How to Handle Vehicle Spontaneous Combustion Insurance?
2 Answers
If the vehicle has purchased spontaneous combustion insurance, the insurance company will compensate for spontaneous combustion caused by the vehicle's own malfunction. If the vehicle's spontaneous combustion is caused by hazardous materials placed inside the car, the insurance company may not compensate. If spontaneous combustion insurance is not purchased, there will be no compensation for vehicle spontaneous combustion.
I've experienced quite a few cases where cars were damaged by natural disasters, and I've learned that the most important thing when dealing with insurance is to act promptly. The first step is not to delay—contact your insurance company to report the incident as soon as it's safe, providing details such as the time, location, and extent of the damage. Photos and videos are great for evidence. Then, they'll arrange for an assessor to inspect the damage—just wait and don’t attempt any repairs yourself to avoid claim rejection. My lesson is to review the policy terms early on, so you don’t find out too late that certain damages aren’t covered. Prevention is also key—like parking on higher ground to avoid floods or avoiding driving during storms. Throughout the process, stay patient and cooperative with communication, and the compensation can usually be settled in about one or two weeks. Don’t rush or panic—safety comes first.