Call insurance for two small but deep scratches on model S from a rock (or something)on the road?

Facebook ecWQ72
Jan 23 22 Comments

I have comprehensive coverage and a 500 deductible. I own the car (but paying the loan), it is in perfect shape other than these unsightly scratches.
Given how expensive repairs on these cars are, I am considering it, but I am concerned about a large rate hike. Currently paying 1000 a year with progressive.
Should I pay out of pocket or call the insurance

Estimate came at $2500. It is barely dented

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TOP 22 Comments
  • Amazon / Eng
    unclebejjo

    AmazonEng

    PRE
    Veritas Software
    unclebejjomore
    Seems like you spent all your money on your Tesla because your camera sucks.
    Jan 234
    • Facebook ecWQ72
      OP
      Its a pixel 2XL. If anything, I suck at taking pictures
      Jan 23
    • Amazon / Eng
      unclebejjo

      AmazonEng

      PRE
      Veritas Software
      unclebejjomore
      Haha
      Jan 23
    • New Qvsf58
      That's what he said. Try a real phone like XR, buddy.
      Jan 23
    • Facebook ecWQ72
      OP
      I am not your buddy, guy!
      Jan 24
  • New shMx30
    Get your car wrapped. Worth the money and Tesla’s are known to have finicky paint jobs
    Jan 233
    • Facebook ecWQ72
      OP
      The scratch is pretty deep. I don't think wrapping would have helped with this one, but sounds like a good idea
      Jan 24
    • Facebook ecWQ72
      OP
      I got an estimate today. It is $2500. Seems like it will be worth going through a comprehensive insurance claim
      Jan 24
    • New shMx30
      Good luck!
      Jan 24
  • Microsoft BarFoo
    Have you tried touch up paint?
    Jan 232
    • Oracle
      v^v^v^v^v

      Oracle

      PRE
      Google, Facebook, Instacart, Twitter, Uber, Air Asia, IBM, Cisco
      v^v^v^v^vmore
      This.
      Jan 23
    • Facebook ecWQ72
      OP
      It just happened an hour ago.
      I guess I should just calm, take it to the body shop and see how much it would cost to fix it.
      If i try to paint it myself I will ruin it 1100% guaranteed
      Jan 23
  • Google nlxS44
    Wow, I’m surprised your premium is so low for a Model S. It’s definitely $1000 per year and not per six months? May I ask what your liability limits are? Been shopping for insurance lately myself.

    IMO you should consider paying out of pocket if you can afford it and it’s relatively cheap (< $1000). Any claims will hurt you.
    Jan 232
    • Facebook ecWQ72
      OP
      My collision deductible is 2500. That helps a lot and keeps me from using it.
      Last year the PLASTIC skirt got scratched and bent and that was 1700. I am imagining this will not go for less than 4k
      Jan 23
    • Facebook ecWQ72
      OP
      I pay for two cars. The tesla portion is 500 for 6 months
      Jan 23
  • Google nooglerx
    As per what happened with me and what progressive told me is that comprehensive claims don’t count towards insurance rate increase. I also used it for rock dent on my car and insurance rate had no changes (it went down after six months)
    Jan 231
    • Facebook ecWQ72
      OP
      Thanks!!!!!!!
      Jan 23
  • eBay Iwtpb
    I think I know who you are from that pic
    Jan 231
    • Facebook ecWQ72
      OP
      You can tell from some of the pixels?
      Jan 23
  • Amazon kuchnai
    There’s this compound that you can buy on amazon which merges the scratch with the neighboring areas like photoshop blemish removal tool. If you car is tooooo shiny it may stand out depending on how big the scratch is, but if it’s matte it might work perfectly. I’ve used it on my car multiple times.
    Jan 231
    • Facebook ecWQ72
      OP
      If i mess up will I still be able to use insurance?
      What's the compound name?
      Jan 23
  • Facebook ecWQ72
    OP
    Jan 230

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