Core Viewpoint - The rapid growth of new energy vehicle sales has led to significant challenges in the insurance sector, particularly regarding high premiums and underwriting losses, especially for high-usage commercial vehicles [1][2]. Group 1: Industry Challenges - New energy vehicles have become the preferred choice for commercial use due to lower operating costs, which inadvertently increases the probability of claims [1]. - The high claim rates, expensive repair costs, and insufficient data accumulation contribute to the industry's difficulties, leading to a situation where vehicle owners feel premiums are high while insurance companies report losses [1][2]. - The insurance sector faces additional pressure as some ride-hailing vehicles are insured as private cars, increasing the risk for insurers and prompting a more cautious underwriting approach [1]. Group 2: Solutions and Recommendations - Drivers are encouraged to comply with insurance regulations and acknowledge risks, while insurance companies should explore differentiated products based on actual operational characteristics and driving behavior [1][2]. - Automakers need to optimize product design to consider maintenance issues, enhance the commonality of parts, and improve supply levels to reduce repair costs and insurance payout pressures [2]. - Establishing a data-sharing mechanism among new energy vehicle manufacturers, ride-hailing platforms, and the insurance industry is essential for accurate risk assessment and pricing, which could lead to lower premiums for safe drivers [2]. Group 3: Collaborative Efforts - Addressing the challenges in new energy vehicle insurance requires collaboration among vehicle owners, manufacturers, and insurers to balance consumer rights and sustainable industry practices [3]. - Insurance companies should expand their coverage gradually, while automakers should promote a socialized maintenance system and reasonable data sharing [3]. - A collective effort is necessary to ensure the healthy development of the new energy vehicle insurance sector and protect user rights [3].