Accidentally hit the underbody? Battery alert on? Here is everything you need to know.
If there is a **Battery Alert** or smoke, **exit the vehicle immediately** and stay at least 50 meters away.
Inform them specifically that it is an **Electric Vehicle (EV)** so they can send the right personnel or towing service.
Besides the exterior, **take photos of the underbody** (if possible) and the dashboard if any warning lights appear.
If you see 'High Voltage System Fault', DO NOT try to drive. It may cause severe damage to the battery or inverter.
We highly recommend an authorized service center (Dealer Repair) to perform a proper Battery Health Check with specialized software.
The battery is the most expensive part of an EV (50-70% of car value). Insurance covers 3 levels of damage:
Scratches or minor dents on the protective plate, no cell damage. -> **Claimable: Replace cover/guard plate.**
Damage affects some internal cells. -> **Claimable: Replace specific damaged modules** (Subject to brand/insurer policy).
Structural deformation or coolant leakage into cells. -> **Insurer may declare Total Loss and pay full sum insured.**
⚠️ Warning: Driving into deep floods beyond manufacturer specs causing water ingress may be considered negligence and coverage could be denied.
Use Flatbed Truck Only
Tow with Wheels on Ground
Likely yes. If you are at fault and the repair cost is high (batteries are expensive), your renewal premium may increase by 20-50%.
Yes, this is considered an accident. However, check if the damage extends to the High Voltage harness.
Usually, it covers only the car. For Wallbox coverage, you may need Home Insurance or a specific add-on (Ask PrakanEV for details).