Does Car Insurance Cover Spontaneous Combustion?
1 Answers
If a vehicle spontaneously combusts and the owner has not purchased spontaneous combustion insurance, the insurance company will not compensate. If the owner has purchased spontaneous combustion insurance, the insurance company will assess and settle the claim based on the actual circumstances. Generally, even if spontaneous combustion insurance is purchased, the insurance company may refuse to compensate in the following situations: Here is a related introduction regarding insurance compensation for vehicle spontaneous combustion: Reasons for Claim Denial: If a vehicle spontaneously combusts and the owner has not purchased spontaneous combustion insurance, the insurance company will not compensate. If the owner has purchased spontaneous combustion insurance, the insurance company will assess and settle the claim based on the actual circumstances. Generally, even if spontaneous combustion insurance is purchased, the insurance company may refuse to compensate in the following situations: If the vehicle's spontaneous combustion is caused by modifications, the insurance company will refuse to compensate. If the vehicle has not undergone the required annual inspection on time, the insurance company will also refuse to compensate. Compensation Ratio: If the vehicle's spontaneous combustion is caused by another party, the responsible party will compensate if they can be identified. If the responsible party cannot be found, the insurance company will compensate up to 70% of the claim.
