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.

Interior assessment is divided into three core areas: the driver's high-frequency contact area (steering wheel, gear shift, edge of the driver's seat), central control button area, and rear seats and ceiling. The natural sheen of leather surfaces (patina) is normal; however, any physical damage (such as leather tearing, fabric burn holes, or plastic breakage) will be classified as "structural interior damage" and clearly marked.

Most models adjust through the central control screen menu, while a few models (like some BYD or MG) retain physical levers or paddles on the center console or steering wheel. We will check if the drag feel when the system engages is linearly normal.