Is there compensation for not purchasing spontaneous combustion insurance but having vehicle damage insurance?
1 Answers
Vehicle damage insurance has a specified scope of compensation. If the loss is due to spontaneous combustion but spontaneous combustion insurance was not purchased, the insurance company will naturally not provide compensation under spontaneous combustion insurance. Below is relevant information: 1. Spontaneous Combustion Insurance: Spontaneous combustion insurance is an additional coverage to vehicle damage insurance and can only be purchased after vehicle damage insurance is in place. The insurance liability of spontaneous combustion insurance covers: losses to the insured vehicle caused by fires resulting from issues with the vehicle's circuits, wiring, fuel lines, fuel supply system, cargo itself, or friction during vehicle operation, as well as reasonable rescue expenses incurred by the insured to minimize vehicle damage during such incidents. 2. Requirements for Purchasing Spontaneous Combustion Insurance: Vehicle owners can only purchase spontaneous combustion insurance after having vehicle damage insurance. The insured amount for spontaneous combustion insurance is generally determined through negotiation based on the actual value of the vehicle, and the premium is relatively low. After a vehicle experiences spontaneous combustion, the insurance company will provide corresponding compensation based on the extent of the damage.
