Will Insurance Cover Vehicle Spontaneous Combustion?
2 Answers
If spontaneous combustion insurance was not purchased, the insurance company will not cover vehicle spontaneous combustion. If the owner has purchased spontaneous combustion insurance, the insurance company will handle the claim based on the actual circumstances. Below is an introduction to claim scenarios with spontaneous combustion insurance: 1. If the spontaneous combustion is caused by a vehicle malfunction, the insurance company will compensate. 2. If the vehicle's spontaneous combustion is due to modifications, the insurance company will deny the claim. 3. If the vehicle has not undergone annual inspection on time, the insurance company will also deny the claim. 4. If the vehicle's spontaneous combustion is caused by hazardous materials placed inside, the insurance company may not compensate. 5. If the vehicle's spontaneous combustion is caused by another party, the responsible party will compensate if they can be identified; otherwise, the insurance company will cover up to 70%.
A friend of mine had a car that spontaneously combusted, and I was there to help deal with it. The insurance company compensated him because he had purchased vehicle damage insurance with an additional spontaneous combustion rider. However, this depends on the specific policy details, such as whether the spontaneous combustion was due to vehicle aging or electrical faults rather than aftermarket modifications. The compensation process was a bit tedious—first, we had to report it to the fire department to confirm the cause, then contact the insurance adjuster. I usually recommend regularly checking the car's battery and fuel lines, especially older components, as prevention is always better than dealing with the aftermath. Also, when settling a claim, the insurance company will refer to the vehicle's residual value to determine the compensation amount, so it's important to read the policy terms carefully when buying car insurance—don't skimp on that. If it happens, don’t panic—ensure your safety first, then take photos for evidence to make the claims process smoother.
