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Will car insurance cover electrical fires?

Fire is a common cause of a fire in vehicles, often leading to totaling of the vehicle by an insurance company. It is covered by your auto insurance policy if you purchase the correct coverage. Start comparing car insurance rates now by using our FREE tool above! According to FEMA, 1 in 6 fires involves a highway vehicle. The causes of these are often a failure of equipment on the vehicle. Twenty-eight percent of the fires are caused by a failure of the insulation around electrical wiring, and twenty-one percent are aggravated by flammable liquids in the engine.

Coverage under Automobile Policies

Automobile insurance policies are a combination of different types of insurance coverage. A portion of the coverage sold is liability insurance and a portion of it is classified under damage to the automobile.

  • Bodily injury liability, which is your responsibility as the driver for injury or death for another person if you are deemed to be responsible for the accident.
  • Medical payments or Personal Injury Protection as payment for injuries to you or your family, resulting from an accident is usually offered.
  • Property damage liability to pay for your responsibility for property damage to others when you are responsible for an accident.
  • Underinsured and Uninsured Motorist’s coverage that pays for injury to you and your family if involved with someone who does not have insurance.
  • Collision coverage that covers damage to your own vehicle from a collision with another car, an object, or flipping over.
  • Comprehensive coverage, paying for damage from the following perils: fire, falling objects, theft, missiles, explosion, earthquake, windstorm, hail, flood, contact with animals or damage to glass – about anything but a collision.

Coverage for automobile fires is offered under Comprehensive coverage. A deductible usually applies and should be considered carefully since the deductible comes directly from a settlement. It also affects your automobile premiums.

More Information about Automobile Fires

Leshner and Associates, a firm that processes information and expert testimony for automobile claims, indicated in an article that the typical vehicle fire begins slowly in the early stages. This ordinarily allows passengers to escape without substantial injury unless the occupant is asleep, disabled, intoxicated, or too young to escape. In some cases, animals are not able to exit the vehicles and are killed in this type of fire.

Be aware that Comprehensive coverage is not intended to take the place of maintenance of the vehicle. Electrical wiring and connections should be checked to determine if the insulation, connections, and fusing is adequate. Even though insurance may cover the fire if it occurs, the cost, trouble, and care of losing a vehicle is considerably more than the actual value of the vehicle.

Flood and Exposure to Vehicle Fires

Often when a vehicle is flooded, it is necessary to examine the engine interior for damage. Wiring can deteriorate at the very least and water can infiltrate the engine and fuel system. Even before the adjuster arrives, begin the drying out process by disconnecting the battery, checking the oil for water, and examining the fuel system for water.

Flood damage is covered under Comprehensive insurance, so you need to allow your insurance company to look at the damage.

As many of us know, electrical systems do not survive water damage well. Insulation can deteriorate and rot, causing the systems to fail eventually. For this reason, it is necessary to double-check vehicles you purchase for water damage. Many cars are totaled and resold in other states with a normal title, rather than a salvage title. Unsuspecting purchasers can end up with these vehicles, incurring the possibility of system failures and fires after the vehicle is purchased. When buying a used vehicle at auction or on-line, be sure to have your mechanic check the vehicle for water damage.

Automobile fires are covered under auto policies if you purchase Comprehensive coverage with your auto policy. This often-encountered problem can be devastating to you and your family, so make sure you have the best coverage. You can use an online comparison tool to shop rates, making sure you get the best coverage for the best price. Start comparing car insurance rates now by entering your zip code in our FREE tool below!

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