Car owners often wonder if their car insurance covers fire damage. The answer is complex, as it varies depending on the type of policy and the circumstances surrounding the fire. This blog will discuss what causes a car to catch fire and how car insurance may cover fire damage. We will also discuss what you can do to avoid a car fire in the first place.
What Causes a Car to Catch on Fire?
When a car catches on fire, it is usually due to a mechanical failure or an accident. The most common cause of a car fire is an electrical fault in the car’s wiring. A frayed or worn wire or a loose connection can cause this. Another common cause of car fires is a fuel leak. If fuel leaks onto a hot engine can also trigger a fire.
In addition to mechanical failures and accidents, a car can catch fire due to arson. Arson is the intentional act of setting fire to someone else’s property. It is a crime and has severe consequences for those convicted.
Finally, car fires can be caused by a natural disaster such as a wildfire or a hurricane. In many cases, the fire department cannot control the fire, and it spreads to the car.
How Does Car Insurance Cover Fire Damage?
If your car is damaged due to a fire, your car insurance may help cover the cost of repairs. Most car insurance policies include fire damage coverage as part of their comprehensive coverage. Comprehensive coverage is designed to cover damage to your car caused by something other than a collision. This can include damage caused by fire, hail, theft, vandalism, and more.
If your car is damaged due to a fire, you should first contact your car insurance company. The insurance company will likely send an adjuster to assess the damage and determine the cause of the fire. Once the cause of the fire is determined, your insurance company will determine if the damage is covered under your policy. Your insurance company will pay for the repairs minus your deductible if your damage is covered.
How Can I Avoid a Car Fire?
- Get your car serviced regularly and replace worn or frayed wires.
- You should also check your car’s fluid levels, such as oil and coolant regularly and have any leaks fixed as soon as possible.
- You should also be careful when refueling your car. Ensure you only use the correct fuel type and do not overfill the tank. If you smell gasoline while refueling, you should stop immediately and have your car checked by a mechanic.
If you are involved in an accident, you should check your car for mechanical damage before driving it again.
Finally, you should protect your car from the elements if you live where wildfires or hurricanes are common. This includes parking your car in a garage or carport or using a fire-resistant cover to protect it from flying debris.
Get the Right Insurance Coverage with Scavone Insurance!
In conclusion, car insurance may cover fire damage under comprehensive coverage. However, if the fire was caused by arson or if the car was stolen and set on fire, your insurance company may not cover the damage. The best way to avoid a car fire is to keep up with regular maintenance and take steps to protect your car in the event of a natural disaster.
If you have any questions about car insurance coverage for fire damage, you can get them clarified by one of our insurance experts. Scavone Insurance is here to help you understand your coverage and resolve all your related questions. Contact us today to learn more.