Really? The accident rate of Xiaomi cars is actually more than 20%, which is really surprising. The turmoil of Xiaomi cars is far more than that, insurance companies can't stand it anymore, and some are planning to increase premiums.
Xiaomi cars are on fire again, and in just one month, it has given us a jaw-dropping high accident rate. It is said that the accident rate of Xiaomi cars has exceeded 20%.
This figure is disclosed by insurance companies. Soon after the launch of Xiaomi Auto, the number of vehicles insured has reached thousands, and the number of vehicles involved in intermediate accidents has exceeded 1,074.
What is the reason for such a high accident rate? This issue is a matter of different opinions from industry insiders and car owners. Most of the owners of Xiaomi cars are young people who pursue novelty and trend.
Many of them are going to the Xiaomi brand, and they don't have a thorough understanding of car performance and safety. In addition, the popularity of Xiaomi cars in the market is too high, and many car owners want to try various "firsts" after buying a car, such as "the first high-speed driving", "the first time to challenge the limit", etc., which naturally increases the risk of accidents.
Of course, some of the designs of Xiaomi cars have also been pointed out that they may be related to the high accident rate. Some car owners have reported that some of the intelligent assistance systems of the new car are not very responsive when they are used.
The design of the operation interface is not user-friendly enough, and it is easy to cause operation errors when adapting. Some of the test drive activities of Xiaomi cars were also pointed out by car owners as being a bit radical and did not give car owners enough safety tips and training.
Originally, the insurance cost of new energy vehicles is higher than that of traditional fuel vehicles, mainly because new energy vehicles need more costs in ensuring the "three electrics" system (motor, electronic control, and battery).
The premium of Xiaomi car itself is not low, coupled with an accident rate of up to 20%, the insurance company can be described as "Alexander" in the issue of compensation. Some insurance companies are considering raising the premiums of Xiaomi cars.
Last month, the issue of the premium of Xiaomi cars has caused a wave of discussion. Now the premium of Xiaomi cars is comparable to the price of 500,000 oil cars on the market, and if the price rises again, it will definitely discourage many potential buyers and existing car owners.
Xiaomi Auto official also responded to this matter, they said that the commercial insurance terms of new energy vehicles and fuel vehicles are different, and the exclusive "terms" of new energy vehicles should provide the protection of the "three electrics" system.
It also has to cover the use scenarios of driving, parking, and charging of new energy vehicles. The calculation of the premium will also take into account a variety of factors such as new or used cars, brand, model, type of household, etc., and cannot be simply compared by car price alone.
The reasonableness of this explanation is quite strong, but consumers are more concerned about whether the premium after the price increase is still within the acceptable range. For the average family, the maintenance cost of the car is already a large expense. If even the cost of insurance becomes a burden, how far can new energy vehicles go?
Now this matter is not just a matter of accident rate for Xiaomi Auto, which will affect brand reputation and market strategy. How to maintain innovation and attract consumers while ensuring the safety and economy of products is now an urgent problem for them to solve.
Recently, there have been too many accidents of domestic new energy vehicles, and some are still "big names". When Western countries withdraw from the new energy market, they should improve their own technological security, rather than being arrogant and making excuses. This is a warning to the entire new energy vehicle industry.