I have questions about what auto shops you think are doing recalls because it’s only Tesla’s service centers are going to be legally allowed to perform the recall (that’s how it works for every automaker). So it’s the same place they’re already going to protest (in most cases) and the same insurance. Regardless, the recall isn’t an “insurance thing per se” because Tesla the company is the insurance in this case. They will be footing to bill for any and all repairs done under recall. And more than likely the recalled vehicles won’t be sitting around the shop or lot waiting for parts because it’s up to consumers who will absolutely take their vehicle and leave if parts aren’t in stock.