i notice they didn’t factor in the relative repair costs and wait times of a moderate collision for a Tesla 3 vs a Toyota Camry ...
wait times
Are a real issue.
And not just at Tesla.
That is why most provide a loaner.
A friend had a Mercedes with a cast-aluminum oil pan, a replacement was a long ways off. he had it welded.
His fault, a manhole sitting high he did not see.