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.

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.

It's extremely difficult. The security level of Chinese brand immobilizers is very high, and you must connect a specialized factory computer to the vehicle's OBD and be online with the domestic server to match it. Losing all keys usually means you need to replace the entire lock cylinder and anti-theft control module while overseas.