Pure conjecture! I could be wrong...but I own both ICE and Electric so I don't think I am.
The vast majority of EV owners charge at night when there is a surplus of electricity. I have a free nights plan because Texas has a surplus of wind energy at night. All the talk of grid instability from EVs was FUD from a certain demographic. If you want to worry about the grid, datacenters are much bigger concern.
The One Big Beautiful Bill was One Big Beautiful Mistake. It kneecapped solar and wind at a time when we're seeing tremendous demand growth due to data center expansion. having said that, we'll still see abundant wind and solar deployed because they're cheaper and less time consuming to deploy. But the costs to do so will increase. As for natural gas...sounds great, but takes much longer to deploy and there's an extensive backlog for the hardware. Nuclear is costly and NIMBYs abound. Plus, the tariffs aren't doing anyone any favors. Electricity prices will definitely increase in the near future, but datacenters will be the culprit, not EVs.
The future is already here...it's just not evenly distributed. As battery costs decline, electrification will become more viable for consumer transportation. The biggest knocks on electrification...charging infrastructure (expanding), costs (declining), range (increasing), charging speed (increasing). Even without the credit the 35K Chevy Equinox EV is compelling. Now we have the new Chevy Bolt and Nissan Leaf, and Ford plans to introduce a cheaper 30K platform.
If you think ICE has and will continue to improve at the rate of electric vehicles, I can't say anything to change your mind. But if you acknowledge the leaps that have been made in electrification, like sub 20 minute charging, 400+ mile range, and reduced costs, then you'll recognize that the writing is on the wall.
Your statement presumes that a substantial number of insurance repairs relate to battery damage. I don't know if that is true. Even if it is, battery costs have declined substantially and continue to do so. Thus, it's reasonable to assume battery repair costs will decline in the future as well.