Always waiting for "better options" is often irrational. You should buy what's best for you today.

If the value of your EV has dropped to $10k and you get paid out that much for an accident, then in theory you should be able to buy a similar condition EV on the used car market for $10k. What's the problem with that?

Again, you're attempting to use logic to convince reality to change.

People make irrational decisions. That's a fact.

People "should" do things they don't. That's a fact.

The question is not, "What would a logically-driven being do?", but "What are people doing?"

> Always waiting for "better options" is often irrational. You should buy what's best for you today.

If you're trying to get people to switch en masse to EVs, it's not good for everyone to be in perpetual "ehh there's gonna be way better ones around the corner" mode.

> If the value of your EV has dropped to $10k and you get paid out that much for an accident, then in theory you should be able to buy a similar condition EV on the used car market for $10k. What's the problem with that?

The problem is when your loan balance is $20K and you're only getting a $10K payoff...