Fires can happen anywhere, at any moment, despite care and caution. Both a structure and a car can catch fire. When there is a fire, safeguarding the family comes first. People typically consider paying for the fire damage repairs once the fire has been put out. A fire can damage a car in both small and major ways when it comes to autos. The cost of repairs will be substantial in both scenarios.
The rationale is that you’ll pick the top auto repair shops. If you choose a less expensive choice, the repair work could not be of the highest caliber. It will have an impact on the car’s performance and resale value. You can infer from the title of this blog post what PitStopArabia will be talking about. But first, let’s take a quick look at what causes a fire.
TOP CAUSES OF VEHICLE FIRES
A fire can break out for several reasons:
Electrical short-circuiting is one of the most frequent reasons for car fires. Poor maintenance, the use of aftermarket components, and a number of other factors might cause it. A regular electrical audit can assist in preventing this issue.
Fuel System Leaks
Please do not disregard fuel system leaks. They pose a serious risk to both you and other people because fuel is so combustible.
Your car is more likely to experience difficulties or catch fire if you neglect to invest in routine maintenance. So never postpone maintenance.
All vehicles, whether internal combustion, hybrid, or entirely electric, contain batteries. It might catch fire if the battery has an issue.
People may set fire to your car in an effort to terrorize others or spread hate. It is typical of protests.
Your car may occasionally catch fire as a result of the environment. For instance, the structure could burn down, engulfing the car in flames. Wildfires are fairly common in the USA and have a reputation for destroying vehicles.
Other than the ones mentioned above, there are many other reasons why an automobile could catch fire. If you smoke, the ash from your cigarettes could start a fire. There are too many to mention here. Let’s return to the topic at hand instead. There are numerous shampoos and soaps available. Not as smooth as splashing soapy water on the automobile’s floor, you should be aware of the BEST CAR SHAMPOO.
CAR INSURANCE AND FIRE DAMAGE
Comprehensive and third-party auto insurance policies are the two categories. Every policy has a different level of fire damage coverage.
Comprehensive Car Insurance and Fire Damage
You can make a claim for fire damage with your insurance provider if you have comprehensive auto insurance. Almost all complete policies provide coverage for fire damage. If not, you can purchase it as an add-on to your policy. If the damage was caused by your negligence, a car insurance provider in the UAE or elsewhere may deny your claim.
For instance, earlier we mentioned that adding aftermarket parts is one of the reasons of a car fire. Your claim can be denied if a car catches fire as a result of it and the installation was not approved in advance by the insurance. Therefore, it is important to obtain the insurer’s consent before making any changes to the vehicle.
Third-Party Car Insurance and Fire Damage
In third-party insurance, the insurer exclusively covers third-party losses. The policy excludes coverage for any harm to the policyholder’s car. To put it another way, third-party auto insurance does not provide coverage for fire damage. However, there is no reason to worry. For instance, if the other party caused a collision and your automobile caught fire, you can sue them for damages. You can file a claim for damages with the building’s insurer or management if the fire damage was caused by a building fire.
WILL MY INSURANCE RATES GO UP IF I FILE A CLAIM FOR FIRE DAMAGE?
The insurance premium is determined by a number of parameters used by insurance firms. One of the determinants is how many claims a policyholder submits. As a result, filing a claim for fire damage may result in an increase in your insurance premium. The greatest insurance providers in the UAE and around the world do not, however, raise prices for claims that are not your fault. For instance, your premium won’t alter if your car is damaged in a building fire.
HOW TO PREVENT FIRE DAMAGE
There are various ways through which you can protect your car against fire, including:
- Do Not Smoke Inside the Car
- Have a Fire Extinguisher in the Trunk
- Do Not Store Flammables Inside the Car
- Park in a Secure Area
- Avoid Installing Aftermarket Parts
- Do Not Skip Periodic Car Maintenance