Tesla Totaled? Check the FSD Line Before You Sign
Most insurers price a total loss with CCC ONE, which builds your payout from comparable listings. Listings can't see software — so a purchased Full Self-Driving package ($8,000 today, up to $15,000 at its peak) is can be credited at a small fraction of that ($915 in our documented case). Stack on thin EV comp sets and the first offer can sit thousands below a defensible value.
A documented dispute — our founders' own claim
$17,262 → $29,155
On a 2019 Tesla Model 3 total loss, State Farm's CCC ONE report credited the purchased FSD package at $915 (Tesla's price was $8,000) and built the value from comps clustered at the same dealer. Disputing both, line by line, moved the agreed value up $11,643 — +66% over the first offer, both before the $250 deductible. This is our founders' own documented case, not a customer testimonial. Results vary. Not legal advice.
Pick your Tesla
Model-year pages include an estimated pre-loss value, the specific ways CCC comp sets miss that model, and the dispute playbook.
Why Tesla total-loss offers come in low
- FSD and software options are invisible to comps. A listing photo can't show a $8,000 software package, so comp-based valuations can credit it at a fraction of its price unless you force the line item.
- Thin EV comp sets. Outside high-volume markets, CCC fills its comp set with high-mileage, distant, or single-dealer listings — each one a strikeable comp.
- Trim and options collapse. Long Range, Performance, tow and seat packages get flattened into whatever the comp set happens to carry.
Repaired instead of totaled? See diminished value — a different claim with its own math.