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.

Water damage is one of the most common hidden problems in used cars, and it often escapes basic photo reviews. During a live video inspection, ask the inspector to check these specific points: 1. Smell test: A musty or moldy odor inside the cabin is the first red flag. Have them open all doors, run the AC briefly, and smell the air from the vents—musty AC often indicates water in the HVAC system. 2. Under the carpets: Lift the floor mats and look for water lines, rust stains, or dampness on the carpet backing and the metal floor underneath. Sediment or silt residue is a giveaway. 3. Seat rails and bolts: Pull the seats fully forward and backward. Rust on seat rails or fresh-looking bolts suggests the seats were removed for cleaning after flooding. 4. Trunk area: Check the spare tire well and under the trunk carpet for standing water marks or rust. 5. Electronics: Test every window, seat adjustment, and the infotainment screen—water-damaged electronics behave erratically. Also request a scan report: flood cars often store history codes for multiple control modules that failed simultaneously. Cross-check the car's origin; vehicles from flood-prone southern regions deserve extra scrutiny.

It depends on the brand, so verify before buying: 1. OTA updates: most newer Chinese EVs update over the air, but some brands tie updates to the region of registration—an exported car may stop receiving them or stay on China firmware. 2. Companion apps: functions like remote climate, charging status, and location often require a Chinese phone number or mainland server access; abroad they may work partially or not at all. 3. Language and units: check the infotainment can switch to your language and your units (miles/km). Ask the exporter to demonstrate the app functions live on video before purchase, and get written confirmation of what will work after export. For the battery, request an SOH (state of health) report—battery replacement is far costlier than any software limitation.