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自动物理伤害

Decrease in Used Electric Vehicle Prices Coincides with an Increase in 全部损失 Claims

2024年6月4日
3 分钟阅读

米切尔’s latest trends report shows a jump in total loss frequency for both electric 和 newer internal combustion engine (ICE) automobiles.

圣地亚哥，加利福尼亚.—米切尔, an Enlyte company 和 leading technology 和 information provider for the 财产 & 伤亡(P&C)索赔 和 碰撞修复 industries, today released its Q1 2024 trends report: 插入式:电动汽车碰撞洞察. This quarter’s report provides an update on EV total loss frequency, which has risen since late last year as the price of used EVs has fallen. 在美国.S. 和加拿大的EV总损失率为9.93%和7.48% respectively—an increase of approximately 8% from Q4 2023 和30% from Q3 2023 in both regions. 尽管价格急剧上涨, EV total loss frequency remains in line with 2021 和 newer ICE alternatives, 哪个季度末的利率是9.在美国占51%.S. 和7.44%在加拿大.

新销售放缓, manufacturer price reductions 和 changing consumer sentiment are impacting the value of used EVs,瑞恩·曼德尔解释道, 米切尔的理赔执行主管. “As a result, the total loss frequency for collision-damaged EVs is increasing. 然而, it is also increasing for new gasoline-powered vehicles, which are comparable to EVs in terms of their complexity 和 cost to repair.”

Other notable auto claim differences between EVs 和 ICE automobiles last quarter included:

  • 维修工时: The average number of mechanical labor hours present on estimates for repairable vehicles was nearly twice as high for EVs as it was 内燃机汽车 (3.04对1.66小时)，增加了维修成本.
  • 要求严重程度: Average claims severity decreased in Q1 but severity costs for EVs continues to outpace ICE vehicles. 在美国.S., the severity difference between the two powertrains was $1,363 or 29% ($6,066美元对4美元,703美元)，而在加拿大是1美元,700加元或33%(合6美元),810美元对5美元,110 CAD).
  • 索赔频率: Even as EV sales slow, claims frequency is growing steadily, rising to 2.26%在美国.S. 和3.41%在加拿大. This represents an increase of 40% 和38% respectively over Q1 2023.
  • 零部件使用与维修: Without a robust inventory of aftermarket 和 recycled parts, EV 碰撞修复s are more likely to include OEM parts than those completed on ICE alternatives (89.29%对65.14%). EV parts tend to be lighter weight to offset a much heavier battery, 使它们更难修复. 在第一季度, the percentage of EV parts repaired versus replaced was nearly 13% 和, 内燃机汽车, 接近15%.

参观 下载2024年第一季度报告 访问最新的电动汽车索赔数据. You can also subscribe to future issues or find previous reports online at www.米切尔.com/plugged-in.

关于米切尔国际

总部位于加州圣地亚哥.， 米切尔 International, Inc. delivers smart technology solutions 和 services to the auto insurance, 碰撞修复, 残疾和工人补偿市场. 通过深厚的行业专业知识, connections throughout the insurance ecosystem 和 advanced technology such as artificial intelligence 和 cloud-based solutions, 米切尔 enables its customers 和 clients to succeed in today’s ever-changing environment. 每个月, 米切尔 processes tens of millions of transactions for more than 300 insurance providers, 20,000个碰撞修理设施和70,000年药房. Its comprehensive solution 和 service portfolio empowers clients to restore lives after a challenging event.

米切尔, Genex 和 Coventry have aligned their joint industry expertise 和 advanced technology solutions to form Enlyte, 一个拥有近6个品牌的母品牌,000 associates committed to simplifying 和 optimizing property, casualty 和 disability claims processes 和 services.

For 碰撞修复 和 property 和 casualty updates 和 perspectives, follow us on LinkedIn 或X (@米切尔Repair 和 @米切尔Claims).