Most rental car insurance is for 1 month, which is enough to repair most cars. I am ok with losing my car for 1 month to repair. The problem with Tesla is that people get stuck with body repair queues that are ~6 months [0]
I guess you haven’t been keeping up or reading the replies to your own comments. Tesla has in house body work now to address this kind of thing. They are fixing the problems you have heard about.
[0] - https://www.sfgate.com/cars/article/tesla-repair-wait-time-c...