Yes, car insurance covers fire damage if the policy includes comprehensive coverage. Comprehensive coverage pays to repair or replace cars that are damaged by non-accident events, including engine fires, wildfires, arson, and garage fires. Fires caused by a car accident are usually covered by collision insurance.
Drivers who carry liability-only insurance or their state’s minimum car insurance coverage will not be covered for fire damage. Liability insurance does not cover the policyholder’s own car, since it pays for other people’s injuries and damage to other people’s property.
Comprehensive insurance is an optional form of coverage in every state. As a result, you must have purchased comprehensive insurance before the damage occurs for a fire to be covered. In fact, many insurers prevent new customers from purchasing comprehensive insurance when wildfires pose an immediate threat to an area.
Like with other types of insurance claims, it’s best to provide as much information as possible when filing a car insurance claim for fire damage. For instance, you should include a copy of the police or fire department report, as well as contact information for any emergency department that responded. In addition, it’s best to provide your insurer with the receipts for any recent repairs or engine work. Comprehensive insurance does not cover engine problems or breakdowns, but it does cover engine fires.
Finally, it’s worth mentioning that many insurance policies specify that intentional destruction and damage caused by negligence will not be covered. So if you failed to take proper safety precautions, your insurance might not pay for the damage.
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