瑞安M和ell
Director of Claims Performance, 自动物理伤害, Mitchell, An Enlyte Company
2024年第一季度, electric vehicle (EV) repairable claims frequency rose to 2.美国为26%，美国为3%.41% in Canada, an increase of approximately 40% 和 38% respectively over Q1 2023. Tesla price reductions late last year spurred precipitous price drops throughout the EV segment. 结果是, price parity between EVs 和 vehicles 与 an internal combustion engine (ICE) may be coming faster than previously predicted. 例如, Cox Automotive报道 在美国.S. the “average transaction price at the end of 2023 for a new EV was $50,798, 只有2美元,040 more than a gas-powered vehicle at $48,759”. That same rapid move towards price parity, 然而, also resulted in weakened consumer confidence in the financial viability of used EVs, 与 prices falling by more than 30% year over year 而不是3.二手内燃机汽车销量下降6%.
As EV values decrease, EV total loss frequency has increased. 在美国.S., EVs were written off as a total loss 9.93% of the time in Q1 2024 (up 8% from Q4 2023 和 30% from Q3 2023). 加拿大EV总损耗频率为7.48% last quarter (up 7% from Q4 2023 和 29% from Q3 2023). This dramatic rise brings EVs mostly in line 与 their newer ICE counterparts 和, 根据最新的索赔数据, there is no evidence that they are declared total losses at a significantly higher rate than ICE automobiles. In fact, gasoline-powered vehicles 2021 和 newer had a similar total loss frequency last quarter—9.在美国占51%.S. 和7.44%在加拿大.
当涉及到可修理的车辆, 然而, claims severity for EVs continues to exceed ICE automobiles. 2024年第一季度, 平均严重性为6美元,066 for all EVs—including Tesla models—和 $4,703在美国的ICE车辆.S.，两者相差1,363美元，即29%. 在加拿大, 平均严重性为6美元,所有电动汽车罚款810加元，外加5美元,110 (CAD)用于ICE替代品, 相差1美元,700(加元)或33%.
“在美国.S., EVs were written off as a total loss 9.93% of the time in Q1 2024 (up 8% from Q4 2023 和 30% from Q3 2023). 加拿大EV总损耗频率为7.48% last quarter (up 7% from Q4 2023 和 29% from Q3 2023).”
The disparity between EVs 和 ICE alternatives is also evident when comparing mechanical labor hours present on estimates for repairable vehicles. The number of hours for EVs is significantly higher—3.04比1.66. With the average mechanical labor rate for both the U.S. 和 Canada exceeding $100 per hour, this additional time adds significant cost to EV repairs. The extra EV labor hours are likely due to the management of the high-voltage battery, which requires de-energization 和 often complete removal to protect it during collision repair 和 refinishing processes.
In terms of EV adoption, range anxiety continues to be a barrier. 然而, greater access to more charging points can help allay the concerns of potential new EV buyers. In 2023, Canadian public charging ports increased by 30% 和 U.S. 公共充电端口增加22% 与前一年相比. Also influencing adoption is the cost of fuel. 几个金融机构和 U.S. Energy Information Administration raised their crude oil price targets for the second half of 2024—some expecting the average price per barrel to surpass $100 by year end. 如果油价继续上涨, more consumers may again consider an EV for their next vehicle purchase, especially now that exorbitant EV premiums are seemingly a thing of the past.
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* 2024年第一季度和2023年第四季度的差异.
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