Does Car Insurance Cover Engine Fires?

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  • Comprehensive insurance
  • Engine fires
  • Arson fires
  • Garage fires
  • Car accident fires
  • Total loss
  • Best car insurance
Comprehensive insurance policies will cover car fires under most circumstances, including engine fires. If you want to be certain that your car is covered for car fires, you may want to consider investing in collision car insurance, as well.
Car insurance comparison shopping app Jerry has compiled everything you need to know about whether car insurance covers fire damage. What you’re covered for really comes down to your policy coverage. If you need to upgrade your coverage to be sure it covers engine fires, let Jerry help!
Jerry is a personal insurance broker that lives in your pocket. But don’t worry about buying tiny office furniture—Jerry is an app.
Once you download Jerry, just answer a handful of questions that will take you roughly 45 seconds and you’ll immediately get car insurance quotes for coverage similar to your current plan. No long forms, no calling around, no hard work—just savings.
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What is comprehensive car insurance?

Comprehensive car insurance covers damage to your car that isn’t the direct result of a collision.
A comprehensive policy will cover you up to your policy limit for damage that results from things like theft, vandalism, extreme weather events, and fires.
You don’t have a legal obligation to purchase comprehensive insurance, but if you’re leasing or financing your vehicle, your loan contract may require it. And since it’s optional coverage, you’ll have to purchase it in addition to a basic liability insurance plan.
If you’re shopping for car insurance, Jerry can provide you with competitive quotes in under a minute. Once you choose your coverage, Jerry takes care of all the paperwork and even cancels your old policy on your behalf. Oh, and it’s free!
Key Takeaway A comprehensive policy will cover you up to your policy limit for damage that results from things like theft, vandalism, extreme weather events, and fires.

Engine fires

Under normal circumstances, mechanical failure isn’t covered by car insurance. But if your car catches on fire because of mechanical failure, comprehensive insurance will cover you up to your policy limit.
If you don’t have comprehensive insurance on your policy, you’ll be responsible for any damage out of pocket.

Arson fires

If your car was set on fire in an act of arson, comprehensive insurance will likely cover it—as long as you take the proper steps beforehand.
The idea of setting a car on fire intentionally might seem far-fetched, but it does happen. Since arson is considered a form of vandalism, you will have to file a police report to access your car insurance coverage.

Garage fires

Homeowner’s insurance won’t cover damage to your car from a garage fire, but comprehensive car insurance might.
Garage fires can cause a lot of collateral damage—and your home and your car are especially at risk. Home insurance policies don’t cover automobiles, so it’s a good idea to invest in a comprehensive insurance policy if you have a garage.

Fires resulting from car accidents

If your car catches on fire after an accident, either comprehensive or collision car insurance may cover the damage.
The coverage that will apply in this situation depends on the circumstances surrounding the fire and the details of your insurance policy.
The best way to ensure that you’re always insured for fires is to upgrade to a full-coverage policy that includes both comprehensive and collision insurance. If you’d rather leave the hard work of gathering quotes to someone else, use Jerry. The app can collect quotes from up to 45 top insurance companies in seconds!
This Jerry user was thrilled with their experience, giving the app five stars:
“I can’t believe I found great car insurance coverage in my price range. It was quick, easy, painless, and now I’m going to be saving almost 150 dollars a month. Not only was I paying way too much for insurance, but I didn’t have the coverage options I have now. Jerry is the best!”— Satisfied Jerry User

What if my car is a total loss after a fire?

It’s not uncommon for insurance companies to decide that a car is a total loss after catching fire. Fires can cause a lot of damage very quickly, and repairs often aren’t worth it. And car fires are stressful enough without having to worry about buying a new car out of pocket.
Comprehensive insurance will cover the damage costs under most scenarios and give you one less thing to worry about. If your policy covers you for the fire, your insurance company will pay you for the actual cash value of your car, minus the deductible.
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How to find the best car insurance coverage for fires

If you want to ensure that you’re covered for car fires, upgrading to a comprehensive insurance policy is a good start. You might also want to consider investing in collision coverage as well.
And there’s no better place to start looking than with Jerry. Jerry will generate competitive quotes from top providers in less than a minute and gathers your information from your past insurer, so you’re not responsible for any long forms or phone calls. Basically, you get all of the savings and coverage, with none of the hassle.
The average Jerry user saves $879 a year on car insurance!
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