Is Car Spontaneous Combustion Covered by Insurance?

[VonReed]

If a vehicle catches fire spontaneously and the owner has not purchased spontaneous combustion insurance, the insurance company will not compensate. If the owner has purchased spontaneous combustion insurance, the insurance company will handle the claim based on the actual circumstances. Generally, the insurance company will refuse to compensate in the following situations even if spontaneous combustion insurance is purchased: 1. If the vehicle catches fire due to modifications, the insurance company will refuse to compensate. 2. If the vehicle has not undergone the annual inspection on time, the insurance company will also refuse to compensate. Notes: Additionally, if the vehicle's spontaneous combustion is caused by someone else, the responsible party should compensate if they can be identified. If the responsible party cannot be found, the insurance company will cover up to 70% of the loss.