How To Set A Car On Fire For Insurance 

How To Set A Car On Fire For Insurance 

As the number of vehicles on the road increases, it not only creates traffic and pollution issues but also sometimes leads to fire incidents in the last few years. But, here, in most cases, your insurance provider will not take responsibility for such cases and blame the tempered wiring of the car, so what should you do in such a situation?

How To Set A Car On Fire For Insurance? What are the reasons behind the cancellation of the claims? More questions arise here, and we bring this article for you to give an accurate solution to all such questions. So, read it out and find the best insurance solution in such a situation.

Does the Car Insurance Policy Cover Fire Damage?

Well, as per the car insurance experts, if the policyholders have a comprehensive or standalone damage care insurance plan, it will cover any losses or harms caused to your vehicle by fire, and, no matter whether the loss is external or internal, like damage to the car’s wiring, or damage to the electrical fittings, all are includes in this car insurance policy.

Does the Car Insurance Policy Cover Fire Damage?

On the other hand, please note here that if your car caught fire because of any short-circuits or overheating, you will not be eligible to file a fire insurance claim.

How To Set A Car On Fire For Insurance:

As we said above, there are a few ways in which you can be eligible to file a claim. So, the very first thing we need to do is contact your insurance firm as soon as possible because as much hurry you do to connect with your insurance provider, that much hurry you will recover your losses. 

After connecting to your insurance company, your provider will send an investigation team to check all the details related to the fire; later, the adjuster will investigate everything about the claim, such as the level of damages, depreciation, etc. Not only that, but one should also submit an incident report when filing a claim.

Apart from this, there are a few more information you need to submit while filing a claim, such as;

  • Immediately submit the report from the fire department or police to your insurance provider.
  • Add a to z description of the incidents, and attach photos.
  • Ensure you have added all the essential information about your vehicle, such as VIN, current mileage, etc.
  • Here, you must also have a list of personal items damaged or lost in the fire, such as mobile phones, wallets, etc.

Now, to add more details to the file claiming process, you need to can also add a repair cost, too. 

In short, this is a straightforward way to set a car on fire for insurance, but make sure your claim is accurate because you may be penalized if you try to make a fraud claim.

Documents Required for Filing a Claim:

For the claim settlement here, you need to submit the following information such as;

  • Duly Fill and sign the claim form.
  • Submit the FIR you registered and send them the final investigation report.
  • Copy of your insurance policy.
  • Send the report of the fire brigade, if any.
  • Survey report for the losses.
  • Original replacement and repair bills.

Reasons Behind the Rejection of Claim:

It’s not at all mandatory that the provider accepts all the claims; there are a few reasons behind the rejection of claims, such as;

  • The first reason behind the rejection of the claim is if the car caught fire because of fuel seepage, oil leakage, engine overheating, etc.
  • If the sparks are caused by a tear in the car’s electric wiring system, then there is a chance that your claim should rejected, too.
  • If you have added a claim for air conditioner replacements or installations with LPG Gas kits, the provider will reject it, too.
  • If your car caught fire by any short circuits, you are not eligible for the insurance claim.

Exclusions that You can Include by Paying a Small Surcharge:

The above given are those claims that permanently exclude one from the claiming process, but still wait, dear readers, there are a few more things you can add to your policy by paying some extra charges on it, such as;

Exclusions that You can Include by Paying a Small Surcharge:

  • Typical Wear and Tear:

Typically, the compensation policy doesn’t include the wear and tear cost. But, here, you can add the wear and tear coverage to your policies by paying a few more charges.

  • Roadside Assistance:

You can add these coverages to your insurance policy because the roadside assistance service is available 24*7.

  • Zero Depreciation:

Zero Depreciation, also known as nil depreciation, is an insurance rider that removes the depreciation factors from your vehicle and later provides full coverage options.

  • Extended Accidental Cover:

We all know that average accident coverage and personal injury coverage will all be included in your insurance policy itself. But what about its co-passengers and contracted drivers’ safety? Are their safety also included in your insurance policy? The answer is no, but you can add them by purchasing an optional add-on to cover co-passengers and paid drivers.

Final Words:

We hope you have enough information about the documents it requires, how to file a fire claim, what it permanently excludes, and more. 

Thus, if you need help setting up your fire-claiming process, read the entire article carefully, as based on that, you will learn more about which things you can add by paying some extra charges and more.

At last, thanks to all the readers for spending their valuable time reading the entire article, and if you have any queries, please feel free to comment on our website comment section.