Does Vehicle Damage Insurance Include Spontaneous Combustion Coverage?
3 Answers
Vehicle damage insurance does not include spontaneous combustion coverage. The relevant details about spontaneous combustion insurance are as follows: Introduction: Spontaneous combustion insurance, also known as the additional spontaneous combustion loss coverage for vehicles, is an add-on to the motor vehicle damage insurance. During the insurance period, if the insured vehicle catches fire due to issues with its own electrical circuits, wiring, fuel lines, fuel supply system, cargo, or friction during operation, resulting in damage to the insured vehicle, and if the policyholder incurs necessary and reasonable rescue expenses to minimize the vehicle's damage during such an incident, the insurance company will provide corresponding compensation. Insurance Conditions: Policyholders can only opt for spontaneous combustion insurance if they have already purchased motor vehicle damage insurance. The insured amount for spontaneous combustion insurance is generally determined through negotiation based on the actual value of the insured vehicle. In the event of a vehicle's spontaneous combustion, the insurance company will provide compensation according to the extent of the damage.
As an ordinary car owner, I remember last winter when my neighbor's car suddenly caught fire spontaneously. He thought the vehicle damage insurance would cover it, but the insurance company said that only covers collision, theft, and similar accident losses, not spontaneous combustion. Spontaneous combustion insurance is a separate additional coverage that requires extra payment. Otherwise, who would compensate if something really happens? After that incident, I immediately checked my policy and, sure enough, there was no spontaneous combustion coverage. I added it right away—it didn’t cost much but gave me much more peace of mind. If you’ve never bought insurance before, I suggest reviewing your contract or directly asking customer service to confirm, so you don’t end up regretting it like my neighbor. There are many causes of spontaneous combustion, such as aging or overheating wiring. Regular maintenance and frequent checks of the electrical system can help reduce the risk. In short, vehicle damage insurance does not include spontaneous combustion coverage—this is a fundamental principle. Don’t believe rumors and end up suffering losses when something happens.
I've been driving for over twenty years and never encountered a car catching fire on its own, but I've dealt with insurance companies and know the rules of auto damage insurance: it mainly covers losses from collisions, rollovers, or natural disasters like windstorms or floods. However, spontaneous combustion insurance is definitely not included; that's a separate policy, which only applies if you purchase it separately or as an add-on. Why the distinction? Spontaneous combustion is usually caused by electrical issues or aging, unrelated to accidents. I suggest you check your policy details immediately or call your insurance company to verify—don't wait until your car burns to realize. Maintaining your vehicle can prevent spontaneous combustion, such as regularly cleaning oil stains from the engine bay, but insurance is the last line of defense—don't skimp on this. Spending a few hundred dollars on spontaneous combustion insurance can buy you several years of peace of mind, especially for older cars, which are at higher risk.
