And somehow they will still find a way to charge us more than they do now.
What a rip off.

Adaptation. People will find a way to save money, and the insurance and repair shop will understand what it means when people vote with their money.

The issue is that Tesla has such a high marketshare and the vehicles were not designed for repairability or maintenance. Simple example - the first step to replacing the headlights on an S is to remove the wheels.

The biggest issue for EV repair-ability is insurances lack data and with not enough quantity yet on the road, many repair shops don't bother buying the tooling needed.

Thus you get into a situation where dealers quote high numbers because they don't want to deal with it and buy the equipment. And 3rd party repair shops quoting high numbers because the insurance who has no data lets them get away with it

End of the day, it is a teething issue that will be solved with more EVs on the road. Then insurance companies will have enough reason to deeper look into costs, and repair shops will be more willing to buy the equipment needed