Can a car damaged by spontaneous fire be covered under vehicle damage insurance?
1 Answers
Car damaged by spontaneous fire can be covered under vehicle damage insurance, as spontaneous combustion insurance has been incorporated into vehicle damage insurance. Spontaneous combustion insurance refers to the vehicle loss caused by the spontaneous ignition of the insured motor vehicle or its cargo without any external fire source. The insurer covers the losses incurred during the use of the motor vehicle due to violations of vehicle safety operation procedures, such as direct manual fuel supply or high-temperature baking. The original spontaneous combustion insurance has been canceled, meaning that vehicle damage insurance will now compensate for losses caused by spontaneous combustion due to quality issues or non-human accidents. Spontaneous combustion insurance only compensates for losses to the insured vehicle caused by failures in the vehicle's electrical system, wiring, fuel supply system, or ignition of the cargo itself, as well as losses during transportation, necessary and reasonable rescue expenses in the event of an insured accident. Vehicle damage insurance is a commercial insurance that compensates within the coverage limits for damage to the vehicle caused by an insured accident during the use of the vehicle by the owner or a driver permitted by the owner. The coverage of vehicle damage insurance includes direct losses to the insured or the insured's motor vehicle caused by natural disasters, accidents, etc., while the vehicle is being used by the driver. After the auto insurance reform, vehicle damage insurance has added seven new insurance liabilities, including theft, standalone glass breakage, inability to locate under the original policy, third-party coverage, engine water damage, no-deductible coverage, and designated repair shops.
