Things to Know About Car Insurance Policy Covering Fire Damage

Accidents can happen without any warning. It is best for you to prepare yourself before mishappenings. Getting your car on fire is unsettling and your biggest nightmare. Here’s hoping that you never face such a problem, but somehow your car catches fire, what should you do? You may wonder if your car insurance policy is going to cover your damages caused by fire? Read on to find out.

Things to Know About Car Insurance Policy Covering Fire Damage

Comprehensive car insurance covers fire damages but if you own a third-party liability car insurance policy, then the company is not going to cover the damages. A comprehensive insurance policy meets the requirements of mandatory cover and own damage. Comprehensive insurance policies are expensive as compared to third-party rejected insurance policy but they can cover any damages that can happen to your car including car fires.

• Reasons for Car Fire

There are several reasons through which a car can catch fire. Here are some of the reasons-

• Garage fire: There can be a short-circuit in your garage and it can cause the entire area including your car to burn.
• Engine fire: If your car is not in good condition or if there is an issue with the engine or overheating of the engine can cause a fire.
• Car accidents: Major car accidents can result in cars blowing up in flames.
• Mechanical issue related to fire: Faulty wires in your car can cause a fire. While fitting extra accessories, some people tamper with the original wiring.
• Vandalism-related fire: Cases of rioting cause damage to property. Vandalism can cause a car to blow up in flames.

• How to Make a Claim for a Burnt Car?

Here is a stepwise process.

Step 1: Contact your insurance company.

Step 2: Share your policy details and state your intent to raise an insurance claim.

Step 3: Submit the necessary document asked by the company.

Step 4: The company will have a look at the damaged car and will inspect the cause of damage. You should cooperate and answer all questions honestly.

Step 5: The company will accept or reject the claim based on the survey. If your claim is accepted, you will receive the claim amount as per the policy’s terms and conditions. If your claim is rejected, you will be informed about the reasons.

Must Read: Things To Check While Buying Car insurance

• Documents Required

You will be asked to give the following documents-

• Claim form.
• Car insurance policy.
• In case of vandalism, newspaper cuttings featuring the riots.
• Original car-repair bills.

• Reasons for Claim Rejection

Your claim might get rejected due to the following reasons-

• Inactive policy.
• Inadequate coverage.
• Voluntary damage.
• Violation of the terms and conditions stated in the Policy.

Take Away

Always take precautions to avoid your car from being damaged by fire. Make sure your car is parked in a safe place. Ensure regular servicing of the car. Do not tamper with original wiring. Always call a professional if there is any issue with the wiring.

Also Read: 

How Many Car Insurance Claims Can be Filed in a Year?

Tips to Maintain Safety on Roads While Driving A Car

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.