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On 9/11/2024 10:04 AM, Jeff Liebermann wrote:On Wed, 11 Sep 2024 12:23:31 +0200, Rolf Mantel>
<news@hartig-mantel.de> wrote:
Insurance rates are set for separately for each individual vehicle type.
On reading carefully, you mostly find "Insurance for Tesla" went up
catastrophically because
1) Tesla had a bad spare parts logistics (meaning insurance have to pay
hire car for longer until a repiar can be done)
2) Few mechanics being trained to repair Tesla (meaning insurance have
to pay hire car for longer until a repair can be done and while the
repair is done, often the mechanic takes a lot longer than expected
because they first have to learn about the particulars)
Higher insurance rates might not be totally due to dealer network
problems. The drivers might also be at fault. See any of these
videos for what drivers do to their vehicles:
<https://www.youtube.com/results?search_query=just+rolled+in>
<https://www.youtube.com/results?search_query=just+rolled+in+Tesla>
You might find similar stories in the next few years for the new Chinese
makes but very unlikely for EV of standard makes with an established
dealer network.
Today's cars are designed to be diagnosed by a computer, not a trained
or independent mechanic. The vehicle is plugged into a computer,
which is connected via the internet to a computer operated by the
manufacturer. The diagnostics are run and the results are printed.
The mechanic just follows the instructions and replaces parts until
the problem is fixed. Little wonder repair costs have dramatically
increased. I suspect all new EV's are repaired in this manner.
Rolfs comment was not about the tools used. It was about tool and parts
availability.
- While Tesla does have a standardized CAN bus interface, the more
complex diagnostics require proprietary Tesla tools.
Most non-Tesla
repair businesses aren't going to spring for that (especially the
independents), and in fact may not be allowed to do so depending on what
state they are in (right-to-repair laws are not uniform).
- The other part of that is supply chain for parts. As Rolf mentioned,
if they can't get the parts, the insurance company may have to spring
for an extended loaner.
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