Does Insurance Cover Car Fires?

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A car fire can be a disastrous event that causes serious personal injuries and expensive property damage. After surviving a car fire, it is up to you to call your insurance company to file a claim. Florida is a no-fault insurance state, meaning all parties involved in a vehicle accident will seek benefits from their own providers, regardless of fault. Contacting your auto insurance company could be the first step toward obtaining compensation for a severe car fire. If you need any additional advice seek the help from an injury attorney, we can help you answer any questions at no cost.

What Causes Car Fires?

Car fires are often preventable. The most common causes of car fires are car crashes and poor vehicle maintenance. A driver has the power to prevent both of these causes in most situations. Negligent vehicle maintenance is a major contributor to car fires. A fire can start because of a fuel leak, a short circuit that causes a spark, or an overheated vehicle. Proper car maintenance can prevent each of these issues.

Car accidents can also cause dangerous car fires. The vehicle damage in the impact could generate the ideal conditions for a vehicle igniting. Driving prudently, obeying roadway rules, and doing your best to avoid a crash could help you prevent a car fire. Despite your best efforts, however, you may find yourself dealing with a car fire that causes burn injuries, property damage, and a totaled vehicle. In these situations, one of your first phone calls should be to your insurance company.

Insurance Coverage for Car Fires

Florida car insurance laws do not require car fire coverage. Florida drivers must have a minimum of $10,000 in personal injury protection insurance and $10,000 in property damage liability. These types of insurance cover the other driver’s injuries and damages, not the driver that owns the policy. Drivers will only receive coverage for their own damages if they have purchased additional insurance, such as comprehensive coverage.

Comprehensive coverage is one of the only types of auto insurance that will give policyholders benefits for a car fire. This coverage will pay for car fire damages regardless of who or what started the fire. Whether the fire happened in a collision, because of negligent maintenance, through arson, a wildfire, or a garage fire, comprehensive coverage will pay for damages. The policyholder may only have to pay a deductible.

Insurance coverage for car fires is not a guarantee. Coverage depends on the type of coverage a driver has paid to possess. For example, if a driver’s own negligence caused an accident that resulted in a car fire, that person’s insurance would not cover damages unless the driver paid for comprehensive coverage. If, however, another driver caused the car accident, the at-fault driver’s insurance may pay for car fire damages if no-fault insurance does not work. Another driver’s insurance may cover your damages in Florida if he or she caused the crash.

Tips for Car Fire Insurance Claims

If you believe you have the right to insurance coverage for damages resulting from a car fire, contact your insurance provider and discuss your policy. Your insurance agent can walk you through the provisions of your policy, as well as explain coverage types and amounts for car fires. Should you encounter an insurance claims adjuster that tries to lowball your settlement amount, deny your claim, or unfairly delay payout, contact a car accident attorney for counsel. You may need a lawyer to negotiate a better settlement on your behalf.

A lawyer can make sure your insurer does not take advantage of you or offer less than your car fire claim is worth. While you focus on repairing your vehicle and healing from any burns or other personal injuries, your lawyer can be fighting for fair compensation on your behalf. Your lawyer can also help you file a personal injury lawsuit against another driver, a vehicle manufacturer, or another party if someone else’s negligence caused the car fire.