New energy vehicle (NEV) owners are confronting a paradoxical situation where they can afford to buy their vehicles but struggle to maintain them, primarily due to skyrocketing insurance premiums and exorbitant maintenance costs. Media reports indicate that the accident rate for NEVs is 70% higher than that of traditional fuel vehicles, with a compensation rate that is also approximately 10 percentage points higher. This trend is attributed to several factors, including the high proportion of young drivers among NEV owners, the frequency of accidents during the adjustment period for intelligent driving features, and the utilization of some vehicles for high-risk purposes such as online ride-hailing services.
