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Vehicle Fires: Is Your Car Really Protected?

In the United States, approximately 174,000 vehicles catch fire each year. This equals more than 19 car fires per hour, accounting for one in every eight emergency calls.

Although the number of vehicles affected has halved since the 1980s, it remains a concern for many drivers, as these incidents cause around $1.1 billion in property damage annually.

The main causes of these fires are typically engine failures, electrical issues, fuel leaks, or the improper handling of flammable materials stored in the vehicle.

If your vehicle catches fire and you have comprehensive coverage, your insurer will likely cover the repairs or offer compensation for the loss of the vehicle.

However, if you only have the minimum required insurance in Florida (PIP and PDL), you will need to cover the damage to your vehicle unless the fire resulted from an accident caused by another car or a third party.

Remember that when choosing comprehensive coverage, you must select a deductible, which is the amount you pay each time you file a claim for covered damage.

For example, if the vehicle damage amounts to $5,000 and your deductible is $300, you will receive $4,700 after paying the $300 deductible.

If you have questions about the protections your vehicle should have to be well insured, or if you want more affordable car insurance, consult an agent at 51³Ô¹ÏºÚÁÏÍø.