It is generally the case that the damage insurance claims since including fire , it should be on the spontaneous combustion caused by claims for losses caused by fire , but the damage insurance claims for the exclusion to include spontaneous and unexplained fire losses. Back in 2003 together Changde Municipal Court judgment of automotive ignition case , it has been through formal logic approach expounded "Fire " and " spontaneous " is the relationship between species . Spontaneous combustion is a special case of a fire , for their own reasons by the vehicle and its cargo fires caused . This is also in line with the main car damage insurance and spontaneous combustion risk in particular additional risk in nature.
According Hengding wheel hub bearing learned that can be said is a specific case of spontaneous combustion fire accident , two are of particular general relationship . Do not get exactly which insurance claims, depending on the cause of fire finds that as long as the fire is not completely can get through damage insurance claims . Therefore, the motor vehicle accident claim when a fire , the fire department determined the cause of fire is crucial , often become spontaneous combustion risk damage insurance and select the appropriate prerequisite.
According to CIRC promulgated the "motor vehicle insurance policy ," spontaneous combustion risk stands spontaneous loss of vehicle insurance, is a damage insurance in an additional insurance . Only the owners purchased the car damage , before you can buy spontaneous combustion risk . Therefore, spontaneous accident , the owner only additional insurance spontaneous combustion risk in the case , the insurance company will be related claims . "Motor vehicle insurance clause " of the " spontaneous " made the definition: "refers to the insured vehicle due to the vehicle electrical appliances , wiring, fuel supply system , cargo and other problems caused by the fire itself ." Now the insurance companies have the appropriate auto insurance terms regulations or instructions. Caustic danger of spontaneous combustion is one of exclusion , just can not get spontaneous loss of insured damage insurance claims .
If spontaneous combustion caused damage to a third party vehicle , the third party may obtain compensation in two ways : first, through spontaneous combustion vehicle third party liability insurance to obtain damages, because the third-party motor vehicle liability insurance also includes traffic accidents caused due to non- infringement by a third person ; Second, spontaneous combustion vehicle is not insured third party liability insurance , and a third person insured vehicle damage insurance , the loss of a third person in the vehicle side by side in addition to the underlying cause of the fire determined after exclusion to obtain compensation insurance companies . In practice, insurance companies tend to adopt litigation approach identified by the court in the relevant legal facts, issue a judgment or mediation confirm their claims responsibility for payment.
According Hengding wheel hub bearing learned that spontaneous combustion risk is the loss of motor vehicle insurance, an additional insurance , the owner only if the insured motor vehicle damage insurance , based on the spontaneous combustion risk insured vehicles only . Most car owners may think that as long as the insured for all risks, regardless of the vehicle nothing happens , can get some compensation. In actual fact, if there is no separate additional spontaneous loss of the insured vehicle insurance ( commonly known as spontaneous combustion risk ) , the insurance company can " spontaneous case Disclaimer " refused compensation. Spontaneous combustion risk insurance fee is usually the actual value of the insured vehicle consultation , the premium is not high. Car spontaneous combustion , the insurance company will be based on the extent of damage to the vehicle corresponding compensation .
