When most people inquire about car insurance, they rarely think of asking about fire damage. Depending on where you live, fire damage is a distinct possibility. Living in areas where wildfires are common will increase your risk of fire damage. There are also other types of fire and smoke damage that can impact the condition of your vehicle. You must learn as much as you can about fire-related car damage so that you have the right type of coverage for your needs. Following are some crucial car insurance caused by fire damage claim tips to help you.
Fire, Smoke, and Ash Damage
Wildfires are responsible for more than just fire damage to your vehicle. Smoke and ash damage are also possible. While fire can do the most harm by damaging the actual structure of your car, smoke and ash can impact the air filters, interior components, and how the engine performs. Falling ash contains calcium and potassium, which can damage your car when wet. Any one of these types of damage can render your vehicle irreparable. The investigation that is performed after a fire claim will usually go fairly quickly if a wildfire caused the damage.
Types of Fire Damage
Wildfires are not the only cause of fire damage when it comes to vehicles. After an accident, there is an increased risk that your car may catch fire. Exposed wires or a leaking fuel system will increase your risk of a fire. This is part of the reason that you are encouraged to move away from your vehicle after an accident. It only takes one spark, either from the car itself or an outside source, to cause a fire. Fire damage may also be caused if your vehicle is parked in a garage and a fire starts nearby.
What Types of Auto Insurance Coverage Covers Fire Damage
Two types of auto insurance will cover fire damage. Comprehensive insurance will cover all types of fire damage, including other types like smoke, ash, and water damage. Comprehensive coverage is an “all-purpose” coverage that will protect you no matter what caused the fire. On the other hand, collision insurance will only cover fire caused or is the direct result of a collision, even if the accident was your fault.
Understand What Happens When You File a Claim
If your vehicle has received any fire-related damage, you must understand what will happen once a claim has been filed. Immediately after you file a fire claim against your auto insurance, an investigation will be conducted by your insurance firm to determine the cause and the extent of the damages. The nature of your claim and whether you are at fault are two factors that are considered when determining premiums. If you have concerns about whether your premiums will go up, you will need to talk to your insurance agent.
Fire damage is not as uncommon as many people believe. When you need answers about “car fire damage” and what will happen if you file a claim against your auto insurance policy, you need to talk to insurance professionals. Our expert agents at Weeks & Associates Insurance Services in Thousand Oaks, California, have the answers that you need! Contact us today to understand more about auto insurance and get the peace of mind you deserve.