Boy, there is a lot of bad news online about EVs. Fires are a real problem because they can start spontaneously. One house was destroyed when a Mercedes burned. The car was a loaner from the dealer while her own Mercedes was being serviced. Another house was severely damaged when a Tesla burst into flames. Water is useless for putting out lithium fires. Fire departments use special blankets costing $3k - $5k to smother the fire. They then haul the car away in a procession with police and fire engines. They leave the blanket on for a day or more to keep oxygen from letting the fire restart.

Sales are tanking, with dealers having EVs sit on their lots. Charging away from home typically costs more than filling the tank with gas. When many cars are charging from the same station, the amount of charge going to each car is reduced proportionally. A reported rented an EV to do a story on it. During a long trip, she said she spent more time charging the car than sleeping. The car got more "recharging" than she did. Replacing the battery can cost more than the car - $60,000 for a $55,000 Hyundai. Car makers are starting to produce their own batteries so they won't be at the mercy of battery makers. Still, with a limited supply of lithium, prices will continue rise. Reliability is an issue because the car is basically running on software, and you know how reliable that can be. Repairs can be ridiculously expensive.

I never had any interest in buying an EV, but now I'm dead set against them. Give me gas any day. (Enter a humorous comment here.)

A friend had an EV, but he sold it and bought a pickup truck. He didn't go into details.

BACKGROUND
After a lot of research, we decided to purchase extended coverage for our 7-year-old RAV4. We decided to go with Consumer Reports recommended provider ENDURANCE. After lengthy discussion with the company representative on the phone we decided on a plan that fit our needs, paid the down payment, and set up a monthly payment schedule. We were told we could not make any claims for a specified period of time, (one month), the company would not pay for any problems that existed before coverage, and that a certain amount of milage had to be covered before a claim could be made, (1000 miles). These restrictions were all well and good. Since signing up several months have passed and the mileage requirement has been met.

WHAT HAPPENED
We plan to take a trip to Washington DC in a few days, so I took the car to a local shop for and oil change and to diagnose a rattle coming from the engine compartment. Good thing I did. The mechanic discovered a belt tensioner had cracked and was causing the belt to loosen. The cost to remove and replace the belt tensioner, (and a new belt), came to $640. Yikes! Still, I was glad it was discovered before we embarked on our trip to DC. When I returned home, I got out my contract with ENDURANCE and ascertained that belt tensioners were a covered item. So, I called ENDURANCE to make a claim. I was advised they do not pay claims that have not been pre-approved. HUH? How can I get something pre-approved that I did not know existed? I was told the proper procedure is to have the repair facility call them for pre-approval. They determine if the repair is covered. Then after the work is completed, they pay the repair facility directly. Since I had not done that, it was tough luck. I reread the contract, and it was all there in black and white, so I only had myself to blame. I will certainly be more knowledgeable in the future. If any of you are considering this type of service READ YOUR CONTRACT CAREFULLY. Just a word to the wise
Gilkar

Well, I'm at the emergency room 😩. This morning was not good. I decided to go trail riding .. It turned out to be a big mistake! I got on the horse and started out slowly, so then we went a little faster; before I knew it, we were going as fast as the horse could go. And when I tried to stop the horse, I couldn't stop him, he must have gotten spooked or something, he was out of control, so I decided to try to jump off the horse, and instead, I fell off, but as I was falling, my foot got caught in the stirrup , so the horse was dragging me. And he wouldn't stop! Every time I screamed at him to stop, the horse went faster ,Thank goodness the manager at Toys-R-Us came out and unplugged the machine. But he had the nerve to take the rest of my quarters so I wouldn't attempt to ride it again.

I've been with Hartford insurance for many years with a good driving record and haven't had any claims on my house for over 20 years. Gradually they have been raising the rates to where I'm ready to jump ship to another company.

Are there any insurance companies that you would recommend.
Interesting side note when I was talking to an insurance company they said they couldn't insure me because I was in a fire zone. I live in a rural area amongst alfalfa fields. Go figure.

Thanks