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.

Maintain objective expectations. Vehicles over 5 years old inevitably show signs of decreased paint gloss, slight aging of rubber seals, irreversible patina on interiors, and surface rust on chassis components. As long as core structure and mechanical failures are not involved, these are normal depreciation characteristics over time.

For older vehicles or those used in high temperature and humidity areas, we will focus on opening the hood to check if the insulation of the wiring harness in the high-temperature area of the engine compartment is cracked or brittle, to identify potential short circuit risks that could lead to spontaneous combustion.