re: Insurance companies may have to junk your car if your EVs are damaged in a accident

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Who knew mixing high voltage and gas was a bad idea.

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I know it is just semantics but EV's do not use high voltage. Low voltage is up to 1000 V, medium voltage is from 1000 V to 35 kV, and high voltage is over 35 kV. EVs are 400-800 V

And flammable materials are used to produce a large portion of the electricity we use. Of course they are not subjected to the whims of the drivers I see on the road

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Not only semantics but doesn't it also depend on the industry and context? Isn't 120 in a home called "high voltage" not just to differentiate from the assorted low voltage circuits but also to indicate that the voltage is high enough to hurt you?

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There is some differentiation. I was using the IEEE as I remember it. The NEC uses 0-49 as low voltage, primarily as a safety guideline, 50-600v is considered medium voltage under that usage.

The driver between the two is exactly what you said, though. 50-600 (or 1000) indicates a high risk of electrical shock. 1000V plus indicates a higher risk of electrical arcing. That means you don't need to touch a conductor to short to ground, you only have to be close enough for it to arc to you and arc flash burns are also more likely.

I think there are a few other designations used but they all look a lot like those two. You do see some 120/240 boxes with high voltage labels at times, I think that is to put people off of tinkering with that (which is good) as you said.