Timi: EV owners — I’m researching a startup and need your honest experiences with insurance

[mahoganyaw]

Hey everyone! I’m working on early research for a possible EV-related startup, and I’m trying to understand the real pain points around insurance from actual owners.

This isn’t a pitch and I’m not selling anything — I just need to learn what’s true before I build anything.

If you own a Tesla or any EV:

• What’s been the most frustrating part of dealing with insurance?
• Have you ever had a small repair or minor damage that you just paid out of pocket instead of filing a claim?
• If you have filed a claim, what took the longest or caused the biggest headache?
• Do you worry about premiums going up if you file something small?
• And overall: does EV insurance feel fair, or kind of unpredictable?

I’m in the “figuring out the problem” phase and would really appreciate any honest experiences or examples.
Thank you for your insight!