From what l read the inflated rates are due to the repair costs of what would be minor accident for an ICE vehicle. A $1200 fender bender can cost 4-5 times that in an EV because the battery is spread across the entire car.
When a deer ran into my Mustang, I thought the $2,700 repair to the right fender was pretty outrageous. And yes, the deer hit me, and lived to run off. But, I guess Mustangs don't count because they're gas powered, LOL.