“To be blunt, purchasing a $100,000+ Tesla Model X for the NYC TLC industry is not a well thought out financial decision.”

You are too kind. It’s probably the STUPIDEST decision a driver could make, especially now in light of the denial of insurance revelations. This has to be emphasized. Add to that limited charging stations, long waits for collision repairs, the constant threat of deactivation from rideshare companies, and onerous note payments (~$2k monthly with $20k down payment and financing $80k at 8.5% over 4 years) and that is the making of a financial disaster. Quite frankly, you’re not going to get the financing if you can’t get collision insurance. The insurance company might actually be doing you a favor by denying coverage for your $100k Tesla. If you do manage to drive without collision insurance then you’re left hanging in the wind.