Is Insurance supposed to cover Engine Fires?

I would think if you had a engine fire in your Ferrari due to overheated cats or whatever the reason...and it burned up...logic would tell me that it WOULD NOT be covered by insurance because it is a mechanical breakdown...but I always see people after having an engine fire talk about their insurance payouts. Anyone care to shed some light on this. It's a lot more comforting to know that if my Ferrari did burn up (I can't even stomach the thought of that site!) that insurance would cover that.

 

My cat set the car on fire and the insurance company covered it without question. fire is fire and you're covered for fire.

 

I know someone who had the same experience with his 355 and he got paid also.

 

I've herd of people wishing they hadn't put it out so early so that insurance would total the car.

 

let it burn!!!!

 

probably covered under comprehensive

 

I had a complete loss of a vehicle due to fire. (An overheated fan on the power steering cooler caused the blaze) It was a situation hard to forget. It took the fire department 45 minutes to get the fire under control. The comprehensive insurance covered the loss.

As with any claim, the time to pay attention to your insurance is before anything happens. Make sure your replacement coverage will cover actual replacement cost, etc. The insurance guys here can give better advice than I can but always ask questions ahead of time to be certain that you understand your coverage and deductibles.

 

Janet,
You seem to have bad karma with cars!! Have you considered a bike??? LOL
Marty

 

whats up with your cat, is he pissed your paying to much attention to your car? and how did he learn how to use a lighter ? why didnt the insurance company question him for arson? .. i can use a cat like that.
yknow what they say , a good pus%y is hard to find.

 

Cat's can't use lighters. They don't even have opposable thumbs!!

 

yes, but how long does it take to finally pry the check out of the insurance company's tight clinched fingers?

 

As stated above, typically an engine fire would be covered under the comprehensive (AKA other than collision) coverage on an auto insurance policy. Contact your agent or company and have them explain your coverages to you if you are unsure about anything.

 

Cats are evil. they did question him and were sure he was involved, but were never able to determine how the fire was set and therefore couldn't make the arson charge stick.

 

About 3 or 4 weeks as I recall.

 

I have an "agreed value" policy on my 308. Comforting but would be heart breaking if damage was severe enough to total it.

 

An engine fire is covered just the same as a cigarette catching fire to the interior or a kitchen fire in your home. The policy covers loss due to fire, among other perils. The downside is that if you have a series of fires, your comprehensive insurance will become very expensive or, more likely, unobtainable.

 

Naaaaaaaaaaah .... I figured that as long as I am still around to discuss the trials of car ownership then my car karma must be great. Its that "glass half full" sort of thing

 

If you pissed off Kitty Fishsticks enough to torch your car, wouldn't that be arson?

 

The damage caused by the fire is covered by comprehensive, but not the defective part that caused the fire.