Please make sure that you have adequate property damage limits, as well as adequate liability limits.
Our 2013 Toyota Venza was parked on the street, when a 2020 Tesla sideswiped my car. The Tesla owner has only $20,000 property damage limits. My was was totaled and valued at over $20,000. Imagine if the driver was in a two or three car accident. He would be terribly underinsured!
I have to claim on my policy under the uninsured/underinsured. My company will cover the loss and go after the Tesla owner to be reimbursed.
Be sure that you are also covered for uninsured/underinsured coverage under your policy.
I thought since the guy had a Tesla, he had plenty of insurance! Wrong, I was glad I was properly insured.
PS: It’s months to get a new Toyota Venza! So we will be without a second car for months! Look forward to a new Venza with all the fancy safety features!