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Insurance rates will remain low as Teslas are already involved in 6x fewer crashes. By the time CT comes out it will be lower still.
Not being able to use filler is one of the reasons I'm getting a CT. Any repair will have to be done properly, and if I'm not happy with the blending, I can blend the entire truck myself. Plus, I may simply not care about scratches like I do on a pretty painted car.
I suspect all the CT panels will be bonded and riveted, so panel replacement will be the way to go. Body shops charge insurance the cost of a new fender then use that money to bog up the damaged one. So it will force body shops to be more honest.
There also won't be any hail damage claims.
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