Will the insurance company compensate for car spontaneous combustion?
1 Answers
If the vehicle's spontaneous combustion is caused by its own common faults, the car insurance company is obligated to pay the insurance compensation. However, if the spontaneous combustion is due to human operational errors, compensation may not be guaranteed. Spontaneous combustion insurance is an additional coverage under the commercial insurance for motor vehicle hazards. Vehicle owners can only purchase spontaneous combustion insurance if they have already bought the basic commercial insurance for motor vehicle hazards. Spontaneous combustion insurance covers the damage to the insured vehicle caused by spontaneous combustion and the necessary and reasonable rescue expenses paid by the beneficiary to prevent and reduce the vehicle's damage. However, it does not cover the exclusions listed in the policy terms or intermittent damages caused by spontaneous combustion. The compensation standard is that if, during the insurance period, the insured vehicle suffers damage due to spontaneous combustion caused by its own electrical circuits, wiring, fuel system, air supply system, or cargo inside the vehicle, full compensation for total loss, partial loss, and the necessary, reasonable rescue expenses paid by the beneficiary to prevent or reduce the damage to the insured vehicle will be provided.
