Does car insurance cover fire damage? Many insurance companies cover the damage caused to your car by a fire, depending on the reason behind the fire and what caused the damage.
The insurance company managing your auto collision claim will likely cover your claim if your vehicle catches fire after a car accident. Most commonly, comprehensive or supplemental fire insurance policies cover fire-related losses caused by other causes.
Meanwhile, check out Beem to compare car insurance quotes from different insurers to find the best deal for your budget.
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Does Car Insurance Cover Fire Damage?
If your auto insurance policy includes comprehensive coverage, it will cover fire damage.
Under comprehensive coverage, insurance companies cover cars damaged by non-accident events such as engine fires, wildfires, arson, and garage fires. Collision insurance usually covers fires caused by car accidents.
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What is the most common cause of car fires?
Vandalism or arson resulting in car fires should also be covered. For your claim to be processed, your insurer will investigate the fire, and you may be required to provide a copy of the fire report or a report from the emergency services that responded to the fire.
Your collision coverage will help if your car catches fire after an accident since the collision may have caused it. The homeowner’s liability insurance usually covers if someone hits you. Your collision coverage can cover fire losses to your car if you do not have comprehensive coverage.
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How Can I Avoid a Car Fire?
Here are some valuable tips to ensure you can avoid a car fire without putting in a lot of effort:
- Service your car regularly.
- Make sure your car doesn’t have too many accessories.
- Do not smoke in the car.
- Ensure that only authorized CNG kits are installed.
- Ensure the chargers you use are authentic.
- Be careful while opening the bonnet of the car.
- Have a small fire extinguisher in your car for emergencies.
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Which type of insurance covers a vehicle that catches on fire?
If your car is involved in a fire, your auto insurance will likely cover it. Your coverage and the circumstances of the fire will determine how much coverage you have.
Collision Car Insurance:
Generally, your collision insurance will cover the damage if your car catches fire due to an auto accident.
Comprehensive Car Insurance:
It covers damages caused by something other than an accident, such as a lightning strike or vandalism. Aside from meeting the mandatory coverage requirements (including liability coverage), this plan also offers damage coverage.
Supplemental Car Insurance:
Your comprehensive car insurance will cover any damage caused to your car by fire if you have one or a standalone damage care insurance plan.
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How to File a Claim for Fire Damage
Insurance companies thoroughly investigate car fires. The damage to your car should be reported immediately to your insurer if it is a genuine fire. If you file a claim for car fire insurance, you should provide your insurer with a few things to expedite the process. It would be helpful if you could provide the following information:
- Emergency services reports from the fire department, police or other agencies.
- A description and pictures of the incident.
- Information about vehicles, such as VINs and mileage.
- Loss of personal items in a fire.
Conclusion
Lastly, many insurance policies exclude coverage for intentional destruction and negligence-based damage. Therefore, your insurance may not cover damage caused by a failure to take proper safety precautions.
Do a thorough review of the insurance policy before finalizing the details. Beem can help you find the best auto insurance coverage for your car needs and ensure you save hundreds of dollars with impressive discounts.
