Many drivers are becoming increasingly interested in reducing their contributions as polluters by spreading their "green" and "sustainability" impact. One way that these goals are met is via a decision to operate a different type of car. Two options are electric and hybrid vehicles. Electric vehicles (EVs) are operated solely by a battery and electric engine. Hybrids use both electric and gas combustion engines. Both newer driving options significantly reduce (or eliminate) carbon emissions.
Fortunately, both EVs and hybrids are now easily insured. However, those who own such vehicles and insurers who provide coverage should be aware of some negative issues.
EVs have a limited speed and operating range. Also, some evidence indicates that EVs accelerate significantly slower than hybrids and gas combustion peers. Therefore, they are not well-suited for long-range or highway operation. EVs may even cause a significant driving danger due to a poorer capacity for keeping pace with traffic, merging and lane changing.
EVs and hybrids depend on batteries, which degrade over time and must be replaced after a few years. Replacement may also be necessary if they are damaged in an accident. Of course, this is also true with gas combustion vehicles. However, one difference is that EV and hybrid batteries (and related components) typically cost several thousand dollars. Therefore, compared to gas combustion cars, battery replacement is extremely expensive.
To maximize reliance on electrical power, EVs and hybrids must make use of both cutting edge and lighter building materials. Such vehicles must be smaller, most falling in the compact range. Small vehicles are composed of lighter materials, making them more vulnerable to serious damage in accidents with larger, heavier vehicles. This also makes occupants more vulnerable to suffering severe injuries.
Another concern with EVs and hybrids involves pedestrians. Both vehicles, particularly at lower speeds, are relatively silent. Experience indicates that pedestrians don't have the same cues to rely on to guard against accidents with EVs and hybrids. Some manufacturers are considering adding components to simulate the noise generated by gas combustion vehicles to reduce the danger to pedestrians and cyclists.
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