Will Auto Insurance Cover an Engine Fire?

Auto insurance is a valuable investment, but it’s also important to understand the type of coverage you have. Even those with the most comprehensive policy will find limitations within it. If your vehicle is significantly damaged, such as from a fire, you may or may not have insurance to cover that loss. It all depends on the type of insurance and the underlying cause of the fire. Take the time to choose a plan that’s right for you and that offers you the extensive protections you need.

What Type of Insurance Do You Have?

If you have basic liability insurance, you have no coverage for fires. If you have comprehensive insurance, you may. Comprehensive auto insurance provides protection from losses caused by fire. That fire must come from vandalism, forces of nature, theft, or some other form of non-collision. If you are involved in a collision and that is what causes the fire, then your collision coverage (if you have it) may offer some protection for you. Nevertheless, there are limitations even here.

What’s the Cause of Your Engine Fire?

Typically, engine fires occur due to a lack of maintenance. They can happen through normal wear and tear as well. These are not losses that your car insurance will provide coverage for. There are some situations where your engine fire may be covered under a comprehensive plan. For example, if your vehicle suffers a mechanical failure, not related to maintenance or normal wear, it may have coverage. If the vehicle’s engine catches on fire as a result of a house fire, that may be covered too.

Is your claim covered? To find out, contact your insurance agent to learn more about your current auto insurance plan. The policy will outline specifically what coverage you have and what is not a part of your policy. You’ll also find information on what the policy excludes. This is where information related to the vehicle’s maintenance may be expressed.