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Auto Insurance Claims/fire damage claim


My  car caught fire, was something to do with brakes, its in the garage being repaired.  I phoned my insurance, i have fully comp, they bluntly said no i can't claim as is not a result of an accident.  Is this correct?  I feel this is not explained in insurance document. Insurance is for fire and theft as it says. Has this been mis sold?

Absolutely, it should be covered. While I am in the US and my experience is with the stateside insurance contracts, if you have collision coverage you also have comprehensive. Any damage to your car other than that caused by collision in which you were at the wheel, would be covered here. Ask your agent or the person in claims if you have comprehensive coverage in addition to your collision coverage. Here, one always follows the other.


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Charlie Barone


For questions involving auto damage claims, collision repair, forensics, industry practices, we can help. We specialize in claims for loss of resale value (Diminished Value).


I have 30 years experience in the collision repair and body reconstruction field, both hands-on and from behind the desk. I hold a Master Certification from ASE in the Body and Paint category, as well as their certification in Estimating. I have authored over 120 feature and training articles for the largest trade journal devoted to the collision repair industry, and have given expert testimony in court dozens of times. Licensed physical damage appraiser in Pennsylvania and reciprocal states.

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