Even the most careful drivers occasionally get into accidents—that’s why auto insurance was created. But, your car can be damaged even if you’re not in a crash—which is why there’s comprehensive auto insurance. Comprehensive is an optional coverage, and without it, you might just be left holding the bag financially, according to the Insurance Information Institute (I.I.I.).
Simply put, comprehensive is coverage for events “other than collisions.” And here is one of eight things that you might not realize are covered by your comprehensive auto insurance policy.
Fire, Even When Caused by a Car Defect
Vehicle fires occur every 96 seconds in the United States, according to the National Fire Protection Association, and although non-crash fires are rare, some are caused by electrical problems or a defective fuel system. Indeed, nearly every major car company has recalled one of its vehicles due to a fire-related defect. A new study from the Highway Loss Data Institute (HLDI) shows the claim frequency for vehicles with fire-related defects—prior to a recall—is 23 percent higher than for other vehicles.