Does Insurance Cover Vehicle Spontaneous Combustion?
1 Answers
Vehicle spontaneous combustion is not covered under the auto damage insurance, as it does not include spontaneous combustion. Below is extended information regarding spontaneous combustion within the first three years of a new vehicle: 1. Manufacturer liability for new vehicle spontaneous combustion: Firmly seek assistance from the local consumer protection committee. Upon the committee's request, after investigation by the local public security bureau's fire brigade, it is confirmed that the vehicle's spontaneous combustion "can exclude human factors." The fundamental principle of the law is the accountability system. Consumers who have been cleared of human factors and are without fault should not bear the loss. If there are no human factors in the vehicle's spontaneous combustion, the only remaining cause is the product's quality issue. Therefore, the manufacturer should compensate for all resulting losses. 2. Consumers do not need to purchase vehicle spontaneous combustion insurance during the "Three Guarantees" period: Within the validity period of the "Three Guarantees," any vehicle accidents caused by quality issues, provided that consumer-caused human factors are excluded, the dealer should be responsible for compensation. As long as it is within the validity period of the "Three Guarantees" or the manufacturer's promised warranty, the manufacturer should be accountable for the vehicle's quality. Spontaneous combustion insurance is a type of insurance designed for the vehicle's own quality issues. Hence, consumers do not need to purchase vehicle spontaneous combustion insurance during the vehicle's warranty period.
