I don't understand why people worry about EV accident repair costs

Can't you just handle accident repairs through insurance, and if it's your fault, just deal with a slight premium increase?
Minor repair costs are almost non-existent, so in reality, maintenance costs only consist of
replacing tires, wipers, and washer fluid.
For electric vehicles,
the issue isn't accident repairs; the real problem is battery failure or damage.
If the battery fails after the warranty expires, the car is essentially nothing more than a piece of scrap paper.
And if it's damaged, unless you are protected by specific battery damage riders even within the warranty period, it's no different from becoming scrap.
Of course, if it's damage caused by an accident, it can be covered by insurance.
For example, among older Tesla Model Ys with "Long Range" written on the back,
those are cars that could become scrap at any moment due to battery failure.
My case is the same.
Among the Model Y Long Range vehicles delivered in my production year, nearly 20% have battery defects, and if a failure occurs after the warranty, the residual value is less than the battery replacement cost,
so it's straight to the scrapyard.
Even with such a high failure rate, it's not related to safety, so it's not subject to a recall...
I commute long distances, so I'll be exceeding the warranty mileage soon too,
and if the battery fails, it's immediately scrap.
If I had bought the car cheaply like these days, it might be one thing, but I paid over 70 million won, and this part is garbage. T_T
I always thought my next car would be a Tesla,
but lately, BMW, Xiaomi, and Zeekr are catching my eye.