Does Car Insurance Cover Spontaneous Combustion?
1 Answers
During normal vehicle usage, if spontaneous combustion occurs without external ignition sources due to reasons like aging wiring, the insurance company will provide compensation within the claim coverage. However, if the fire is caused by items inside the vehicle, such as perfumes, lighters, or other placed objects, it is considered a human factor, and the insurance company has the right to deny the claim. Additionally, the insurance company should also refuse to compensate for damages to electrical appliances, circuits, fuel lines, and the fuel supply system caused by spontaneous combustion, as well as losses to transported goods. In the event of vehicle spontaneous combustion, the insurance company will compensate based on the actual loss. If it's a total loss, the compensation will be calculated according to the depreciated value. Here are some considerations for purchasing vehicle spontaneous combustion insurance: 1. Generally, new cars have a relatively low chance of spontaneous combustion. In practice, apart from purchasing full coverage in the first year, from the second year until the policy expires, only compulsory traffic insurance, vehicle damage insurance, third-party liability insurance, and non-deductible insurance need to be purchased. 2. However, for electric vehicles, older vehicles (over 4 years), those frequently used for long-distance operations, or vehicles operating in high-temperature regions, it is advisable to opt for spontaneous combustion insurance.
