Car accidents and vehicle malfunctions can occur at any time. They can be severe, leaving the owner with a significant repair bill. Electrical fires are particularly severe forms of malfunctions, and they can be extremely expensive to fix.
Every electrical fire situation warrants a different solution. Your auto insurance policy may offer some financial help. Whether it does depends on what happened. Contact your Busha-Okeson Insurance agent to learn more about your options in this area. Here are a few key things to keep in mind.
What Type Of Insurance Do You Have?
Not all car insurance is the same. The type of insurance you have plays a role in the coverage and types of incidents and accidents covered. Thus, if an electrical fire ravages your vehicle, coverage might vary depending on context.
Here is a look at some causes of the electrical fire and what coverage is necessary to file a claim in each instance.
You were in a car accident causing an electric fire.
In this situation, you may have coverage if you have collision insurance. If the other driver caused the accident, that driver's liability insurance will cover the incident. If you caused the accident, you only have coverage for the loss if you have collision insurance.
A fire started in your car spontaneously.
Let's say tour parked car catches on fire due to electrical failure. If that failure was the result of poor upkeep on the vehicle, your insurance likely won't provide coverage for the loss. If it is the result of a mechanical failure, the manufacturer may have some responsibility.
A component in your vehicle caused it to catch on fire.
If a piece of electronic equipment — such as a GPS unit or a computer — malfunctions, it could cause your vehicle to go up in flames. In some cases, your comprehensive insurance may help cover the cost. Your property insurance might assist. if the item has coverage within your policy. Keep in mind that any incident resulting from wear and tear or poor maintenance has no coverage under most insurance plans.
Car insurance can help protect you from some electrical fires. Yet, not all will have coverage.
To find out if your vehicle has coverage, contact your Busha-Okeson Insurance agent. Discuss your specific needs and what occurred to cause the damage. Your agent might require a full inspection of the vehicle to determine the cause.
Also consider updating your policy to ensure you have ample protections. Contact one of our agents today for more information.