That's generally accurate, but I'd add a bit more nuance. From my experience, insurers typically differentiate between sudden, accidental damage and gradual deterioration. If your battery suddenly fails due to an unexpected event—like debris hitting the underside of your EV—that's usually covered under comprehensive coverage. But if it's just a battery defect or normal degradation over time, that's firmly warranty territory. Definitely worth double-checking your specific policy wording though... insurers can get pretty particular about the details.
Good points overall, but honestly, how easy is it to prove the battery failure was sudden and accidental versus gradual wear? I mean, insurers love their gray areas... A friend of mine had a similar issue—not EV battery, but transmission—and the insurer argued forever about whether it was sudden or just poor maintenance. Makes me wonder if anyone here's actually had success claiming battery damage from road debris or something similar? Seems tricky to me.
"insurers love their gray areas..."
Haha, ain't that the truth. Had a rock crack my headlight once—insurance covered it no problem. But battery damage from debris? Feels like they'd fight tooth and nail. Anyone actually win that battle yet?
Yeah, insurers definitely pick their battles carefully... Had a similar issue when road debris damaged my radiator—covered without much fuss. But EV batteries are pricey, wonder if that's why they're extra cautious about paying out claims on those?
Had a similar experience with my windshield—no hassle at all. But batteries are a whole different ballgame, price-wise... insurers probably cringe every time an EV claim lands on their desk. Can't really blame them for being cautious, though.
