Scotty has a great channel - very enjoyable presentation.
Insurers have little choice because you cannot see into the battery pack so you don’t know what kind of damage was done even in a minor accident. IF they insure your EV they likely insure your home so they can pay a body shop to fix the damage and then weeks or months later it catches fire and takes out your home (much bigger payout by insurance) OR they can simply total out the car and cut their losses.
A big problem for the EV industry, EV owners, and for insurance companies and there do not appear to be any good answers (for them).
thx for the explanation. you sound knowledgeable about insurance. do you happen to know the delta between insuring a IC comparable car vs an EV these days? i sure hope the EV’s are kept in a separate pool.