Accidents occur every day to vehicle owners. They can be severe, leaving the owner with a significant repair bill. Electrical fires or damage caused by electrical problems can be this severe.
Every electrical fire situation warrants a different solution. Your auto insurance may offer some financial help. Whether it does depends on what happened. Contact your car insurance agent to learn more about your options in this area. Here are a few key things to keep in mind.
What Type of Insurance Do You Have?
Not all car insurance is the same. The type of insurance you have plays a role in the coverage and types of incidents and accidents covered. Here is a look at some examples of what may happen and what coverage is necessary to file a claim.
You were in a car accident causing an electric fire.
In this situation, you may have coverage if you have collision insurance. If the other driver caused the accident, that driver’s liability insurance will cover the incident. If you caused the accident, you only have coverage for the loss if you have collision insurance.
A fire starts in your car spontaneously.
Your parked car catches on fire. It is the result of an electrical failure. If that failure was the result of poor upkeep on the vehicle, your insurance likely won’t provide coverage for the loss. If it is the result of a mechanical failure, the manufacturer may have some responsibility.
A component in your vehicle causes it to catch on fire.
This may be a piece of electronic equipment such as a GPS unit or a computer. In some cases, your comprehensive insurance may help cover the cost. Your property insurance may help if the item has coverage within your policy. Keep in mind that any incident resulting from wear and tear or poor maintenance has no coverage under most insurance plans.
Car insurance can help protect you in some electrical fires. Not all will have coverage. To find out if your vehicle has coverage, call your auto insurance agent. Discuss your specific needs and what occurred to cause the damage. The agency is likely to require a full inspection done of the vehicle. This will further determine the cause. The more information available, the better the decision will be from the agency. Take into consideration updating your policy to ensure you have ample protections. Contact one of our agents today for more information on your Boise auto insurance coverage
FAQ’s About Electric Fires in Vehicles
What are the common causes of electric fires in vehicles?
Electric fires in vehicles can be caused by short circuits, faulty wiring, or overheating of electrical components.
How can I prevent electric fires in my vehicle?
To prevent electric fires in vehicles, it’s important to regularly inspect and maintain the electrical system, avoid overloading circuits, and promptly address any electrical issues.
What should I do if I suspect an electric fire in my vehicle?
If you suspect an electric fire in your vehicle, pull over to a safe location, turn off the ignition, and evacuate the vehicle immediately. Then, call emergency services.
Are electric fires in vehicles covered by insurance?
Electric fires in vehicles may be covered by insurance, depending on the type of coverage you have. It’s important to review your policy and consult with your insurance provider.
Can electric fires in vehicles be repaired?
Electric fires in vehicles can be repaired by qualified technicians who can assess the damage, replace any faulty components, and ensure the electrical system is safe.
What are the warning signs of potential electric fires in vehicles?
Warning signs of potential electric fires in vehicles include burning odors, smoke, sparks, or unusual electrical malfunctions.
Are electric vehicles more prone to electric fires?
While electric vehicles have different electrical systems, they undergo rigorous safety testing and are not necessarily more prone to electric fires than traditional vehicles.
Can modifications to a vehicle’s electrical system increase the risk of electric fires?
Yes, unauthorized modifications or aftermarket electrical installations can increase the risk of electric fires in vehicles and should be done by certified professionals.
How often should I have my vehicle’s electrical system inspected?
It’s recommended to have your vehicle’s electrical system inspected regularly as part of routine maintenance, or if you notice any unusual electrical issues.
What safety measures can I take to protect against electric fires in my vehicle?
Safety measures to protect against electric fires in vehicles include using properly rated fuses, avoiding DIY electrical work, and following manufacturer guidelines for electrical upgrades.
What is the risk of lithium-ion battery fires in electric cars?
Lithium-ion battery fires in electric cars do pose a risk, but they are relatively rare. The U.S. Fire Administration recommends that EV owners use certified equipment when charging their vehicles and have a qualified electrician install any necessary charging equipment. Additionally, first responders should be trained on how to safely handle electric vehicle fires.
How many fatalities have been caused by electric vehicle fires?
According to the National Highway Traffic Safety Administration, there have been a total of 19 fatalities in the United States caused by electric vehicle fires from 2011 to 2020. While any loss of life is tragic, it is important to note that this is a relatively small number compared to the number of fatalities caused by gas vehicle fires. It is also worth noting that electric vehicle technology is constantly improving, and safety protocols are being updated to minimize the risk of fires.