If the driver has purchased vehicle damage insurance for the car, the insurance company will provide compensation. Starting from September 20, 2020, the coverage of spontaneous combustion insurance has been merged into vehicle damage insurance, and the original spontaneous combustion insurance has been canceled. This means that if a vehicle catches fire spontaneously due to quality issues or non-human accidents, the vehicle damage insurance will be responsible for compensation. During normal use of the car, if spontaneous combustion occurs without any external fire source, such as due to aging of the car's wiring, the insurance company will provide compensation within the scope of the claim. However, if the spontaneous combustion is caused by items inside the car, the insurance company will not compensate. This is because fires caused by items such as car perfumes, lighters, or other placed objects are considered human factors, and the insurance company has the right to refuse compensation. Additionally, the insurance company will also refuse to compensate for losses caused by spontaneous combustion to electrical appliances, circuits, oil circuits, fuel supply systems, or the loss of transported goods. If a car catches fire spontaneously, the insurance company will compensate based on the actual loss of the vehicle. If it is a total loss, the compensation amount will be calculated according to the depreciation amount. However, it should be noted that each compensation for spontaneous combustion insurance is subject to an absolute deductible rate of 20%, meaning the maximum compensation amount will not exceed 80% of the vehicle's purchase price at the time of insurance.
