Why is the compensation rate of new energy vehicle insurance higher than that of fuel vehicles? Insurance companies play with probability. Once the compensation ratio exceeds its red line, it will lose money.
The probability of new energy vehicles being repaired is relatively high, so the compensation rate will be higher than that of fuel vehicles. There are two main reasons:
1. The probability of new energy vehicles being in danger is high. Most new energy vehicle owners are relatively young and like to experience the joy of speed and passion. Nine out of ten accidents are fast. The probability of new energy vehicles having traffic accidents is even higher.
2. New energy vehicles have more electronic parts, and the probability of accidents is very high. For example, we often see news about brake out of control, electric switch out of control, or active braking function out of control, etc. These electronic components have a bug of 0.1 seconds, which may cause a vehicle collision at the least, or even a car crash and death at the worst.
3. The maintenance cost of new energy vehicles is high. Once a new energy vehicle is repaired, some high-tech equipment parts will be replaced, and the cost of these equipment parts is generally high. If there is an accident with the battery, a new battery pack will be replaced, and the cost of any battery pack is tens of thousands. Compared with the maintenance cost of several hundred or several thousand yuan for fuel vehicles, the maintenance cost of new energy vehicles is several times higher.
In summary, drivers of new energy vehicles are prone to accidents, vehicles are also prone to problems, and the maintenance cost is also very high. The high probability, high cost, and naturally the compensation rate are higher than those of fuel vehicles.
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