Comments by "TeeKay" (@teekay_1) on "Why EV insurance will soon be TOO EXPENSIVE | MGUY Australia" video.

@yxxtower so do you believe that EV owners should get cheaper home insurance? Or are you claiming that weather conditions should be factored into EV insurance because the intent of them is to save the planet?
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@yxxtower "Smash a rear bumper of an Audi and the car is written off. " No, not really. Has that happened once? Sure. The way you get cars written off quickly is to have insurance that pays for rental cars while waiting for the rebuild. But they sell it to third parties who then fix the car and get it back on the road, so the insurance company is made whole, and the rebuilder makes some money as well. Nothing similar is done for damaged EV batteries. They're just dragged to the scrap yard.
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@richardwendt9266 EV vehicles are 100% will burn to the ground and everything around them for 10-20 meters when they catch fire. Even if you dump them to the bottom of the ocean.
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@yxxtower Hurricanes are far less numerous than they were just 30 years ago. From Forbes: During the most recent decade, 2001-2010, 7 major hurricanes struck the United States. That is exactly the 100-year average. During the preceding decade, 1991-2000, 6 major hurricanes struck the United States. That is below the 100-year average. During the decade 1981-1990, 4 major hurricanes struck the United States. That is substantially below the 100-year average, and ties the least number of major hurricanes on record.
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@yxxtower Of course, but the idea that people who have electric cars should get a break somehow on insurance is rather silly. As you say, EV insurance rates are based on risk, and by the same thought process, their actuaries have weighed the risks and decided EV owners should pay more. And again, they raise the rates of normal car insurance because the cost of at-fault accidents for a normal car go up because the cost of repairing EVs is higher. So from a TCO perspective, the additional cost of insurance should be factored into the cost of an EV.
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@richardwendt9266 It's not "my" fears it's an issue with EVs. And the only way to remove the big problem with EVs is to get rid of Lithium batteries entirely while doubling range. At some point that will happen. But it may not be in your or my lifetime.
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@ouethojlkjn No, he has it exactly right. Empty petrol tanks can be dangerous because gasoline has to be in vapor form before it explodes. That's what fuel injection or carburetors do. Regular gas just burns like wood or paper. Empty gas tanks are a misnomer. They lack much liquid, but what's left in the tank is gasoline vapor.
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