This involves personal privacy, and we have no right or ability to retrieve personal driving violation records from the traffic police system. We can only infer if there was aggressive driving by checking if the engine has been reprogrammed with a higher-level ECU (stage 1/2) or if the transmission has a history of severe overheating.

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.

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.