Does Car Insurance Cover Spontaneous Combustion?
2 Answers
Spontaneous combustion loss insurance for vehicles is an additional coverage to the vehicle damage insurance, and only vehicles insured with vehicle damage insurance can purchase this coverage. The following is relevant information about compensation: 1. Compensation Amount: For insured motor vehicles that catch fire due to faults in the vehicle's electrical system, wiring, fuel supply system, or due to the nature of the cargo being transported, resulting in loss to the insured vehicle, as well as necessary and reasonable rescue expenses incurred by the insured to reduce vehicle loss during an accident covered by this insurance, the insurance company will compensate for the actual loss of the vehicle within the insurance amount specified in the policy. In the event of a total loss, compensation will be made within the insurance amount specified in the policy based on the actual value of the vehicle at the time of the accident. The absolute deductible rate for this insurance is 20%. 2. Non-Compensable Losses: The insurance company will not be liable for compensation if the loss is caused by the insured's violation of vehicle safety operation rules, such as manual direct fuel supply or open flame baking, or if the spontaneous combustion only results in loss to the electrical system, wiring, fuel supply system, or the cargo itself, as well as losses caused by the insured's intentional actions.
A friend of mine had his car spontaneously combust recently—what a nightmare. Thankfully, they had purchased an additional spontaneous combustion insurance rider, so the insurance company covered all the costs. But this isn’t always the case. Basic car insurance, like collision coverage, typically doesn’t include spontaneous combustion unless you specifically add a spontaneous combustion or fire insurance component. I’ve been driving my car for years, and I suspect aging wiring is the main culprit, especially during the summer heat. So, if you’re wondering whether your insurance will cover it, check the fine print in your policy now—don’t wait until disaster strikes. Preventing spontaneous combustion is also crucial: regular maintenance to inspect wiring and avoiding unauthorized electrical modifications can save you major headaches. If a fire does happen, take photos immediately and report it to your insurer—a fire department report is essential evidence. Bottom line: don’t underestimate this issue—safety first.
