Does Insurance Cover Car Spontaneous Combustion?
2 Answers
If the car has spontaneous combustion and you have purchased auto damage insurance, the insurance will cover the claim. Below are the specific details of auto damage insurance: 1. Coverage: Auto damage insurance generally covers vehicle losses caused by collisions, falls, spontaneous combustion, fires, explosions, storms, heavy rain, mudslides, landslides, etc. It also includes necessary and reasonable rescue expenses paid by the insured to prevent or reduce the loss of the insured vehicle after an insurance incident. The insurance company is responsible for claims within the scope of liability. 2. Main Coverage: Generally refers to auto damage insurance, including no-deductible insurance, spontaneous combustion insurance, glass insurance, water damage insurance, third-party liability insurance, and scratch insurance. Auto damage insurance mainly covers vehicle damage caused by insured incidents to the insured vehicle.
I just went through this—it was really scary when my aging car spontaneously combusted. The insurance company covered it because I had purchased the additional spontaneous combustion coverage. If you only have the basic compulsory traffic insurance or the standard package of vehicle damage insurance, they won't cover spontaneous combustion losses. After that incident, I quickly learned that spontaneous combustion is usually caused by aging wiring, oil leaks, etc. First, ensure safety, extinguish the fire promptly, call the police, and then request a claim form from the insurance company. When buying insurance, don’t skimp to save a little money—new car owners especially should consider adding supplementary coverage. Without it, you’ll have to bear all the repair costs yourself, which can be a huge loss. Also, make sure to regularly inspect your car’s condition to avoid safety hazards.
