Reduce Risks Associated with Electric Vehicles

While the federal government and firefighting associations don’t collect data on the number of electric vehicle (EV) fires, there’s one thing all industry specialists seem to agree on:

When an EV catches fire, it’s much more difficult to extinguish than traditional vehicle fires. That’s because an EV’s lithium-ion battery holds a lot of concentrated energy, with each cell containing a flammable electrolyte. And it burns very hot.

A malfunction in one of the cells can cause “thermal runaway,” according to the website How-To Geek. UL Research Institutes describes thermal runaway as “a phenomenon in which the lithium-ion cell enters an uncontrollable, self-heating state,” possibly resulting in smoke, fire, extremely high temperatures and the violent ejection of gas, shrapnel or particles.

The primary causes of EV fires include: 

  • Manufacturing defects 
  • Wear and tear 
  • Accidents 
  • Extended exposure to water 

Problems with home and commercially available charging stations can also cause fires.

One of the complications of EV and hybrid vehicle fires is the incapacity of many fire departments to deal with the blaze. Suppressing an EV fire requires thousands of gallons of water, much more than a typical pumper truck carries. Additionally, water may cause gases in the vehicle to explode, and even foam containing water can have this effect. 

Because of these factors and the safety precautions firefighters must take, extinguishing an EV fire can be a long process. Furthermore, major damage to garages, attached homes, and nearby structures and vehicles is common.

Steps you can take

Because of the extreme damage EV fires can cause, some parking garages and homeowners associations restrict the areas where owners can park their hybrid and electric cars. And the National Highway Transportation Safety Administration advises keeping soaked vehicles at least 50 feet from structures and other cars after a flood. 

If you own an EV, purchase a fire extinguisher that will put out an EV blaze. Look for a label that says the product works on cars and indicates it’s suitable for electrically charged material. You may wish to have one in your home and one in your car. You should know how to operate the extinguisher before you need it.

Servicing your EV and keeping the battery in good shape are imperative, as are staying abreast of recalls and getting repairs done as soon as possible. For example, one of GM’s EVs had a defect that could cause battery cell packs to ignite. GM advised owners of the EV not to park inside structures until the repair was made.

When charging the vehicle, follow the manufacturer’s instructions. You may need to upgrade the wiring in your home or have an electrician install a dedicated circuit for the charging outlet. 

The charging device you use is also important. Look for a label from Underwriters Laboratories (UL) or another nationally recognized testing laboratory. The Federal Emergency Management Agency (FEMA) also recommends installing a residual-current device or ground-fault circuit interrupter with the charging unit. This will automatically turn off the power if a fault is detected. 

As with all electrical chargers, replace the unit when worn or damaged and don’t use it in wet conditions except as permitted under the manufacturer’s guidelines. FEMA also cautions consumers not to use multiplug adapters or extension cords. 

Note that defensive, alert driving is especially important when operating an EV because the car is virtually silent. Pedestrians often cross streets with their eyes on their phones, relying on their hearing to alert them to oncoming traffic. 

Insurance issues presented by EVs

Insurance losses may be higher with EVs because their batteries and components are more expensive. GreenCars, an EV information and advocacy company, says a replacement battery runs between $2,500 and $20,000, depending on the make and model of the vehicle (2023 info). This means an accident that destroys the battery could result in a declaration of total loss for the vehicle, simply due to the outsized cost of that one component. 

Moreover, labor to repair EVs is often more expensive due to the specialized training mechanics must have. That said, insurance costs may be counterbalanced by fuel savings. And some insurers offer discounts for safe driver data-sharing programs.

Since EVs have faster acceleration and different handling than combustion engine cars, they may take some getting used to. Any drivers using your EV should practice cautiously until they are familiar with starting from a stop, coming to a stop, changing lanes and turning corners.

By practicing smart charging, scheduled maintenance and safe driving, you can avoid fires and accidents, and enjoy a smooth ride for years to come.

For more information

If you have questions about EV risks, reach out to our Personal Insurance team.

This content is for informational purposes only and not for the purpose of providing professional, financial, medical or legal advice. You should contact your licensed professional to obtain advice with respect to any particular issue or problem. Please refer to your policy contract for any specific information or questions on applicability of coverage.

Please note coverage can not be bound or a claim reported without written acknowledgment from a OneGroup Representative.

Written content in blog post: Copyright © 2023 Applied Systems, Inc. All rights reserved.