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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 thoroughly rule them out by checking if the cabin wiring harness is melted, if the seat belts have water stains or mold, if there is unusual rust or debris in the seat tracks and cigarette lighter, and by verifying with the insurance company for any "total loss claims." These two types of cars are an absolute sales ban for us.
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.
