I did not fully answer your question above, but regarding “who pays” it is a legitimate concern. The insurance industry has been hammered in recent years with COVID, possible vaccine injuries that have led to increases in mortality, and even wildfires as more people move into the urban-wildland interface.
It would be nice if they “pooled” risks for different groups, but they don’t (outside of life/health insurance). They increase premiums based on their formula’s that are calculated by actuaries using pure numbers (the most honest science there is by the way) so the chances are quite good that you and I will both pay for EV’s just as they are subsidized by our taxes.
thank you again, volunbeer. very instructive, even without a direct answer. happy thanksgiving to you and yours.
“It would be nice if they “pooled” risks for different groups, but they don’t (outside of life/health insurance). “
Home insurance is based on many factors. Location, type of construction, damage risks, age ...
Similar for car insurance but also includes driver factors.
Tesla Insurance does a real-time driver evaluation and revises your rate each month.