Will the Insurance Company Compensate for Vehicle Spontaneous Combustion?
2 Answers
If the vehicle spontaneously combusts and the owner has not purchased spontaneous combustion insurance, the insurance company will not compensate. If the owner has purchased spontaneous combustion insurance, the insurance company will assess the claim based on the actual circumstances. Generally, even if spontaneous combustion insurance is purchased, the insurance company will refuse compensation under the following situations. Here is additional information: 1. If the vehicle's spontaneous combustion is caused by modifications, the insurance company will refuse compensation. 2. If the vehicle has not undergone annual inspection on time, the insurance company will also refuse compensation. 3. In addition, if the vehicle's spontaneous combustion is caused by another party, the responsible party will compensate if they can be found. If the responsible party cannot be found, the insurance company will compensate up to 70%.
Having driven for over a decade, what I fear most is vehicle self-ignition because the losses can be enormous once it happens. The key is to check what the insurance policy states. If you've purchased the additional self-ignition loss coverage, the insurance company will generally compensate, but you'll need evidence to prove it was self-ignition and not human interference, such as aging wiring or high temperatures causing it. If you only have basic commercial insurance, it typically doesn't cover self-ignition, meaning you'd have to pay for repairs or a replacement out of pocket, which would be a huge loss. I recommend checking your policy during the annual vehicle inspection and asking the insurer if it includes this coverage—don't skimp on small savings only to incur big losses. Regular maintenance is also crucial: cleaning engine carbon deposits and avoiding haphazard wiring modifications can reduce the risk of self-ignition. Safety comes first, after all; everyone wants their car to run smoothly.
