Had a similar wake-up call with my previous car, actually. Thought my warranty would handle a bunch of stuff, but nope—insurance only stepped in after a fender bender, not mechanical failures. With my current EV, I’m always double-checking what’s covered. It’s wild how easy it is to assume you’re protected until you read the fine print. Feels like a hassle, but honestly, being cautious saves a lot of stress (and cash) down the line.
Insurance is pretty much useless for battery failures unless it’s caused by an accident or something external. Mechanical breakdowns? That’s on the warranty, and even then, some brands try to wriggle out of coverage. I learned the hard way with a previous high-end hybrid—dealer tried to blame “wear and tear.” Read every line, seriously. No one’s looking out for you except you.
Yeah, that's pretty much how it goes. Insurance only steps in if there's a collision or something external that fries the battery—like flood damage or a fire. Mechanical or internal failures? That's almost always kicked over to the warranty folks, and even then, they'll look for any excuse to call it "normal degradation" or "wear and tear." I've seen plenty of fine print get people. Honestly, half the time, it's a battle just to get anyone to take responsibility. Always worth combing through your policy and warranty just to know where you actually stand...
Yeah, you nailed it—insurance is basically useless for battery failure unless it’s something dramatic like a tree falling on your car. I’ve had to argue with warranty folks over what counts as “normal wear.” They love that phrase. Always feels like a game of hot potato.
Totally get what you mean about “normal wear.” Had a similar runaround with my last EV—dealer basically shrugged and said the battery’s decline was just life. I mean, for what we pay for these cars, you’d think the warranty would cover more than just catastrophic stuff. At least insurance comes through when something dramatic happens… but day-to-day issues? You’re on your own.