Does Insurance Cover Vehicle Spontaneous Combustion?

[AdrielMarie]

If a vehicle spontaneously combusts without the owner having purchased spontaneous combustion coverage under the auto damage insurance, the insurance company will not provide compensation. During the warranty period, if a vehicle experiences spontaneous combustion due to quality issues, the manufacturer is responsible for compensation. Spontaneous combustion insurance is an additional coverage type, and standard spontaneous combustion insurance only covers 80% of the claim amount due to a 20% deductible clause. To obtain 100% compensation, one needs to purchase zero-deductible coverage. It's important to note that the insurance company will not compensate for losses caused by the policyholder's violation of vehicle safety operation rules (such as manual direct fuel feeding or open flame baking) during vehicle use, losses limited to electrical systems, wiring, fuel supply systems, or cargo itself due to spontaneous combustion, or damages resulting from the policyholder's intentional actions.