Will the insurance company compensate for a car catching fire spontaneously?
1 Answers
Purchasing spontaneous combustion insurance will result in compensation. A vehicle catching fire spontaneously falls within the coverage of spontaneous combustion insurance. Only if the car owner has insured against spontaneous combustion will the insurance company compensate according to the terms agreed in the contract. However, if the insured vehicle catches fire due to modifications or failure to undergo annual inspections on time, the insurance company will also refuse to compensate. Coverage of car spontaneous combustion insurance: Coverage one: Losses to the insured vehicle caused by fires due to issues with the vehicle's electrical system, wiring, fuel system, gas supply system, cargo itself, or friction during vehicle operation. Coverage two: Necessary and reasonable rescue expenses incurred by the insured to reduce the loss of the insured vehicle during the insurance incident. Coverage three: The victim bears the burden of proof for spontaneous combustion caused by the vehicle's own issues. If the victim can prove that the product had a defect, the use of the defective product caused damage, and there is a legal causal relationship between the defective product and the damage, then product liability is established. The producer must then provide evidence for statutory exemptions. If they cannot prove the existence of exemption circumstances, they shall bear the liability for damages.
