I have a lightning strike claim in which the adjuster is refusing to use my logic when it comes to charges for the client's EV ALE charges. Since the insured can't use his house charger, he is having to go charge at an EV charging station and pay a premium rate. I presented my argument as such:

1)I strongly disagree with your statement regarding the Telsa charge. You cannot track mileage in an EV like you would a gasoline powered vehicle. The insured could have charged his car much cheaper at home verses at a public charging station. Same theory as buying a soda at the movies verses your home costs for a can of soda. Both Kelly Bluebook and Popular Mechanics agree that the average cost for a home charge is $0.16 per kWh. However, Texas electricity rates is 7% lower than the national average. Therefore, I am proposing that a home charge would have cost about $0.14 per kWh. If you deduct $0.14 from the charging station rate, this should be the additional cost that the insured is incurring for every charge.

We cannot treat an EV charge with the same tools we use to calculate additional charges for gasoline powered vehicles. With a gas-powered vehicle, your only option is to fuel at a gasoline station with the gas rate per gallon is within a few cents. However, with EV, the owner can fuel at home for a much LOWER rate than the EV charging station is charging him.