Your rebuttal about my analogy is to mention Tesla insurance that is only offered in one of 50 US states? Also, it’s underwritten by another company. It’s like Verizon selling you an iPhone, it’s the same phone (insurance) it’s just billed differently. LOL How many body shops do they own? Serious question. How many outside of California? Another serious question.
If the accident is severe enough to damage the sructural cell, then battery replacement will be the least of your worries. It will be on a case by case basis, with your insurance company making the call.
only radioactive Cobalt is hazardous Cobalt - Wikipedia Sandy Munro thought recycle would be freezing with Nitrogen and grind up and separate by weight. .... so he thought would be easy enough to engineer. side note: Jeff Dahn has data that if you keep charge 30-80% they will never wear out. Tesla battery researcher Jeff Dahn’s tests hint at li-ion cells breaking the 2M-mile barrier