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An insurance claim question: Car beside catches fire


Columbian78
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This did not happen to me, I am just thinking and wonder.

 

Question 1: If the car that is parked besides yours catches fire and it burnt your car as well, would you be able to claim from that car's insurance? Or do you have to claim from your own?

 

Question 2: In the above case, or the case where its your own car that started fire, do investigator checked if you have modded your car (legal mods like after market car stereo, installed dvr or just left your items like ipad inside car). And it happens that invesigation determines it was those non-stock items that caused the fire, would insurance pay?

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Hi,

 

Ans 1: If your car causes fire and the car park beside you catches it, it unable to claim you. Insurance classifed as "Unfortunate Event" to third party unless on police investigation result such as its arson or mischief.

 

Ans 2: Under own damage claim, you able to reinstate your car to original factory condition. Other than that not able to claim. Insurance will apply "loss of contractual" basis to you. If consider as other than not factory install is not covered under own damage claim even you bought the 2nd car will full mods.

Investigator will only fully concentrate on your engine mods than your interior. Recently tons of car modify the engine does not meet with the compliance standard and catches fire partly due to overheat, wiring short circuit, tuning, enhance turbo or any leakage of pertol. If yours is stock, not a problem. Most importantly, is the maintanance of your car is compulsory.

 

 

Hopes this make you understand.

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Hi,

 

Ans 1: If your car causes fire and the car park beside you catches it, it unable to claim you. Insurance classifed as "Unfortunate Event" to third party unless on police investigation result such as its arson or mischief.

 

Ans 2: Under own damage claim, you able to reinstate your car to original factory condition. Other than that not able to claim. Insurance will apply "loss of contractual" basis to you. If consider as other than not factory install is not covered under own damage claim even you bought the 2nd car will full mods.

Investigator will only fully concentrate on your engine mods than your interior. Recently tons of car modify the engine does not meet with the compliance standard and catches fire partly due to overheat, wiring short circuit, tuning, enhance turbo or any leakage of pertol. If yours is stock, not a problem. Most importantly, is the maintanance of your car is compulsory.

 

 

Hopes this make you understand.

 

Thanks for your answers, you do seem quite knowledgeable, are you working in related line?

 

So, it is interesting to take note that if our car catches fire from another car that started the fire, we have to claim from our own insurance. Basically accept unluckiness.

 

My car is stock excluding the wheels. I do have 2 video cameras installed that are connected to the 12V socket. I did not touched the original wiring at all. All regular maintenance is done at AD with records. So if the Lithium polymer batt in my dvr catches fire and burn down the whole car, insurance will pay?

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I'm a loss adjustor and reconstruction engineer. I investigate lots of special case on fire. Some i encounter cause by the battery indicator meter which was replica and exploded by the capacitor causes fire. Some were ignition plug booster and even earth wiring. The earth wiring espically where the nut was not tighten properly, it drop off and contact with body chassis and spark off. This kind of funny funny thing to my advise not to install and do not believe those bull s--t like better fuel efficiency, better torque or even horse power increase. These thing prone to have high risk of fire hazard.

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This did not happen to me, I am just thinking and wonder.

 

Question 1: If the car that is parked besides yours catches fire and it burnt your car as well, would you be able to claim from that car's insurance? Or do you have to claim from your own?

 

Question 2: In the above case, or the case where its your own car that started fire, do investigator checked if you have modded your car (legal mods like after market car stereo, installed dvr or just left your items like ipad inside car). And it happens that invesigation determines it was those non-stock items that caused the fire, would insurance pay?

 

 

Q1: It depends on the policy wordings of the car insurance you are claiming against. For a layman, it is advisable to claim against own insurance first if yours is a Comprehensive or TPFT cover) and let both insurers sort out among themselves. If it is because you do not want NCD to be affected, then you have to be prepared for some delay in them responding to your claim as a third party.

 

Q2: If it is confirmed that the non-stock items cause the fire, then no claim is payable unless you have already declared the non-stock items to your insurer and your insurer has prior to the incident accepted the non-stock items under the policy (with or without additional premium).

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