More detail
A Level 2 EV charger draws maximum continuous power for hours. If the wire is undersized or the connections are loose, the circuit will overheat and start a fire. The permitting process requires the electrician to submit a load calculation proving your panel can handle the stress.
After installation, a third-party city inspector will physically check the breaker size, wire gauge, and torque settings. This protects you from shoddy workmanship.
When you use a licensed network electrician, they pull the permit, schedule the inspection, and wrap the permit fees into their quote. It requires very little effort on your part, but ensures the job is legal and your insurance coverage remains intact.