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Whether or not he was insured against this particular damage doesn't make the cost of the repair less outrageous. In the end, drivers will be paying for these repairs, whether directly or through "cheap" monthly insurance payments that hide these occasional events.

(I guess similar arguments could be made about other insurance markets)

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Yes, as you noted, you’re basically describing the general principle of insurance. :)

I don’t own a Tesla but insurance for their cars is already relatively more expensive in several states. This can be readily seen in annual or semi-annual policies. Monthly payment policies that cost more per annum are a concern to me, but don’t factor into underwriting analysis at the make/model level.

I was under the impression that the cost in insuring Teslas was down to the slow repair times, since insurance companies were often on the hook for rental cars while parts are on back order.

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