Just Google fender bender EV causes car to be totaled. You will find several articles detailing cases where it has happened. To be fair it does seem to be much more likely with the cybertruck but regardless it happens with other electric cars too.
Keep in mind I'm using the phrase fender bender loosely. We're not talking a little bit of paint. We're talking in actual fender bender with a fender itself gets well, bent. Enough of a hit that the insurance company is deciding whether they're going to Total the car but not enough where it's painfully obvious the car is done.
As a cheapskate when I've been hit if the car wasn't really really wrecked, which to be fair only happened once, then I just took the check and didn't bother fixing the cosmetics. I'm not so sure I could do that with an electric car but even if I could it's still something I have to think about in the back of my head.