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.

Test-drive cars experience much more mechanical wear due to extreme conditions like cold starts and emergency braking compared to regular family cars. We can identify this by tracing whether the first owner was a 4S dealership or the manufacturer. If so, we will reassess its value based on "operational intensity" standards.

We will use a megohmmeter (insulation resistance tester) to measure the insulation resistance of the high-voltage bus. If the resistance value is below the national safety standard, it indicates a risk of leakage, and the vehicle will be deemed unqualified.