There are a couple of things you need to know about coverage and insurance claim process if your car has a fire. Because there are various scenarios that cause the car to ignite, it is expected that the limits of each range and procedure will be different. Continue reading to learn basic information on car insurance claims and insurance coverage when cars are destroyed by fire.
Automobile fires obviously cause great damage to vehicles. In most cases, the car will be a total loss after launch of the engine or chassis. Fortunately, most insurance contracts provide additional compensation for fires. This is called "comprehensive coverage" and covers the damage caused by the fire irrespective of the occurrence of the fire. However, before the fire occurs, you need to purchase this type of coverage. Some of the most common causes of automobile fires include car accidents, engine fires, garage fires, and fires.
A car accident
Car accidents are one of the most common causes of car fires. Critical vehicle collisions and accidents may damage fuel lines and fuel tanks and cause gasoline leakage. A small spark from the metal that collides with is all that is necessary to cause combustion. This is the reason for a fire after car accident.
With regard to insurance coverage, the answer may be complicated. Damage can be comprehensive or conflict depending on fire occurrence situation and coverage parameters. You need to talk with your insurance coordinator to learn more about the specific policy. If you do not have collision compensation insurance, there is still the possibility of covering it comprehensively.
Garage fire
In the case of a fire in the more general garage than you think, the vehicle may suffer serious damage. In most cases, they are total rendered. Because garage fire is generally caused by home dangers or failures, people owner of the house, insurance covers damage to the vehicle. But the truth is, the homeowner, insurance does not cover the car. Instead, cars broken by garage fires are only covered in a comprehensive range.
Fire of the engine
Engine fires generally result in total loss vehicles. The cost of purchasing and installing a new engine is often close to the actual cash value of the vehicle. In this case, the overall coverage will cover the fire of the engine. However, it is important to know that the car insurance policy does not cover the mechanical defects of the car engine. Fire is the exception to this rule. Regardless of whether the vehicle is a complete loss or not, the car insurance policy will be the actual cash value of the vehicle minus the owner's premium deduction.
arson
I do not mention much about criminal behavior of arson, but except for what happens to vehicles, damage can be covered with car insurance insurance. Since comprehensive coverage is targeted at vandalism, damage will be covered as long as the police report is made when the vehicle intentionally fires.
Sales of cash total cars
If your car is hurt by a fire, you probably have a complete loss vehicle in your hand. Sell your total car in cash to local nuisance car buyers. They will pay you cash on the actual cash value of your vehicle. This is sometimes more than what you can get from your insurance company!
