Will the insurance company compensate if the car is burned by an external fire source?
2 Answers
As long as the vehicle damage insurance is purchased, the insurance company will compensate for the vehicle burned by an external fire source. Scope of claims for vehicle damage insurance: Collision, overturning, fire, explosion, collapse of external objects, falling of airborne objects, lightning strike, storm, tornado, rainstorm, flood, tsunami, ground collapse, ice collapse, cliff collapse, avalanche, hail disaster, mudslide, landslide, ferry carrying insured vehicles suffering from natural disasters, etc. Collision refers to the direct contact between the insured vehicle and external objects. Artificial scratches on the insured vehicle are not covered by the vehicle damage insurance. Overturning refers to the insured vehicle overturning due to natural disasters or accidents, losing its normal state and driving ability, and being unable to resume driving without rescue. When the insured vehicle suffers losses due to natural disasters or accidents within the scope of insurance liability, the insurer shall compensate according to the provisions of the insurance contract. Insurance precautions: Report the case within 48 hours after the accident. Provide relevant policy information, such as policy number, name of the insured, license plate number, vehicle model, vehicle color, etc. Also, provide case details, including time, location, people involved, cause, process, and result.
Last year, my friend's car was burned in a wildfire, and the insurance company paid the full amount without any deduction because he had comprehensive coverage that included external factors. Wildfires are accidental incidents, not the owner's fault, so insurance typically covers them. However, it's crucial to notify the insurance company immediately, bringing the policy and photos of the scene, and describing the fire's origin. They will send someone to investigate and verify the cause. If it's confirmed not to be intentional or a violation of policy terms, the claim process will go smoothly. My advice is not to delay reporting the incident, as evidence might be lost. Regularly check if your policy includes fire coverage and avoid parking in high-risk areas. In short, with the right insurance, compensation won't be an issue.
