Car fires – Does car insurance cover them?

Car fires are rare but devastating, causing significant damage or total loss. If your car catches fire, you may wonder whether your car insurance will cover the damage. The answer depends on the type of insurance coverage you have and the cause of the fire.

Car Fires And Care Insurance 

Comprehensive Coverage

If you have comprehensive insurance, your car is covered against fire damage, regardless of how the fire started. Comprehensive insurance is optional but is typically required if you have a loan or lease on your car. It covers a variety of non-collision incidents, including theft, vandalism, natural disasters, and fires.

Collision Coverage

Collision insurance covers damages to your car from an accident with another vehicle or object. If your car catches fire due to a crash, your collision coverage may apply, but only if the fire directly results from the accident. Otherwise, you would need comprehensive coverage for fire damage.

Liability Insurance

Liability insurance is required in most states, but it only covers damage and injuries you cause to others. It does not cover fire damage to your vehicle. If your car catches fire and you only have liability insurance, you must pay for the repairs or replacement out of pocket.

Most Common Causes of Car Fire

Car fires can result from several different factors, and insurance may cover them depending on the cause:

• Mechanical Failures: If a fire starts due to an engine overheating, oil leaks, or electrical malfunctions, comprehensive coverage will typically cover the damage.
• Car Accidents: If your car catches fire after a crash, collision coverage may pay for repairs or replacement. If another driver was at fault, their liability insurance might cover your damages.
• Arson: If someone intentionally sets your car on fire, comprehensive coverage should pay for the damages, but you must file a police report and work with your insurer to confirm the claim.
• Natural Disasters: Comprehensive insurance will cover the loss if a wildfire or lightning strike causes your car to catch fire.
• Manufacturing Defects: If a manufacturer’s defect causes a car fire, you may be able to file a claim with the carmaker instead of relying on insurance.

What to Do If Your Car Catches Fire

1. Ensure Safety: Exit the vehicle and move a safe distance away.
2. Call 911: Report the fire to emergency services.
3. Document the Damage: Take photos and notes of the scene.
4. File an Insurance Claim: Contact your insurer to begin the claims process.

Contact Us 

Car insurance can cover fire damage, but only if you have comprehensive or collision coverage, depending on the cause. If you only have liability insurance, you won’t be covered. Consider adding comprehensive coverage to your policy to protect your car against unexpected fire damage.

Get a car insurance quote by calling us at (541) 318-8835 or click here!