In case of spontaneous combustion, leave the vehicle immediately and call 1 19 for alarm. Insurance companies generally need a fire alarm certificate to settle claims. After the car spontaneously ignites, the insured can call the insurance company first and report the license plate, the time, place and reason of the accident to the staff. After the technicians of the insurance company go to the scene to inspect the car, if it is determined that it is spontaneous combustion, they can claim compensation.
However, industry experts specially remind policyholders that insurance companies will not fully compensate all insured cars for spontaneous combustion. According to the actual situation, insurance companies usually have some special provisions on claims settlement. For example, the total loss of the insured's vehicle can be settled within the insured amount, and if it is only part of the loss, the compensation will be calculated according to the actual repair cost within the insured amount.
The rescue expenses are also calculated according to the actual expenses within the insured amount. In addition, the insured applies for claims, and each payment has a deductible of 20%. Although there is a fire compensation clause in the body insurance, it refers to the external fire source. Spontaneous combustion is an exclusive responsibility and can only be purchased separately.
Extended data:
Compensatory therapy
(1) Calculate the compensation according to the actual loss of the insured automobile within the insured amount specified in the insurance policy;
(2) This insurance will implement an absolute deductible of 20% for each compensation.
(three) when the insured claims from the insurer, it shall provide the fire cause certificate issued by the public security fire department.
(4) In case of partial loss, the compensation shall be calculated according to the actual loss of the insured vehicle within the insured amount;
(5) In case of total loss, within the insured amount, the compensation shall be calculated according to the actual value of the insured vehicle at the time of the accident;
(six) the rescue expenses shall be compensated according to the actual expenses within the insured amount;
(7) This additional risk shall be compensated at an absolute rate of 20% each time.
Baidu encyclopedia-spontaneous combustion insurance