Will the Insurance Company Compensate for Car Spontaneous Combustion?
3 Answers
It depends on the specific situation. If the vehicle spontaneously combusts without having purchased spontaneous combustion insurance, the insurance company will not compensate. If the owner has purchased spontaneous combustion insurance, the insurance company will process the claim based on the actual circumstances. Generally, even if spontaneous combustion insurance is purchased, the insurance company will refuse to compensate in the following situations: 1. Modification: If the vehicle's spontaneous combustion is caused by modifications, the insurance company will refuse to compensate. 2. No Annual Inspection: If the vehicle has not undergone the annual inspection on time, the insurance company will also refuse to compensate. 3. Caused by Others: Additionally, if the vehicle's spontaneous combustion is caused by someone else, the perpetrator will be responsible for compensation if they can be found. If the perpetrator cannot be found, the insurance company will compensate up to 70%.
My car has been running for almost ten years. A while ago, my neighbor's car caught fire spontaneously, and since he had comprehensive insurance, the insurance company covered the loss, stating that as long as there were no unauthorized modifications or intentional negligence, it would be covered. Generally, comprehensive insurance includes vehicle damage coverage, and spontaneous combustion is included, but it depends on the contract details—such as having complete maintenance records. If maintenance wasn't done on time, the claim might be denied. I’ve also heard that spontaneous combustion is often caused by aging circuits or fuel leaks, so regular inspections can help prevent it. When filing an insurance claim, you should call the insurance company immediately, take photos of the scene, and provide proof of the incident. If something happens on the road, remember not to panic and call a tow truck to take the car to a repair shop for damage assessment. Overall, this kind of thing is quite common, so having good coverage is always a smart move.
Last year, my old car caught fire spontaneously, which gave me quite a scare. Fortunately, I had comprehensive insurance, and the insurance agent directly covered the repair costs. The process was quite straightforward: first, call 110 to report the accident, then take the car to a repair shop to check if the fire source was due to natural causes, not something like smoking or lack of maintenance. I think the key is the type of insurance policy—commercial full coverage basically handles it, but compulsory traffic insurance doesn’t cover this. For prevention, older cars need extra attention to the battery and wiring, and don’t skimp by going to small workshops for modifications. After the incident, I often remind my friends to keep a fire extinguisher in the car—it can be a lifesaver in critical moments.
