If you want to know how risky EVs are, consider how insurance companies create policies for spontaneous EV fires (they don’t).
The frequency/severity of EV fires are not large enough to justify a separate risk rating.
Let me reiterate: INSURANCE COMPANIES (who notoriously itemise obscure acts of God) do not consider it worth their time to separate this risk from any other spontaneous or unexpected catastrophe.
If you want to know how risky EVs are, consider how insurance companies create policies for spontaneous EV fires (they don’t).
The frequency/severity of EV fires are not large enough to justify a separate risk rating.
Let me reiterate: INSURANCE COMPANIES (who notoriously itemise obscure acts of God) do not consider it worth their time to separate this risk from any other spontaneous or unexpected catastrophe.