Yes. Due to the significant difficulty in extinguishing lithium battery fires, insurance companies typically charge 20%-40% higher rates for comprehensive coverage on used EVs compared to ICE vehicles. Additionally, the absolute deductible for minor scratches on the body will also be increased accordingly.

Completely different. The assessment of commercial vehicles focuses on: the extent of wear/deformation in the cargo area, whether the frame has been twisted due to overload, the fatigue of the leaf springs, and the emissions of the diesel engine. Minor exterior scratches carry very little weight in the assessment of commercial vehicles.

If insurance claims records are accessed, there will usually be notes like "the insured vehicle is fully responsible for hitting a fixed object" or "third-party liability insurance payment." We can roughly reconstruct the accident scene based on this and cross-verify the stress points on the vehicle's frame with paint thickness gauge data.