You get the rebate for your first car don't you? Say you buy Leaf for $50k, you get $14k rebate, net $36k. You total new Leaf and replacement cost is $50k so you take settlement and buy new Leaf (without rebate) and are made whole. Is that not how it works?
Unless your insurance had the rider for full replacement value you may be out money.
Insurance payout will be for FMV at the time of the accident. Leaf’s are notorious for depreciating like crazy in the first year. Say car cost $40k ($46k after tax), fmv after 4 months is only about $22-24k and insurance won’t pay you tax on that. So basically you are only getting about 50% what you paid.
Per the rebate conditions, you would also owe the rebate back if you don’t fix that car up and get it back on the road. Replacement vehicle wouldn’t get a rebate as the program is over.
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