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Does car insurance cover electrical fires?

What happens if my vehicle has an electrical fire? Will car insurance cover that?

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Chanice Boyd · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Yes—car insurance will cover electrical fires if you opt for
comprehensive coverage
.
Comprehensive coverage provides protection for damage that’s outside of your control. Events like natural disasters, vandalism, spontaneous fires, etc., would fall under this umbrella.
Older vehicles with little to no maintenance increase the risk of electric fires. Things like collisions, leaking fuel systems, poor maintenance, and overheating engines are some common causes.
Staying on top of maintenance can help to reduce your chances of fires. Here are some preventative measures you can take right now:
  • Fix any leaks in your car
  • Visit your mechanic frequently, especially if your car is overheating
  • Don’t smoke in your vehicle
  • Secure your fluid caps
Pro tip: Keeping your car in excellent working condition can reduce your chances of experiencing an electrical fire.
Your best bet is to have both collision and comprehensive coverage for protection in any event.
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