company and realized that it would be quite a financial hit with the replacement option. The owner originally paid $104,000 for Model S85 and received it in December 2013.
According to the owner, the insurance company had no Kelly Blue Book value to lean on and wielded its own internal formula for the car’s value. The Tesla discussion board and owner calculated a $75,000 replacement value for his year-old car, which included sales tax. The owner, known as standardcode, was not really happy with that amount due to his financing, which had him on the hook for another $70,000 US Bank for the car. There was a lot of discussion on depreciation and commenters felt the depreciate in this case was pretty accurate.
The thread generated many other related topics. Some discussion centered around the owner’s initial frustration with Tesla’s pre-paid service agreement that’s not transferrable to another car or owner. However, the owner said that after talking with Tesla Motors during this process that they would prorate his agreement to his next purchase.
Also, others mentioned on the board that other luxury cars would not have been totaled due to such a small amount of bodywork, but some pointed out that a new Model S means the ability to add recently added features (can you say P85D).
Throughout December 2014, we have been talking with standardcode and found out the ordeal was still fluid and the insurance company was reconsidering (Clean Technica reported it was a done deal). Early this month, standardcode told me that Ameriprise reconsidered and did pay for the repairs that came to $35,000.
In an email to Tesla Motors this month, the owner wrote, “the body shop was obviously good at what they do and they communicated well too. They even sent me pictures of the work constantly. Having said that I still think $35,000 to repair the damage my car had is very high and I do still think that Tesla as a company needs to worry about the full ownership lifecycle including repairs etc.”
He went on to write, “All in all, I recognize that it was Ameriprise that caused me the headaches here and wasted a lot of my time.”
Standardcode picked up his repaired car in early January and mentioned “the most important lesson I learned is to have better insurance with replacement value. I guess there’s some legal risk to it but I’d have appreciated advice on which insurance is best when I first purchased the car.”
This tale, to me, is all about growing pains for a low-volume automaker. There’s been discussion about the car’s aluminum body as a reason for the high cost for parts and also the lack of certified Tesla body shops at this point for driving up repair costs? In Chicago, there’s only one certified body shop in the metro area.
What about your experiences? What has your experience been like with insurance companies and certified repair shops?
Addendum:
taurusking via the TMC discussion board mentioned that State Farm , AllState and Geico were top rated but the website did not specify by region. I switched from Geico ( was very happy with their customer service ) mainly because Liberty Mutual offers Better Car Replacement pkg.
Elon Musk
Kia gains Tesla Supercharger access and issues a big apology
Kia gained Tesla Supercharger access and respect from Tesla fans in the same day.

Kia has announced that owners of the EV6, EV9, and Niro EVs have officially gained access to over 21,500 Tesla Supercharger locations in North America.
However, its announcement also contained an apology to Tesla.
First, Kia said that its three EV offerings will have access to Tesla’s expansive Supercharger Network. More than 40,000 DC fast chargers are available to Kia EV drivers, a major uptick as Tesla Supercharger access nearly doubles the number of accessible piles.
Sean Yoon, President of Kia North America and Kia America, said:
“Kia is committed to an exceptional ownership experience, and expanding the network of available DC fast chargers to our EV customers is an important component to maintaining the brand’s leadership in electrified mobility. Now, with access to the Tesla Supercharger network of DC fast chargers, our EV owners can feel even more confident in their decision to purchase or lease a fully electric Kia vehicle.”
Kia owners who have a CCS1 Charging Port will have access to an NACS adapter through dealerships. This will enable compatibility, as current inlets are not NACS, the port that Tesla utilizes.
However, Kia will eliminate the need for this adapter starting with the 2025 EV6 and 2026 EV9. These will come standard with NACS inlets.
We mentioned Kia included somewhat of an apology to Tesla, which is related to social media posts from “certain Nordic distributors,” as the company puts it:
Kia paid for a front page ad on Finland’s largest newspaper to mock Elon Musk and Tesla.
Translation: “Oh, These Days of Life. If you’re unsure about driving an american electric car, welcome to the Helsinki Exhibition Centre to admire the cars of the new age.”
It’s a play on… pic.twitter.com/XfwOJVIGll
— Nic Cruz Patane (@niccruzpatane) April 5, 2025
Kia said in its announcement:
“Kia America is aware of marketing posts by certain Nordic distributors. These initiatives were developed entirely independently by those distributors, without direction from Kia America, Kia Europe or Kia Global. We want it to be clear that these posts do not reflect the position of Kia America, and we remain committed to clear and professional communication that reflects our values.”
The company also said that it “condemns the recent attacks that disrupt the availability of convenient and affordable charging for our customers.”
Elon Musk
Tesla adds new child protection feature to mobile app
Tesla is rolling out within its mobile app a new feature that aims to save the lives of those forgotten in the car.

Tesla is bolstering its in-car safety system with the addition of a new feature that aims to protect children left in the vehicle, an extension of a feature it introduced with the addition of 4D radar systems.
Children are, unfortunately, victims of accidents even when a vehicle is not in motion. A report from 2024 noted that 37 children under the age of 15 die each year because they are left in cars, usually dying from heatstroke.
Tesla has made a few attempts to eliminate the possibility of this happening. Back in September, coding from Software Update 2024.32 noted that the company would be using an alert system to warn people of children left behind:
Tesla set to roll out new child safety and navigation features, coding shows
This was enabled by the use of a wave sensor within the cabin, a piece of tech Teslarati found in a filing back in 2021 with the FCC.
The entire idea behind this addition to the vehicles was to alert owners if there were passengers left in the car.
Now, Tesla is adding another level of this to its mobile app, according to a decompile of the Version 4.44.0 update, which is rolling out to customers now.
Tesla App Updates on X revealed a “Child Left Alone Detection” feature in the new app version, which has a few strings from a software perspective:
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Cannot turn off climate when Child Left Alone Detection is active
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Climate failed to start. Climate is unavailable when Child Left Alone Detection is active.
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Climate controls are disabled when Child Left Alone Detection is active
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Unable to start software update while a child is detected in your vehicle
It appears that, if the vehicle detects a child or another occupant in the car, climate controls will be disabled through the app in an attempt to maintain a proper cabin temperature. Turning the temperature up or even turning climate control off from the app will not be possible.
This is a major update to this feature as it only bolsters the safety of the occupants in the event that they are left behind. Of course, many of us might ask, “How do you leave a child in the car?”
However, it happens, as past events have shown, and this is a great way to eliminate it from happening in Tesla vehicles.
News
Tesla FSD ruins other intelligent driving systems for NIO Superfan influencer
“Since I drove FSD, I have been disenchanted with all the ‘driving assistance’ of domestic brands,” Lee wrote.

Tesla Full Self-Driving (FSD) has been making waves in China, with owners pushing the system to its limits on what appears to be a regular basis. Videos of Tesla drivers in China show FSD navigating the trickiest of roads, from busy city streets to narrow, unpaved paths in rural areas.
And as per an influencer and NIO superfan, FSD is ruining other driver-assist systems from other automakers in China.
FSD Ruins It For Influencer
China-based influencer and NIO superfan Andy Lee recently shared his thoughts about FSD on social media. As per Lee, Chinese intelligent driving systems are overhyped by marketing. But once he personally experienced FSD’s capabilities, he became disillusioned with the offerings of domestic carmakers.
“Since I drove FSD, I have been disenchanted with all the ‘driving assistance’ of domestic brands. I once thought that the ‘driving assistance’ of domestic brands could beat FSD in seconds, but it seems that I was wrong. Not only did they fail to outperform FSD, they were actually crushed in reverse,” Lee wrote in his post.
FSD could very well become Tesla’s moat since even cars that are equipped with the same hardware would not be able to perform similarly unless they have access to the company’s training data and software. Tesla’s fleet is ever-growing as well, which means that FSD will only get better over the years.
Unsupervised on the Horizon
Tesla is already using FSD Unsupervised for its vehicles that are produced in the Fremont Factory and Gigafactory Texas. As per Elon Musk during the Q1 2025 earnings call, he expects Tesla to be able to roll out FSD Unsupervised to consumers before the end of this year. He also highlighted that Tesla is being extremely careful with FSD Unsupervised’s rollout.
“Before the end of this year. Not necessarily — I say within the U.S., like we do want to test — at Tesla, we’re absolutely hardcore about safety. We go to great lengths to make the safest car in the world and have the lowest accidents per mile in.
“So we want to be very careful. We want autonomy to be definitively safer than manual driving. So it’s not enough that it just be as safe. It needs to be meaningfully safer than if the car’s manually driven,” Musk stated.
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