Will Comprehensive Car Insurance Cover Fire Damage to Your Home if Your Car Burns in the Car Port?
Comprehensive car insurance is a type of auto insurance which pays for damages suffered by your car as a result of vandalism, theft and other acts of nature. Although this type of insurance is expensive and is not required by law in every state, a huge number of people find it wise to purchase comprehensive coverage primarily because of the financial protection it provides against legal claims. Comprehensive auto insurance covers theft claims, vandalism claims, damages caused by acts of God and natural disasters which includes storms, hurricanes and fire. It covers for repair or restitution of a car damaged or loss due to a fire incident. But will comprehensive car insurance cover fire damage to your home if your car burns in the car port?
Comprehensive car insurance will only cover the vehicle insured and damages which other people suffer. In case your car is burned in the carport of your house, the insurance company will only pay for the damages or loss of your insured vehicle. The insurer will not cover any damages to your home as a result of the fire because the comprehensive insurance coverage is only limited to the insured vehicle and damages to other people’s car or properties. The insurance company will pay for the necessary expenses needed to restore any part of the vehicle damaged by the fire or the entire amount of the car if it is totally irreparable. Comprehensive coverage also does not pay for other items inside the car which are damaged as a result of the fire. The coverage of this insurance type is exclusively applicable to the insured vehicle damaged by fire and not to items inside the car or parts of the house burned down.
However, if your car is burned in your neighbor’s house which resulted to damages on the carport and other properties, then probably, the insurer will not just pay for your vehicle but also pay for the cost of damages your neighbor suffered. Comprehensive auto insurance as mentioned not just covers the damages of the insured vehicle, but also of other people’s car or properties as a result of a natural disaster like fire. Nevertheless, this is subject to certain limitations stipulated in the policy contract. And unlike collision insurance which necessitates the burden of proof in determining who’s at fault, comprehensive insurance pays for damages inflicted on your car without requiring you to prove that you did not cause the accident or the disaster.
The law requires every state of America to impose regulations which require a driver to purchase liability auto insurance upon owning and driving his or her vehicle. The insurance protection is designed for the purpose of financially safeguarding other people from damages caused by the recklessness of the driver or breakdown of the vehicle. However, it is important to note that state laws don’t require a driver to purchase a car insurance to protect him against property damages, except the insured vehicle in comprehensive insurance, which he may inflict upon himself. Insurance protection for automobiles is more focused on safeguarding the financial interest of the aggrieved party.