Yeah, good points there. Reminds me of when hybrids first came out—my buddy had one of the early Prius models, and the battery went kaput just after warranty expired. He was stuck footing a hefty bill himself. Insurers were clueless back then too, but eventually warranties improved and coverage options expanded. I bet EV batteries will follow a similar path... just gotta wait for insurers to catch up with the tech and data.
I get your point, but honestly I wouldn't hold my breath waiting for insurers to step up quickly. Look at how long it took them to figure out hybrids—your buddy's Prius story is exactly what worries me about EVs now. Batteries aren't cheap, and insurers love finding loopholes to avoid paying out big-ticket items. My advice? Don't count on standard insurance to cover battery failures anytime soon. If you're serious about going electric, look into specialized coverage or extended warranty options upfront. Yeah, it's annoying and extra money out of pocket, but better safe than sorry when facing a $10K+ battery replacement bill down the line. Learned the hard way myself with transmission issues years ago... trust me, insurers rarely move as fast as tech does.
"insurers rarely move as fast as tech does."
Yeah, exactly what I was thinking. Insurance companies are always playing catch-up... Remember when backup cameras first came out? Took them forever to even acknowledge those. Better safe than sorry definitely applies here. Good call on specialized coverage.
"Insurance companies are always playing catch-up..."
Yeah, that's pretty spot-on. Reminds me of when I first tried insuring my classic Mustang after installing modern disc brakes. The insurer acted like I'd just invented fire or something... took ages to get them on board. EV batteries failing seems like a whole new headache—wonder if they'll treat it like regular mechanical failure or something more specialized? Either way, smart move thinking ahead with specialized coverage. Better to sort it now than argue about it later when you're stuck roadside with a dead battery...
Had a similar experience when I swapped out the suspension on my old Jeep—insurance acted like I'd built some kind of monster truck. Took forever to explain it wasn't gonna spontaneously flip over on the highway. Makes me wonder how they'll handle EV battery mods or replacements down the line... will they treat it like swapping out an engine, or is it more like replacing tires? Seems like insurers haven't quite figured that one out yet either.
