If all you do is look at headlines, this piece may give you the impression that electric cars are doomed. Tack on Tesla's underwhelming news and attendant stock decline (prior to Friday's slight recovery) and that view may be warranted. But let's back up a minute: does a $100-200 charge move the needle for purchasers of electric vehicles? Speaking of vehicles, how is the auto insurance industry looking as we enter the next phase of electric and autonomous car adoption? According to KPMG, not good.