Everything you should know about car insurance for fire

Some situations can make anyone panic, and a fire is one of them. Find out in this article how car fire insurance works and what to do if your car catches fire.

Dealing with stressful situations can be extremely tiring and dangerous if the actions taken are not the correct ones. If you have car insurance for fire, it is important that you know exactly how to act in these situations.

The first thing that needs to be clear is that safety comes first. In these cases, it is essential to know what to do to avoid putting your life and those of those around you at risk. Follow this article and see how to proceed in fire situations, both in terms of your safety and insurance.

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How does car insurance coverage for fire work?

Auto insurance coverage for fire can be activated whenever the car suffers an accident involving fire. Be it a fire caused by external factors such as lightning, or a mechanical problem that generates a fire or even an accidental explosion.

Like other coverages, car fire insurance guarantees repairs to the vehicle in cases of damage with repair costs lower than 75% of the car's value, according to the FIPE table. If this percentage is equal to or greater than 75%, the vehicle is considered a total loss, and the insured receives full compensation.

What to do in the event of a vehicle fire?

If you are driving and your car starts to catch fire, the first thing to do is stop the vehicle, get out of it and take shelter in a safe place. Once this is done, request a tow truck and then contact the insurance company to notify them of the accident.

Take as many photos as possible, and after the car has been towed, go to the nearest police station and file a police report. With the BO in hand, send the vehicle to one of the workshops accredited by your insurance company.

Once this analysis is completed, it will be sent to the insurance company, and can then be approved or not by the company. It is at this point that, once the repairs are approved, the workshop must begin them as soon as possible.

Details about car insurance for fire

There are two types of coverage, simple and comprehensive, which covers all possible situations. Furthermore, this is a coverage that can be sold separately.

It is also interesting to know that there is no deductible for fire insurance. Furthermore, you need to carefully study the coverage conditions of your insurance policy. Some companies do not cover certain causes of this accident.

This is coverage that can be very useful, although this type of accident is not so common. That's why knowing what your policy covers and being able to count on it is so advantageous. If you are thinking about taking out car insurance for fire, know that it can be an excellent deal.