Does Insurance Cover Spontaneous Combustion of Electric Vehicles?
2 Answers
If the vehicle is covered by spontaneous combustion insurance and has not undergone any modifications, you can file a claim with the insurance company. Here are the specific details: 1. Extent of Damage: The insurance company will provide compensation based on the extent of the vehicle's damage. It is important to remind consumers that even if spontaneous combustion insurance is purchased, you must report the fire to the police in case of an electric vehicle fire. The insurance company requires a fire department report as proof for the claim. 2. Usage of Electric Vehicles: Always operate the electric vehicle according to standard procedures. Avoid modifying the wiring or installing high-power accessories in the car to prevent spontaneous combustion incidents. 3. Product Quality: If a new energy vehicle spontaneously combusts during the warranty period and the owner has not modified or added any wiring to the vehicle, the owner should contact the manufacturer and explain that the spontaneous combustion was caused by the vehicle's inherent quality issues.
I'm particularly concerned about electric vehicle fires because last year, a neighbor's electric car suddenly caught fire. He promptly contacted his insurance and received compensation. It turned out his auto damage insurance included coverage for spontaneous combustion, but the key was proving it wasn't due to human negligence. For example, he kept maintenance records to prove he hadn't modified the battery wiring. The handling steps were: first ensure safety and report to authorities to preserve evidence, then file an insurance claim with documentation. For prevention, I recommend regularly checking battery health and avoiding prolonged charging in high temperatures. Insurance compensation is good, but daily maintenance is more important.
