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As Chris has stated I highly doubt that is a 400 rated electrical service. You may be able to look at your utility bill and it may state your service amperage. Also the meter face may state the rated amperage. I am guessing your service and meter are rated for between 100 and 200 amps max...

Jason The system isn’t making sense to me. We know we have two separate double pole 125A breakers directly off the meter possibly disconnects only required by codes. Possibly one of those 125A breakers is supplying power to the 125A breaker in the breaker panel to the right. Not sure what...

If the panel with the 125 amp breaker is your main panel which is connected to your utility. 125 amps is usually sufficient to charge a single EV level 2 charger at max of 48 amps concern I have is you have multiple panels that could have significant loads. a 48 amp Ev circuit requires a 60...