Does Insurance Cover Vehicle Spontaneous Combustion?
2 Answers
Typically, insurance companies stipulate that within the insured amount specified in the policy, compensation for spontaneous combustion loss insurance is calculated based on the actual loss of the insured vehicle. Total loss: The spontaneous combustion insurance should calculate compensation within the insured amount based on the actual value of the insured vehicle at the time of the incident. Partial loss: Compensation is calculated within the insured amount based on the actual loss of the insured vehicle. Rescue expenses: Compensation is calculated within the insured amount based on actual expenditures. Methods to prevent vehicle spontaneous combustion: 1. Avoid placing flammable and explosive items in the car: Including perfumes, lighters, hairspray, mosquito repellent sprays, etc. Smokers, in particular, often carry lighters, but during driving, lighters can easily fall under the electric seats. Especially in summer, adjusting the seat may crush the lighter, releasing flammable gas, which can lead to spontaneous combustion in the high-temperature, enclosed car after leaving. 2. Prepare firefighting equipment: Keep a fire extinguisher and some medical supplies in the trunk. Fire extinguishers can only put out small fires at the beginning; it's best to have several. In case of a large fire that cannot be extinguished, evacuate the scene and call 119 for help. 3. Avoid long-distance driving: After driving for more than 4 hours, take a break for at least 20 minutes. This is not only good for you but also a protection for the vehicle to prevent spontaneous combustion. 4. Regularly inspect key parts of the car: Such as high and low voltage wires of electric vehicles, battery wires, electrical wires, etc., to eliminate all safety hazards. Damaged wires should be repaired promptly.
I've been driving for twenty years and have experienced a vehicle fire. Whether insurance covers it or not depends entirely on the specific terms of your policy. Basic auto insurance usually doesn't cover fire damage; you must purchase additional fire insurance to be covered. Common causes of fires include aging and short-circuiting wires, oil pipe leaks, or improper modifications. For example, old cars with worn electrical systems are prone to catching fire, and insurance will pay out after confirming it's due to natural causes. But if the fire is caused by overloading from installing high-power audio equipment, the insurance may refuse to pay. It's advisable to check the details of your policy, especially for cars over ten years old and modified vehicles—strongly consider adding fire insurance as a precaution. During regular maintenance, ask the mechanic to inspect the engine compartment more thoroughly and clean oil stains and dust, which can both reduce risks and save money. If the unfortunate happens, prioritize personal safety first, then call the police and contact your insurance to minimize significant losses.
