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I imagine having the insurance under Tesla umbrella could make repairs cheaper in certain scenarios

If Tesla did quicker & cheaper repairs on cars insured by them, would that be illegal?

It would harm competing insurance companies significantly, and mean they can effectively corner the entire insurance market for their own cars.

It might be possible for them to argue this on the basis of a volume discount.

They get to source the parts at cost. I don't think that's illegal really. It's kind of like AppleCare, right?

Does Tesla own and run all their own repair shops or do they license and certify third party shops.

I think both