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Why Electric Car Insurance Premiums Exceed Those of Gasoline Cars Despite Insurers' Non-Profit Claims? Where Does the Money Go?
3 day ago /
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Author：小编
Insurance premiums for new energy vehicles (NEVs) are typically higher than those for traditional gasoline vehicles. This disparity stems from several factors:
- Higher maintenance costs, particularly for core components like batteries.
- Elevated compensation risks associated with battery aging and potential safety hazards.
- Rapid technological advancements leading to quicker vehicle depreciation.
- Policy incentives that inadvertently increase insurance companies' compensation risks.
- Insufficient risk assessment and data accumulation by insurance companies specifically for NEVs.
These combined factors significantly push up the insurance costs for NEVs.
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