I added EAP (6k) and FSD (lucky, 2k) to my 2018 RWD LR Model 3 after purchase. I have been going in circles trying to pin down my State Farm insurance agent as to whether those features would be considered in valuing the car if it were totaled. Traditionally, after-purchase add-ons are not, but with software upgrades that make the car identical to what it would have been if the features had been on the original invoice, not so simple.
Seems like the industry is still trying to figure this out. Kelly Blue Book trade in value for my car gives me option to include EAP as a feature, which bumps the value by $3,300. No option for FSD.
Edmunds shows only "Adaptive Cruise Control", which in 2018 was one feature of EAP - a trade-in value bump of $980. No options for the rest of EAP, or of FSD.
If my car were totaled, I would be really unhappy if my insurance company based replacement value on the car without EAP/FSD, and I had to shell out $11k or whatever it is now to replace the features on my new vehicle! I would be willing to pay a higher premium to have EAP/FSD listed on my policy.
Anyone addressed this with their insurance companies?