i know a spray painter who is part of a family smash repair business and he was saying some new Euro cars use the Hychill hydrocarbon option for the ac.
The topic is discussed among panel shops as well.
If my car specified that as a refrigerant, then I’d be happy to use it.
The point is, in our cars, it is not specified, and in the off chance a minor smash happened a fire occurred that would not otherwise have happened that would be a concern to me.
If a car has that gas specified to be used and the same situation occurs, so be it. It has been designed/engineered with that in mind. No issues with insurance.