Does Insurance Cover Electric Vehicle Spontaneous Combustion?
2 Answers
If you have not purchased spontaneous combustion coverage under vehicle damage insurance, the insurance company will not compensate for vehicle spontaneous combustion. During the warranty period, if a vehicle experiences spontaneous combustion due to quality issues, the manufacturer is responsible for compensation. Coverage for electric vehicle spontaneous combustion: Spontaneous combustion insurance is an additional coverage. Under standard spontaneous combustion insurance, you can only receive 80% compensation during claims settlement due to the 20% deductible clause. To obtain 100% compensation, you need to purchase deductible waiver insurance. Notes on electric vehicle spontaneous combustion compensation: If the spontaneous combustion is caused by operational errors by yourself or others, the insurance company will not provide compensation.
I think whether insurance covers spontaneous combustion of electric vehicles depends on the specific circumstances. Ordinary vehicle damage insurance usually includes fire accidents, such as those caused by natural disasters or short circuits. As an EV user, I have had similar concerns myself, so I consulted the insurance company. They said that if the spontaneous combustion is due to a malfunction during normal use, such as battery aging, the insurance will generally cover it. However, if it is caused by improper modifications or intentional actions, the claim may be denied. The key lies in the policy terms and the determination of the accident cause. It is recommended to check the battery condition during each maintenance to prevent accidents. It’s also better to choose additional coverage when purchasing insurance, such as a specialized battery insurance, for more peace of mind. In case of any issues, take photos promptly for evidence to facilitate quick claims. In short, don’t worry too much—consult professionals to clarify the details.
