How to File a Claim With Tesla Insurance

Contact the at-fault driver’s insurance provider to see if you are eligible to file a claim directly with them. Filing through the at-fault driver’s insurance provider does not require a deductible payment and may provide rental coverage and loss of use benefits that are greater than your per day or per occurrence limit of your policy.

If you don’t have a Tesla Insurance policy or don’t have a Tesla Account, you can get started and file a vehicle-to-vehicle accident claim with Tesla Insurance.

File a Claim

For all other inquiries, contact our Claims team at 1-844-34-TESLA.

When filing a claim, be prepared to provide the following:

• Tesla Insurance policy number
• VIN
• Make, model and model year of your insured vehicle
• Date of the incident
• Location where the incident occurred
• Brief description of the incident

A Claims Adjuster will be assigned to your claim and will provide you with instructions to submit any required documentation.

In certain cases, a police report may be required for coverage to apply. Regardless, we recommend reporting any incident to the police.

Processing time for a claim will vary depending on multiple factors. You can contact your Claims Adjuster for a status update on your Tesla Insurance claim.

You can view your policy documents and coverages in the Tesla app by following these steps:

1. Open the Tesla app.
2. Tap on the menu in the top-right corner.
3. Tap ‘Tesla Insurance.’
4. Tap ‘Manage.’
5. Tap ‘Documents.’

No. Your Safety Score does not have an impact on the outcome of your claim or how your claim is processed by Tesla Insurance.

You may choose any repair shop for your vehicle. For Tesla vehicles, repairs can be scheduled at a Tesla Collision Center or Tesla Service Center, where you'll receive our Limited Lifetime Guarantee — valid as long as you own or lease the vehicle. For non-Tesla vehicles, you can schedule with trusted partners in our Tesla Insurance Direct Repair Network, such as Crash Champions, which also includes this guarantee.

To get started, schedule a service appointment in the Tesla app and select a repair option tailored to your claim and vehicle — this will also provide you with an estimate. If you prefer a shop outside our network, you can request a photo estimate in the Tesla app for use at your chosen location. For assistance, contact your Claims Adjuster.

If you have Rental coverage as part of your policy, email us at claims@reply.teslainsuranceservices.com. You must include your Tesla Insurance claim number in the subject line of your email. After you contact us, allow up to two business days for your Claims Adjuster to respond.

When a vehicle is declared a total loss, the insurance company pays the owner or lienholder the actual cash value (ACV) of the vehicle, minus the deductible, rather than repairing it. The insurer typically takes ownership of the totaled vehicle to sell for salvage.

If your vehicle is insured with Tesla Insurance and needs a tow, contact Roadside Assistance. If your vehicle is not insured with Tesla Insurance, contact our Claims team at 1-844-34-TESLA for assistance.

If you are insured with Tesla Insurance and make a claim on your policy, a deductible is typically required.

If other parties are responsible for the damage to your vehicle, the Tesla Recovery team will take reasonable steps on your behalf to attempt to recover your deductible from the party responsible and reimburse it to you. Depending on the circumstances of your claim, it may take several months to resolve liability and other related issues with the party responsible and the insurance provider. If the Tesla Recovery team successfully recovers any monies, your deductible will be refunded in part or whole based upon the recovered amount and/or relevant laws.

For the most efficient experience, we recommend you submit claims through the Tesla app.

If you need assistance, you can contact our Claims team.