Can Car Insurance Cover Fire Damage?
2 Answers
If the vehicle is insured with comprehensive insurance (including compulsory third-party liability insurance), the insurance company will compensate for the losses. Comprehensive insurance covers the liability for fire damage to the insured vehicle, while third-party liability insurance (or compulsory insurance) covers the liability for personal or property damage caused to third parties by the vehicle's use. Whether full compensation is possible depends on whether an additional no-deductible clause is included in the policy. Without it, only 80% of the loss will be compensated. Here is additional information: 1. Comprehensive Insurance: This refers to coverage for the insured vehicle's own damage caused by natural disasters (excluding earthquakes) or accidents within the scope of insurance liability. 2. Third-Party Liability Insurance: This covers compensation for personal injury or direct property damage to third parties caused by accidents involving the insured vehicle, operated by a qualified driver permitted by the policyholder, as legally required to be paid by the policyholder. The insurer will compensate according to the relevant provisions in the insurance contract.
Last time my friend's car caught fire, and he was panicking. Fortunately, he was unharmed, but the car was burned to scrap. He immediately called the police and then contacted the insurance company, only to find out that his car only had basic compulsory traffic insurance and vehicle damage insurance, without spontaneous combustion coverage. The insurer explained that vehicle damage insurance doesn't cover losses caused by spontaneous combustion—you need additional spontaneous combustion insurance for that. In the end, he had to pay for the repairs out of his own pocket, which was heartbreaking. I suggest everyone review their insurance policies carefully, especially the commercial insurance clauses. Older cars or those with modified electrical systems are more prone to such incidents. For prevention, regularly inspect wiring, avoid adding random electrical devices, and keep a fire extinguisher in the car—it can save lives in emergencies. In short, safety comes first. Insurance can cover losses, but you need to prepare in advance—don't wait until an accident happens to regret it.
