Why your car Insurance is Ripping you off by Throwing Your Brand New EV Away After a Scratch 

Same in the UK, I've bought two EVs and they're fine. One had slightest scratches underneath the other had some minor flood damage that didn't affect the battery or motor. Easily fixed with some cleaning and new modules. Bargains to be had buying salvage EVs.

Is that "John" or fkn Tom Segura?

This is Rivian's fault for building such trash and now we all get to pay higher insurance rates to supplement the morons who buy them.

@@tensecondtwoii4182 If John is 32, I haven't been born yet.

First of all Big fan of RichRebuilds, and Rivian Tech here. I just wanted to correct somethings on videos so general public has the right information and doesn't get scare to repair their own vehicles. Rivian does comes with fireman loop (High Voltage disable), and it's under the trim in between windshield and hood in left side. But there is no need to cut the harness or harness replacement, there is a connector which can be just unplug to disable high voltage. Rivian has two generation of vehicle out so far, 1st Gen comes with 2 12Volt battery whereas 2nd Gen comes with only one. battery. They both share same vehicle architecture and harness The one that showed in video is 2023/24.

He does need his own channel. He should share his knowledge.

Agree.

Yes I thought the same thing. I’d love to learn more from this guy

He really understands the gritty technical aspects and the macro economics of the industry. 🫡

He can do it on his own.

Rich is already named rich oh that rich oops

If you only knew... Oh, if you only knew. NOTHING could be further from the truth.

Who is Chris

And they also helping save the environment. Mining raw materials does alot of damage but I guess capitalism doesn't care.

He is Chris why he should be Rich?😅

The guy would've been an awesome phone phreak back in the day or a software hacker. Now he's a car hacker dealing with high voltage, diagnostic systems and comm buses, and the world could be a better place for it.

yea this Rich kid is lucky to meet a man with such knowledge.

​@@transformerstuff7029 😂😂

Especially when your idol lives up to expectations.

Insurance Carriers are annoyed because they're having to pay out money instead of just farming it.

This happened to us on a 10mph collision. My brand new Bolt, paid in full (44k), only got 25k back. Out 20k because of a 16yr old inexperienced driver.

I came to say this! I work for a major carrier as well and the list of parts the manufacturer requires us to replace, combined with the lack of aftermarket support means the manufacturer can charge whatever they want. Those whole pack replacements at highway robbery prices causes most things to total after minimal damage. In the vast majority of cases we do not ‘decide’ to total your vehicle. Your state sets a damage to value threshold (approx 70%) and we follow that. I’m not going to pretend all insurance companies are doing the right thing but we’ve got to be mad about the correct stuff.

This is why I own a 67 Camaro, a 57 Bel Air and a 49 Chevy truck. All easily repaired.

Okay Liberty Mutual. We get you shit out money on commericals instead of customer service so your comment makes 10000% sense 😂

This is the type of dude who doesn’t need help, he’s going places no matter what.

He needs to employ Rich and the electrified garage

Haha. No Poaching needed. They should definitely colab on some things that would interest Rich & that *Sean O'Malley's lil bro* maybe hasn't done before or just has a good project.

The other way round.

Do you have a website or social media page yet? I live in Orlando so I'd be interested to see what you can do if I end up buying an EV. It's not looking good so far as I just checked insurance and adding any EV appears to double my current rate, and that's for two vehicles with full coverage. I'm planning to shop around some more and find out the details.

What the name - I’m in Tampa and Tallahassee.

Well Dana doesn't pay well so....gotta do something 😂

loool

Same thought here ! 😂😂🤣

Winner! Well done!

@@cocoabiscuits I'm gonna drink a Coors Light. That's a Coors Light. because Bud Light won't pay me nothing.

He's learning I would be silent to listening to dude

Stop talking about it and do it

Pity he couldn't meet Stevon. Bet he also wonders wtf happened to him.

​@@randomname4726 he's posted a bunch of videos on on his channel

@@randomname4726Time to let it go

For sure, Rich will def remember meeting up with his idol the rest of his life. Lucky guy, hope he signed your Rivian too!

Engineer? You mean technician

This "new tech" is a grift. Figure it out folks.

All people need is access to the dialogistic tools, diagrams, and most importantly parts. People are smart enough to figure it out. This is why right to repair needs to be a universal thing.

Normally they can do this job just fine if they dont hide the repair information

Automotive technicians who are not properly trained and qualified to work on a specific manufacturer's EV models should be barred by law from working on them due to the risks to the lives and property of others resulting from gross negligence.

Is not that people are too afraid of New Technology, is that industry is not financially rewarding enough to encourage the Smarter one to pursuit that career. You always know that is not just EV technicians, a good Car Mechanic has always been a shortage. Skill Trades are back breaking work, a lot of people wants to pursue a career sitting in an Office with A/C.

Find those studs in the Rivian parts catalog. Go ahead, I'll wait..... Insurance isn't going to pay for what's going to be a hack repair (opening a pack and welding in new studs bought at Fastenal) on an $80k truck and hand it back to their customer. They want it fixed RIGHT , per OEM specs, back to OEM standards. Safely. It needs a new battery pack, plain and simple. Otherwise let someone like Rich or Scamhack fix it dubiously and put it back on the road in the hands of an unsuspecting new owner.

@@TakuroSpirit77 Yep and where those studs are held is totally compromised and may have creating a new opening in to the battery pack. A repair must be done to OEM standards.

AFAIK you can not sell totaled car and not disclose that information to a new owner....​@@TakuroSpirit77

​Then why insurance just won't pay for new battery pack replacement​@@TakuroSpirit77

Insurance companies ultimately decide what we do & don’t drive. Manufacturers have got to develop relationships with these entities prior to when the claims start rolling in. Once an adjuster locates concerning build techniques, it may be too late.

How would manufacturers make money then

​@@AlphaFlight You dropped this -> /s

The insurance companies are quick to write off ICE vehicles too. Insurance rates are getting ridiculous on them too.

@@AlphaFlight They are not making any money if the vehicle gets totaled. Maybe a little if a new one gets sold to the owner. They will make money if they sell the parts and the ability to repair them, because now the totaled car gets broken up for parts and the manufacturer sells even less parts.

@@JJSmith1100 lol that's cute you think that kid. They could care less if they lose cars. As long as new cars get made.

Over engineered with unnecessary sensors everywhere and Plastic components instead of hard metals. Crazy how we couldn’t master combustion vehicles to now making shoddy electric vehicles

The goal before was designing the car for dealer service center profits

​@Zion-Bear The vehicles arent shoddy, just complex.

@@aussie2uGA No, designing a car that snapped together in seconds and was too expensive to repair after 100k miles. Plenty of ICE cars are written off due to parts unavailability and the fact insurers have to pay for rental vehicles over extended periods. They just look at the overall cost and write the car off, even if the cat might only cost a few $k to repair. This is how Vehcor gets his cars.

I refurbished 2 deployed airbags in my '19 Mustang for $200 here in Russia. Good as new.

In the US, consumer protection enforcement is essentially outsourced to liability lawsuits. This makes risk extremely hard to predict.

I thought Tesla sells their own insurance in North America. Well, I don't know where you live, but does Tesla not offer their insurance service there?

Tesla insurance is only in a handful of states. They’re also a grift too though, because of heavily penalizing night driving, overly aggressive (and not well programmed) frontal crash prevention.

I'm sure the uninsured/underinsured coverage is insane when a driver with state minimum liability hits an EV, the safe driver discount doesn't really matter. No fault states like Michigan are equally problematic.

Audi is 5k for headlights. We need to go back to about 20 years ago and just stop when I comes to cars

@@bondobilly9369The goal appears to be to discourage the next generation from being able to afford to drive. The future according to the WEF is autonomous pods. Driving will be for the ultra wealthy only.

Are we supposed to believe that guy is only 32? He looks 40+

Oh man, locking the storage unit from the outside at the end was hilarious

goofy hoofy needs a lot of help. Not just about cars.

@@daakrolbidk, looks like he got the wife part figured out just fine 😂

So you buy stolen property? Cool. 👍

I hope you have bought legally acquired Catalytic Converters and not those been stolen in the parking lots. Hopefully there is a way to identify those by now

@@u-know-this Yeah, all catalytic converters have an integrated RFID tag that reports the vehicle VIN they belong to, and they're all in a giant database run by the government, and all recycling centers scan every one they take in and run a check on it. LOL. A side benefit is that when yours goes bad and you have it replaced, the new one has to be programmed to match your vehicle, or else your car won't start.

@@xtnuser5338lol I almost believed you for a second there

@@paddydoo Good thing I included the LOL. I like being sarcastic, but I wouldn't want anybody to actually believe it. Easier when your speaking out loud, but you've got to be careful with text.

What are the technologies and innovations?

@@beerdedwandererIf you haven’t explored the insane instant torque of an a/c motor yet, you need to. Game changer.

@@aussie2uGA yea I'm sure they're fun, not really an answer to my question though.

@@beerdedwanderer Haven't you been at least curious to explore the pros? Besides instant torque, the a/c motor turns into a generator when you release the throttle. In addition to making power, it helps in spirited driving with trail braking, makes for shorter stops, and in city driving allows one peddle driving without ever using the friction brakes. In the case of a Rivian, having one a/c motor controlling each wheel provides far more precise traction control. With a single gas motor up front, a vehicle has to send that power through a myriad of linkages, then control the excess by either reducing engine power altogether or trying to clamp down on friction brakes. With that a/c motor controlling each wheel, the ability to apply or reduce torque happens instantly, and only to that wheel with limited traction. It repeats this at a far greater speed than the single ICE engine and friction brakes can manage. The low center of gravity of the battery pack also means you can have a perfect 50/50 balance with a low polar moment of inertia. The vehicle turns and transitions with more immediacy, has mush less roll, and becomes much safer during a crash as the weight is now centered below you. There are numerous innovations in the technical aspects too (like the heat pump, the octovalve, 48v base architecture, steer by wire, bi-directional charging, etc.). If you're a performance junkie, it's worth forgetting about lack of exhaust noise and looking into the tech.

@@aussie2uGA yes I understand the advantages electric motors have, I like them, in my power tools. No, I'm not particularly interested in driving an ev. All the electronic intervention are disadvantages, a commonality with all very modern cars, in my opinion, not advantages. It seems to me that all the innovations people imagine evs possess are simply repackaged technologies. Not that they cannot be appreciated, I just don't know what innovation is directly appreciable to evs.

Unfortunately very true

No insurance company will touch a written off one, total scrap! How long can the insurance industry continue, these cars are now like the knee/arm bandit gambling machines in a casino but the insurance company ix now the loser. 90,000 dollars versus the premium, they cannot continue but this is what the Biden mafia want, thru are screeinv you as in China now the EV clllects all you data. .Billing you now by the actual mile even charging you for gojbvvgo the store, to thd doctor, dentist L

Normal cars?

Today you learned what insurance is for...

Probably not. And here is why. if they can charge you more, they will charge you more regardless. Your theory is they charge you more because somebody else drives an electric car but what’s the connection? Just charge you more regardless. A better reason to charge you more is to make more profit from you

Owners of EVs are as well

​@billw5189 That's how insurance works. When the company pays out more insurance claims, they up the price on everyone to recover the costs. Hence why people stealing and vandalizing that say "who cares, they have insurance" is very uneducated because it is affecting ALL OF US.

They are available to the public for a very affordable price. You can buy and online repair manual for 1 specific vehicle from All data for like $20. Scanner to read most data on vehicles cost like $120-500. Is good enough to do most works. Now, skills to interpret those Data and actually doing the repair yourself can't be learned overnight. If you think you can fix cars like Rich here just because you have access to diagnostic data，you will be in for a big surprise.

@@steak5599 kinda more what I'm after, it is quite obvious they don't want people to have the knowledge to repair their own stuff. That or they also lack the knowledge cause it's poorly engineered and they are after a replace rather than repair.

@@FunctionFIVE I wouldn't say they are poorly engineered. If you talk it or look up contents from creators who interviewed people who actually design and built these cars, you will see why things are built the way they are. If you want to see a Easy to repair vehicle, look up RU-vidrs who imported $3000 Chinese pick up trucks. The trucks are literally put together with off the shelf standardized parts, even the control center look like a modified android tablet. The question is, how is the ride quality, road noise, and styling? Would anyone actually buy it? You tell me. Sometimes these complicated machines are actually consumer demands. For example, most people who buys a new car don't like stripe down base models despite it being thousands of dollar less expensive.

Agreed. This needs legislative oversight. The company builds a poor modular design or with-hold parts so the EV becomes disposable which should be the exact opposite of saving the environment through electricity. These EV companies are putting no R&D into repair design, the car gets totaled and cannot be fixed filling landfills, creating garbage, wasting the cobalt that children died for and the lithium the heavy equipment already used 100 oil barrels to mine. Person then buys another one $$$ with their insurance settlement and we all pay higher insurance rates while Tesla adds another sale to the books while firing the employee that got them there in the first place.

@@positrack99 you kinda went off on a rant but yeah, all relevant and I agree man. EV companies want all the profits + tax incentives but none of the liabilities. They just recently got Biden to cut out the Chinese EV market.

It's all part of the plan to consume more to save the planet.

Very much true. Most EV owners I've met always have to have the absolute latest iPhone as soon as it comes out.

I don't think that's true at scale and long term. People are hurting and if insurance doesn't become cheaper it's going to hurt ev sales for sure. The EU also has right to repair regulation so shit will have to get better. Mechanics just aren't qualified for ev work, the nature of the work is totally different. It's software and electrician work much more than mechanic work, and garages aren't electricians.

@@pierrex3226 I think the vast majority of people just blame the insurance company and don't even realize their premiums are high because the car can easily be totalled out if they drive over an object that fell onto the roadway or over a curb. They'd have to make that connection AND change their buying habits to change things which isn't happening right now. One of the major downsides of ubiquitous insurance is people don't care what it costs to repair things or even if they can be repaired.

No, this is just the Microwave oven scenario in the 1970’s. When they stopped working, nobody dared explore repairs due to potential radiation. As time goes on, people learn and acquire the knowledge. Imagine the horse and buggy guys learning about the Model T

Like there is a choice. I have 1 lease and 1 finance drive almost no mules for either car. No tickets no @fault crashes. And my insurance has gone up like 300% in the past 2 years. I live in FL and I dont have a choice on coverage. There is a minimum that I need to cary to satisfy the lenders. I had 1 POS beater truck that I just had the state min on and even that was almost 1000/year.

@@nathanm8921 damn man $80 a month is insane for an old truck... I pay 29 euros per month for a 14y.o. econobox in France. But even then... I used to pay 21 euros per month up until recently. But since a year ago approx the rates started to climb.

@@nathanm8921 Floods damage total a lot of Vehicles and destroyed many homes in Florida, and those money will come out from Florida residents, I am sure you know that already though.

​@@steak5599in texas their is also now Hail that's become normal my home insurance has almost tripled since 2016

I have USAA and 2 yrs ago I had my truck totaled in a hit and run. My insurance has increased over 500% every 6 months since for a Not-at-Fault accident and there's not a thing that can be done about it. You have to have insurance or you cannot finance a car or own a paid off car and drive it without insurance. Auto insurance relies on Lexis Nexis and that influences other insurances you have and your APR % rates without your knowing it. It's all a scam to separate you from your money

Funny how companies would total any car today without finding someone who actually fixes things. This goes for both EVs and ICE.

not funny! it's maddening obviously the powers that be found that there's tons of money to be made with green technology - with total disregard from pollution of course. they have entire comitees taxing cars and phasing out ICE but they can't tell an EV manufacturer: sorry you can't sell this thing because it's gonna break in a year and you can't fix it. Yet the let cybertrucks rool on the street. government is worse than useless!

@@----------------------------- That goes for anything now, Fix a phone? Car? Tractor?? sorry pay us more than the cost of the item to repair it

​@----------------------------- they take ownership of the sale. So it's just a math equation. Cost of the repair chain i.e. whatever the insurance provides - the auction of the vehicle.

Engineered tested and test test test tested till failure. Making sure it will wear out minutes after the warranty is up an EVs are even worse . Iff a software engineer wrote in a single line of code . Ordering the main brains of the ev to self destruct @ a set mileage ​@@-----------------------------or set time ,day ,place , or a mobile network mandatory vehicle system update. Bam nxt day or. week later an CLICK. Ev shot itself in its batteries

Possibly even being loaded on the tow truck. Some of those guys don't GAF.

Lol dude is 32 years old

You should see the ones donut does

This whole video was an ad....

@@bullithedjames937 those are also funny but this one takes the prize

Well then how do I get started? Any suggestions?

Dealers make the majority of profit from service. For the past couple decades, the goal has been to engineer cars requiring specialized tools, specialized diagnostics, and high levels of training. Everything switched so the dealer sees the majority of issues that arise. That’s a hard profit motive to disrupt.

No it’s absolutely how they want it. It’s a full on assault on right to repair . It has been for years.

Repairs just cost a lot. Even when built for repair, they cost a lot. And if the government has to step in to support the private industry of repair, that just shows how difficult it is to make that economic proposition work. Besides, what you're suggesting is higher prices, which means fewer cars, which means less work for the people who do work on these cars. I support right to repair and general simplification and standardization of design, but there isn't a silver bullet. And it's a separate matter from the EV incentives. The amount of money being spent there wouldn't be anywhere near enough to change anything like what you want.

@@Cyrribrae they cost a lot in america because few people make it their calling. mostly because of how cars are less modular and harder to diagnose ON PURPOSE - with proprietary software, locked out and secret, encryption, and parts that are forbidden to be sold or intentionally overpriced. My point was the cost to own and maintain the EV should be on the sticker price. Give it a rating on how to fix it, maintain it, fuel it, and recover from an accident. Right now this rating doesn't exist except with the resale value - and it goes down 30,000$ for a tesla after a year.

For the 5 people who would actually use that? Lol no

What gets me is not even the OEMs are willing to crack a battery. Hyundai has quoted multiple people $56,000 CAD for a replacement battery on the Hyundia Ioniq after relatively minor damage to the battery casing (and cooling system in one case). The Ioniq does not cost that much NEW!

You were fool enough to buy it. You reap what you sow.

Because you didn't buy the nuts.

​@jamesphillips2285 the problem isn't cracking the battery. The problem is missing something and leading to a house burning down.

That's right. Welcome to capitolism, ya commie pinko....

😂😂

So the insurance companies with all their resources can’t fight back against small time body shops?

Don't you ever take the side of an insurance company again. Go to your room.

​@@ryanfraley7113to be honest, yeah. In most states the laws protect shops so much that there's absolutely nothing insurance companies can do. And consumers themselves, very reasonably, trust the shops way more than the insurance companies so a lot of times the insurance company just has to wipe their hands of the whole thing.

The insurance company always want to use used parts and non oem replacements to save money. And they also never ever ever want to pay the labor to do a full inspection to actually find all of the damage. They want to get the initial quote for damage without even taking a bumper off. Not to mention they just automatically deny the first damage quote and say that multiple things aren't covered.

I've seen it both ways. For a stolen vehicle you will get used parts. But I've also seen insurance pay for brand new engines and transmissions.

For what?

RIP

@@trongytrong5845 he got injured from the crash but he didn't die. He just hasn't been on the channel ever since that incident

Thankfully people are working to reuse vehicles

Amen.

The EVs aren’t the problem its the dealers and insurance.

Ice vehicles are not immune to insurance co's and stealership greed ether

The US is huge, right? Surely we can plant more corn for ethanol. Right? We have 1.9 billion acres! Well 29% is for livestock grazing (550 million acres

we miss stevon

I think they divorced over legal disputes involving the crash.

This channel sucks anymore...

​@@cocoabiscuitsthey still see each other, I think he can't be on the channel for whatever reason. He was with Rich in a video on freddys channel a few months ago.

Why do white guys whine so much? 😂

Right after Stephen crashed his car...

When they were paid to do it.

Even ICE repair costs are getting out of control