Rogue Skunk
Member
I discussed EV and House Insurance with a friend of mine who owns an insurance agency, and I drilled him for information, what he said was EV and house insurance is still under study and risk assessment, in short it means insurance underwriter's are going to hit you in the pocket eventually, right now EV's pay higher premiums but look for the rates to jump, if you own a house and EV where you park and charge in the garage or driveway by the house, you will see a significant rate hike, it gets worse, if you have a house/building within X amount of feet from your house and EV, there is another rate hike, I did not get how many feet are they talking about because its under review, my question was what if I have a house on both sides of me and the two houses charge EV's in their garage, am I screwed as do I stand a chance of getting my rates hiked, he said possibly, so Im basically subsidizing somebody else's bomb, I live in the country in a small subdivision with large properties, I have 50 feet each side of my house before I can touch my neighbors houses, but each neighbor own ICE vehicles, ok I might be safe, but it still doesn't mean my rates wont go up.
Right now Tesla has the highest accident rate of any brand, reason insurance companies find is many Tesla owners are not used to the high amount of torque, many are coming off of ICE cars where the petal to torque is much tamer, ok we're no talking Challenger Red Eye owners here, so these people are coming off your average accelerating car into a torque monster, and you wonder why my rates went up where I have no violations and everything is paid for, mind you there is the same problem with EV's made by other OEM's but there are much fewer of their units, EV's are expensive to fix, if you get a dent on the under panel of the battery, the insurance company will force a battery change, and thats big money, this stuff is all noted and entered when you enter the dealer for service. there is another problem with EV drivers but it also includes ICE drivers, I forget the word the insurance companies use because its meant to be politically correct, but it they're saying there are a lot of stupid EV drivers doing stupid things pertaining to the battery, such as over charging, banging the bottom panel, watching the info screen do things like looking for different data, actually the info screen watching is getting worse than texting and driving, just think of the driver doing both, bottom line is, insurance companies aren't stupid and they're out to make money, they look at every and anything.
Right now Tesla has the highest accident rate of any brand, reason insurance companies find is many Tesla owners are not used to the high amount of torque, many are coming off of ICE cars where the petal to torque is much tamer, ok we're no talking Challenger Red Eye owners here, so these people are coming off your average accelerating car into a torque monster, and you wonder why my rates went up where I have no violations and everything is paid for, mind you there is the same problem with EV's made by other OEM's but there are much fewer of their units, EV's are expensive to fix, if you get a dent on the under panel of the battery, the insurance company will force a battery change, and thats big money, this stuff is all noted and entered when you enter the dealer for service. there is another problem with EV drivers but it also includes ICE drivers, I forget the word the insurance companies use because its meant to be politically correct, but it they're saying there are a lot of stupid EV drivers doing stupid things pertaining to the battery, such as over charging, banging the bottom panel, watching the info screen do things like looking for different data, actually the info screen watching is getting worse than texting and driving, just think of the driver doing both, bottom line is, insurance companies aren't stupid and they're out to make money, they look at every and anything.