this post was submitted on 21 May 2024
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[Dormant] Electric Vehicles

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[More than a scratch, smallish collision] Why your car Insurance is Ripping you off by Throwing Your Brand New EV Away After a Scratch [25:11 | May 19 24 | Rich Rebuilds] (youtu.be)
submitted 6 months ago by jimmydoreisalefty to c/evs
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cross-posted from: https://lemmy.world/post/15644527

Today we find out how your insurance company is throwing away perfectly good EV Cars due to a mere scratch

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[–] jimmydoreisalefty 13 points 6 months ago* (last edited 6 months ago) (1 children)

Summary

  1. Insurance companies lack infrastructure and expertise to handle EV repair, leading to total write-offs for minor damage. This results in significant financial losses for EV owners.
  2. MLM Diagnostics and other third-party repair shops play a crucial role in keeping EVs on the road by troubleshooting and repairing them, even without OEM diagnostics.
  3. The case of the Rivian R1T truck highlights the importance of thorough inspection and understanding of EV systems. The insurance company missed bent studs on the battery tray, leading to an unnecessary total write-off.
  4. There is a need for industry certifications and support for third-party repair shops to ensure that EV owners have options beyond OEM repair services.
  5. IMI is working towards establishing industry certifications for EV repair, providing a solution for customers who want to keep their EVs on the road. This collaboration between insurance companies and third-party repair shops can lead to cost-effective repairs and reduced insurance rates for EVs.
  6. The conversation with Rivian shows a shift towards more support for third-party repair shops, indicating a positive direction for the EV repair industry.
  7. The overall lack of expertise and infrastructure for EV repair leads to a higher likelihood of EVs being deemed “junk” and sent to scrap yards, which is detrimental to the environment and the EV industry as a whole.
[–] [email protected] 6 points 6 months ago (1 children)

Non-american here, so maybe a stupid question: How are the insurance companies compensating the owners if they decide to needlessly scrap their car? Shouldn't owners get marked value of the car with which they can buy an equivalent car?

[–] ChihuahuaOfDoom 4 points 6 months ago (1 children)

Unless your insured for replacement value, you are getting a depreciated value of the vehicle which is never enough to replace it with the same thing without going out of pocket.

[–] PlantObserver 4 points 6 months ago

If you're driving a brand new $60k vehicle (EV or not) and don't ask for replacement value coverage you're living fast n loose IMO