How to Claim Compensation for New Energy Vehicle Spontaneous Combustion?
3 Answers
Insurance companies stipulate that compensation for vehicle spontaneous combustion insurance covers three aspects: total loss, partial loss, and rescue expenses. The claim standards for these differ, but all implement a 20% absolute deductible rate, which vehicle owners should pay special attention to.
My Tesla caught fire once, and it was terrifying. The first thing to do is to extinguish the fire and call emergency services—safety comes first, don’t try to handle it yourself. Compensation is mainly resolved through insurance. If you’ve purchased the spontaneous combustion coverage under your commercial auto insurance, the insurer will generally cover vehicle damage and related losses. If it’s a quality issue, such as a battery design defect, you can file a claim with the manufacturer. I remember collecting the fire department report, accident photos, and the vehicle’s maintenance records at the time, and the insurance company processed my claim quickly. I’d advise new energy vehicle owners to regularly check for battery aging and avoid installing non-original accessories to reduce risks. After the incident, I also bought additional personal safety insurance, which gave me much more peace of mind. In short, don’t panic—take it step by step.
From a repair perspective, new energy vehicle fires are often caused by battery short circuits or overheating. In the event of an incident, prioritize safety first, then contact the fire department for an official investigation. Regarding compensation, it largely depends on your insurance coverage—commercial auto insurance typically covers fire damage, but claims require accident reports and repair invoices. If the manufacturer is at fault, such as with sufficient recall notice evidence, you can pursue compensation from them. Based on my experience, reviewing vehicle maintenance records is highly beneficial. For prevention, avoid prolonged charging in high temperatures and invest in high-quality battery protection accessories. Addressing these small details promptly can prevent major issues.
