OP
OP
MakinDoForNow
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- #256
It's all in the underwriters assessment of the probability of internal battery damage. Perhaps the adjuster would be allowed to replace the battery but the extra expense could push into totaled. Repairs are incredibly expensive these days. My 2022 lariat hybrid had an impact on drivers side rear fender. Did not touch rear door but door had an edge chip in paint about 1/16th inch or less. Due to availability issues of the first edition decal on bottom of door I had body shop blend paint to the edge of decal. (Only decal that could be found was on eBay for $2k asking). No interior damage to bed but repair required welding which damaged the OEM spray in liner ($1600 for towing 40 miles to/from ford approved body shop to liner respray along with respray). It did get tail light and broke ear or tab off plastic bumper cover. Tire was replaced due to sidewall bruise and it cost $120 to have rim checked out, which showed no damage. Cost to at fault drivers insurance totaled $12722.nn + 7 weeks car rental + $2140.00 diminished value. The diminished value acceptance did include an all inclusive release for any undetected damage including liability issues related. I was afraid to ask for more diminished value since the insurance company's out of pocket was already over 50% over KBB Retail on my Maverick.The F-150 lightning is built for the same use as a regular four-wheel drive F-150. The scared plate underneath the battery is tough. And it's able to withstand reasonable off-roading. It's pretty hard to damage the battery . Yes, you should use common sense just that you should in any vehicle. But you don't have to baby them. A lot of the information out there is not accurate. And a lot of the fears are overblown. Is an EV perfect in every situation? Of course not. But it can be a viable option in many conditions especially if the purchase price becomes competitive. Will an electric vehicle be totaled simply because the battery is damaged? No. Of course as the vehicle becomes older that becomes a possibility. But today's vehicles can be totaled by a collision that deploys the airbags wants the vehicle becomes old. From what I am understanding, in most cases the insurance rate on a lightning it's not that much different than the insurance on a normal f150. Maybe it's a little more, but it's not crazy expensive like some would have you believe. People should shop around for the best deal just like they do for a normal vehicle when they are buying insurance