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Originally Posted by David N.
Does insurance cover vehicle fires normally? I just wonder where does insurance end and mechanical breakdown begin? I mean if the engine just dies, that's not an insurance thing and aside from warranty yer screwed. But spontaneously catching fire while you are driving it...hmm.
Anyone know exactly what the ruling is on this sort of thing? What if the engine breaks down and that itself starts a fire?
-David N.
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Your automobile insurer should pay to repair or replace your vehicle under your comprehensive coverage.
Comprehensive coverage pays for physical damage to the vehicle cause by anything except collission. This includes fire, flood, theft, vandalism, falling objects etc. It ecxludes damage resulting wear and tear and mechanical breakdown and a few other things like war and necular contamination. After market parts are usually excluded but your modifications should not not void coverage for the rest of the car in this case.