The experts of the car insurance industry say that if you have insured your car with a comprehensive car insurance plan, then the insurance company provides you coverage against any loss or damage to your vehicle caused because of fire. These losses and damages can be internal or external such as damage in the wirings of the car or damage to the electrical fittings of some of the electrical parts and vehicle components because of fire. For claim settlement, fire is termed as actual ignition in or of the car in the flames that is visible. In this way, if your car is damaged because of short-circuiting or overheating, then it is not considered as real fire and the claims for it are not accepted by the insurer.
Therefore, damage or loss to your car because of fire is covered under the comprehensive plan. However, such damages are not covered in third-party insurance. With a comprehensive plan, the insurance provider honors the claim if it has made sure that the loss or damage is because of fire or because of external or internal means. However, if the damage due to fire is proven to be intentional by the owner, then the claim is rejected by the insurer.
One more example to understand this is when vehicles are set on fire because of riots. Even such cases are covered in best car insurance with comprehensive coverage. If the engine catches fire and the vehicle is burnt completely, then the insurer pays the value of the car minus deductibles.
When your car catches fire, you should contact your insurance provider immediately and the police for reporting the issue. Immediate reporting of the issue to the insurance provider helps to arrange a spot survey. The surveys at the spot help to settle the claim fast. The insurer can also ask to provide a detailed copy of FIR that contains the details of the incident. This consecutively helps the insurer to carry out their investigation. While investigation, if it is found that the accident was planned or a result of some thoughtful attempt of the insured for claiming the insurance, then the claim is rejected.
You have to provide the following documents for claim settlement:
There are a few scenarios wherein the claim of your car insurance policy is rejected if your car catches fire. These scenarios are:
The claims because of a car fire can be rejected if any unauthorized accessories are fitted in your car and the fire is caught because of such accessories. Therefore, the car owners should ensure to use authorized accessories and as well make sure that the original system of wiring is not altered beyond the mentioned limit.
It is, therefore, necessary that car owners don't tamper the car's original electric system for fitting the accessories that consume higher voltage. The mechanic at the time of repair should ensure that the wiring system is not at all tempered. The owner should also install a small fire extinguisher in the car that can help in the case of an emergency.
There are some expenses and risks other than some permanent exclusions that are mentioned above, that are not included in a standard comprehensive policy, but may be included within the policy by paying some extra premium, these are:
These are some of the add-on covers or riders, however there are many other riders that you can opt for.
If you know about insurance policies, then you may also know that nothing comes with a mark of an asterisk. While what your insurance plan covers is written in bold and big letters, its exclusions and terms & conditions are mentioned in small letters and a car insurance plan is nothing different. However, keeping inclusions and exclusions and conditions of your insurance plan in mind, you can easily process the claim and get it settled. So, in case of damage from a fire in your car, go for claim settlement and if it is genuine, then your insurance provider will settle it.
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