I guess unless lightning strikes your battery, you’re on your own...
Not always true—some comprehensive policies will cover “sudden and accidental” failures, but you’ve gotta read the fine print. I’ve seen a few cases where a short circuit or manufacturing defect was actually covered. It’s just that most battery deaths look like wear and tear to adjusters, so they default to that excuse. Still, it’s worth checking your policy wording before giving up.
I get what you’re saying, but I wouldn’t count on insurance for battery issues unless it’s something dramatic. My buddy tried to claim when his Leaf battery bricked out of nowhere—adjuster just shrugged and called it “normal aging.” Guess it’s like trying to get rust covered on a ‘68 Mustang… good luck.
Yeah, that sounds about right—insurance adjusters can be tough when it comes to stuff like batteries. I’ve had my fair share of “nope, not covered” moments, usually after I’m already stressed about the car. Here’s the thing: unless the battery fails because of something like a collision, fire, or theft, most policies just don’t touch it. It’s like how they won’t pay out if your brakes wear out or your tires go bald.
If you’re worried about battery issues, I’d check if you’ve still got any manufacturer warranty left. Some EVs have pretty decent coverage for the battery, and that’s saved my bacon before. Otherwise, it’s just part of owning an older car, EV or not. It’s frustrating, but you’re definitely not alone. I’ve tried to argue my way into a claim a couple times—never hurts to ask, but yeah, don’t count on it unless something really out of the ordinary happens.
Yeah, I’ve seen this play out a hundred times. Folks think insurance is gonna swoop in and cover a dead battery, but unless you’ve driven through a flood or your car’s gone up in flames, it’s usually a hard pass. Had a client with a two-year-old EV—battery just quit one day. He was furious when I told him it’s not covered unless it’s linked to an accident or something dramatic. The manufacturer warranty was his only hope, and thankfully that kicked in, but insurance? Not a chance. It stings, but that’s just how these policies are written.
- 100% agree, insurance just isn’t built for this kind of thing.
- Most policies treat batteries like any other wear-and-tear part—if it fails on its own, you’re out of luck.
- Only time I’ve heard of insurance stepping in was after a hailstorm fried someone’s charging port and the battery got damaged as a result.
- Manufacturer warranty is your best bet, but even then, some brands are stingy about what they’ll cover.
- Honestly, I wish there was some sort of “battery breakdown” add-on, but I haven’t seen one yet... anyone else?
- Just seems like another thing to stress about when planning long trips in an EV.
