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.

We use two steps: 1. Insert a medical-grade endoscope through the spark plug hole to visually inspect cylinder wall scratches and carbon buildup on the piston top; 2. Extract an engine oil sample to check for large metal debris or emulsification (caused by coolant leakage).

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.