{"id":44279,"date":"2024-03-29T11:27:18","date_gmt":"2024-03-29T15:27:18","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?p=44279"},"modified":"2025-02-04T11:33:49","modified_gmt":"2025-02-04T16:33:49","slug":"does-car-insurance-cover-damage-from-fire","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/does-car-insurance-cover-damage-from-fire","title":{"rendered":"Does car insurance cover damage from fire?"},"content":{"rendered":"\n<p>Fire is extremely destructive and can quickly destroy your car. You should take every precaution to prevent a fire, but does car insurance cover fire damage? Here\u2019s everything you need to know about what coverage you need, how to identify potential fire risks and how to prevent a car fire in the first place.<\/p>\n\n\n\n<a id=\"back-to-top\"><\/a>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>Table of Contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#coverage\">Coverage for fire damage<\/a><\/span><\/li ><\/ul><ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#full\">Full coverage insurance and fire damage<\/a><\/span><\/li ><\/ul><ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#causes\">Causes of fire damage<\/a><\/span><\/li ><\/ul><ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#claim\">Filing a claim for fire damage<\/a><\/span><\/li ><\/ul><ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#safety\">Preventative measures and safety tips<\/a><\/span><\/li ><\/ul><ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#conclusion\">Conclusion<\/a><\/span><\/li ><\/ul><\/div>\n\n\n\n<a id=\"coverage\"><\/a><h2 style=\"margin-bottom:0px;\">Coverage for fire damage<\/h2>\n\n\n\n<p>A typical car insurance policy may cover your medical expenses, bodily injury liability and property damage liability. Coverage for damage to your own car, like in the case of fire, is not typically required. The specifics will vary based on the exact terms of your policy contract.<\/p>\n\n\n\n<p>Liability coverage protects you if you\u2019re held responsible for injuring someone or damaging their property in a car accident. It doesn\u2019t pay for damage to your own vehicle, however. A liability-only policy means that in the event of damage, your insurance policy will not pay to repair your vehicle.<\/p>\n\n\n\n<p>Your car insurance will cover most fire damage if you carry comprehensive coverage. This is an optional insurance coverage that pays for damage to your car not related to a collision.<\/p>\n\n\n\n<p>If the fire is caused by a collision with another vehicle or object, your collision coverage may cover fire damage to your car.<\/p>\n\n\n\n<div style=\"border:1px solid #0078D6; margin-bottom:15px; margin-top:15px;\"><table style=\"margin-bottom:0px;\"><tr><td style=\" \n background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 15px 10px 15px; text-align: center; width:50%;\"><strong>Comprehensive coverage may cover:<\/strong><\/td><td style=\" \n background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 15px 10px 15px; text-align: center; width:50%;\"><strong>Collision coverage may cover:<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Natural disasters and storms\n<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Hitting another vehicle<\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Fires\n<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Hit by another vehicle<\/td><\/tr>\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Damage caused by animals\n<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Hitting a stationary object<\/td><\/tr><\/table><\/div>\n\n\n\n<p>Having both comprehensive and collision coverage is known as having \u201cfull coverage\u201d on a vehicle. Full coverage is not typically required for auto insurance policies. If you owe money on your car, you may be required to carry full coverage as a term of loan or lease.<\/p>\n\n\n\n<div style=\"text-align:center; padding:15px; border:1px solid #0078D6; margin:0px 0px 15px;\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/03\/auto-bo.svg\" style=\"width:70px; text-align:center;\"><br \/><strong>Full Coverage<\/strong><br \/>Collision and comprehensive coverage are not typically required coverage. Check with your insurance company or agent to see if you have full coverage on your vehicle.<\/div>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"full\"><\/a> <h2 style=\"margin-bottom:0px;\">Full coverage insurance and fire damage<\/h2>\n\n\n\n<p>Full coverage on your car typically only helps pay for the car itself. Personal belongings inside your car aren\u2019t typically covered by your car insurance policy unless stated otherwise. Plymouth Rock offers mobile device replacement, laptop replacement and personal property coverage as additional coverage for <a href=\"https:\/\/www.plymouthrock.com\/insurance\/auto\/coverage-policy-options\/packages\">Assurance Plus customers<\/a>. Otherwise, your homeowners or renters insurance policy may cover personal property.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"causes\"><\/a><h2 style=\"margin-bottom:0px;\">Causes of car fires<\/h2>\n\n\n\n<p>To help prevent a car fire in the first place, it\u2019s important to know about potential fire hazards to your car.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Fuel Leak<\/strong><\/h3>\n\n\n\n<p>A damaged fuel system may spray flammable gasoline into your engine bay where it should not be. If you smell gasoline coming from your engine, do not operate the vehicle and have it towed to a trusted mechanic.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Overheating<\/strong><\/h3>\n\n\n\n<p>An overheating engine can cause a fire. Low oil and coolant can quickly cause your car to overheat. Check your car\u2019s oil and coolant levels regularly. If you find that your oil and coolant levels keep falling, it may mean you have a leak or other mechanical issue. Keeping up with regular maintenance will help you stay on top of any potential issues your car may have.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Faulty Electronics<\/strong><\/h3>\n\n\n\n<p>Damaged or faulty electronics can also cause a fire. Exposed wiring can short circuit and create sparks, among other problems for your car. If you smell burning plastic or rubber, it may mean there are damaged wires. Any fuses that consistently blow may be also be a sign of damaged wiring.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>House Fire<\/strong><\/h3>\n\n\n\n<p>A house fire can quickly spread and damage vehicles parked in the garage or in the driveway. Your homeowners or renters insurance will not typically cover damage to your car, even if the fire started in your home.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Arson<\/strong><\/h3>\n\n\n\n<p>Arson is the criminal and intentional act of setting fire to property. This is a serious crime, and your insurance will cover arson damage if you are a victim of it. It will not, however, cover you if you started the fire on purpose.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"claim\"><\/a> <h2 style=\"margin-bottom:0px;\">Filing a claim for fire damage<\/h2>\n\n\n\n<p>Before you file your claim, make sure you are safe. Do not approach a burning vehicle under any circumstance. Call 911 and follow their instructions.<\/p>\n\n\n\n<p>When you wish to file a claim, don\u2019t delay. Call your insurance company as soon as possible and report the damage.<\/p>\n\n\n\n<p>We know that filing any kind of car insurance claim can be stressful. Our unique claims services will simplify the process, getting you back on the road in no time.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>How to File a Claim<\/strong><\/h3>\n\n\n\n<ol><li><strong>Take Pictures<\/strong><br \/>Document the damage as soon as possible. Provide pictures along with any fire or police report to your adjuster. This will help them with the investigation of your claim.<\/li><li><strong>File Your Claim<\/strong><br \/>Please have your policy number ready. You can file a <a href=\"https:\/\/efnol.plymouthrock.com\/#\/login\">claim online<\/a> or by <a href=\"https:\/\/www.plymouthrock.com\/contact\">contacting us<\/a> or your agent directly.<\/li><li><strong>Assignment and Tracking of the Claim<\/strong><br \/>After you report your claim, you\u2019ll receive a claim number to help track its progress. We\u2019ll also assign you a friendly representative to answer any questions you may have.<\/li><li><strong>Damage Evaluation<\/strong><br \/>If your vehicle has damage and the applicable coverage applies, we offer these convenient options to get you back on the road as soon as possible:<ul><li><a href=\"https:\/\/www.plymouthrock.com\/claims\/carpics-photo-appraisals\">CarPics<sup>SM<\/sup> Photo Appraisals<\/a>:&nbsp;Eliminate the need to schedule a claims inspection and receive your estimate within hours. You may even get paid that same day.*<\/li><li><a href=\"https:\/\/www.plymouthrock.com\/claims\/services\/crashbusters\">Crashbusters<sup>\u00ae<\/sup> Mobile Claim Service<\/a>:&nbsp;Have a representative meet you to appraise the damage at a time and place that\u2019s convenient for you, often issuing you a check on the spot.<\/li><li><a href=\"https:\/\/www.plymouthrock.com\/claims\/services\/door-to-door-valet-claim-service\">Door to Door Valet Claim Service<sup>\u00ae<\/sup><\/a>:&nbsp;Let us pick up your car and handle the repair process from start to finish. If you have rental coverage, we\u2019ll even coordinate a rental car.<\/li><\/ul><\/li><li><strong>Receive Your Claim Settlement<\/strong><br \/>Based on your situation, Plymouth Rock may pay your claim to the repair shop or we may reimburse you directly. Your claim payment will be based on the terms and coverage in your car insurance policy.<\/li><\/ol>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"safety\"><\/a><h2 style=\"margin-bottom:0px;\">Preventative measures and safety tips<\/h2>\n\n\n\n<p>The best way to prevent a car fire is to stay on top of regular maintenance. Have your oil changed at the manufacturer recommended interval. Make sure your car\u2019s cooling system is in good shape by regularly inspecting your radiator and fan and keeping your coolant topped up.<\/p>\n\n\n\n<p>If you smell anything unusual, like fresh gas or burning metal, plastic or rubber, have your car inspected by a trusted mechanic.<\/p>\n\n\n\n<p>Finally, keep up to date on any factory safety recalls for your vehicle and have them addressed as soon as possible.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"conclusion\"><\/a> <h2 style=\"margin-bottom:0px;\">Conclusion: Does insurance cover fire damage?<\/h2>\n\n\n\n<p>A vehicle fire can be unexpected and destructive. That\u2019s why it\u2019s so important to protect yourself and your vehicle with a combination of preventative maintenance and the right insurance coverage. Rest assured knowing that you\u2019ll get great coverage and even better service when you get comprehensive car insurance from Plymouth Rock.<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"36610\" class=\"elementor elementor-36610\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ee649ab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee649ab\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c502b6\" data-id=\"4c502b6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21697f5 post-margins post-link-class elementor-widget elementor-widget-html\" data-id=\"21697f5\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p style=\"margin-bottom: 0px;\"><strong>Now let\u2019s talk about you<\/strong><br \/>\nDo you have the right coverage for your vehicle? We\u2019d love to chat with you about it. Call us at <a href=\"tel:1-800-516-9242\">800-516-9242<\/a> or speak to a <a href=\"https:\/\/www.plymouthrock.com\/find-an-agent\">local agent<\/a>. \n<br \/><br \/>\nIf you\u2019d rather not talk, you can <a href=\"https:\/\/buy.plymouthrock.com\/esales\/entry\/start?PLF_Code=HIPT&amp;iRefid=Website&amp;iRefclickid=Copy_Link\">get a quote<\/a> quickly and easily online. Just enter your ZIP code to get started and see how much you could save!\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<p style=\"font-size:10px; margin-top:15px;\"><sup>*<\/sup>Certain restrictions apply.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn how car insurance can help cover fire damage to your vehicle and important prevention safety tips.<\/p>\n","protected":false},"author":6,"featured_media":44276,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[71],"state":[79,83,80,81,82,84],"class_list":["post-44279","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-auto","state-ct","state-ma","state-nh","state-nj","state-ny","state-pa"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does Car Insurance Cover Fire Damage?<\/title>\n<meta name=\"description\" content=\"Learn how car insurance can help cover fire damage to your vehicle and important safety tips to prevent a car fire.\" \/>\n<meta name=\"robots\" content=\"index, follow, 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