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Does car insurance cover vehicle electrical fires?
My friend from work just told me he had an electrical fire in his car and his insurance refused to pay out. I thought that was covered by insurance. Does car insurance cover electrical fires?
Bellina Gaskey · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Great question! Car insurance will cover electrical fires, as long as you have a policy that covers them. Comprehensive coverage covers your vehicle for things that are outside your control like theft, vandalism, or electrical fires.
It sounds like your friend had a really bad week. Electrical fires happen, and that’s why it’s important to have
full coverage
on your vehicle. That way, you’ll be covered even for unforeseen circumstances or surprise situations like an electrical fire. Basic coverage
, (also called collision coverage) covers you for damage done from a collision, whether that’s with a vehicle or another object. Comprehensive insurance coverage covers other things, including collisions with animals, natural disasters, or broken glass.It might be that your friend only had collision coverage on his vehicle, so the electrical fire wasn’t covered by his insurance company. To avoid this, talk to your insurance adjuster about comprehensive coverage. Be sure to ask about everything your company’s comprehensive coverage includes, since coverage may differ between companies or incur extra charges.
If you’re concerned about your insurance coverage, make sure your coverage covers you totally.
Jerry
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