The same as the burning car, insurance why some lose some not to compensate

                             The vehicle ignition reality is not uncommon

   Mike's car the night suddenly caught fire on the outside, the insurance companies were quick to claim. But, sun vehicle suddenly caught fire, also called the insurance company, insurance company finished the survey work, but that does not belong to the scope of insurance, not claims. Small sun how also think impassability, Bao is the same risks, why he can lose, I cannot lose?
    This relates to vehicles on fire. In the insurance liability, the cause of the fire is different, the responsibility is different.
    According to the cause of the fire, the insurance liability, can be divided into two types: fire and spontaneous combustion.
    The fire. In accordance with the insurance practice principles of interpretation, it is in terms of the attached interpretation,Fire is defined as: to cause insurance vehicle itself in time or space fire, burning out of control (i.e., heat, light, fire violent oxidation reaction) caused by disasters.Compared with the usual interpretation, here with particular emphasis on "insurance vehicle fire" (hereinafter referred to as foreign in fire), which makes the concept of fire insurance became a special terms.
   Spontaneous combustion. Ditto.The spontaneous combustion of the attached in terms of interpretation, is defined as: refers to the insurance for the vehicle, vehicle electrical circuit, circuit, fuel supply system, air supply system, air their own problems, such as motor vehicle running friction fire caused by fire.It has also become a concept of insurance practice of interpretation, the point we understand to put in the "no outside the fire" as the key point.
   Therefore, the insurance liability of fire and combustion although the appearance is very similar, but the difference because the cause of the fire, making it the two completely different concepts, and the difference between the cause of the fire is reflected in the"There is no foreign fire"Last, this point is very important, we must firmly remember.
   Fire is one of the basic responsibilities, including the main risk, but not all. The implementation of paragraph three of the national industry in terms of commercial vehicles, clause A in paragraph will "fire, explosion, spontaneous combustion" excluded from the car damage insurance liabilities. In addition, Che Sunxian responsibility of various models of "fire" responsibility includes. But self responsibility is different, which is the opposite of fire liability, Che Sunxian in general, will be classified as spontaneous responsibilityExceptResponsibility, specifically to treat as an additional insurance. The three industry in terms of the issue, unless the business enterprise or the vehicle and special vehicle A will risk of spontaneous combustion as the car damage liability insurance, other kinds of vehicles are required to cover the additional risk of spontaneous combustion in order to get the vehicle ignition loss compensation.
   Here, have three points of attention. One is the liability caused by fire, for unexplained losses are generally excluded in the scope of liability insurance; two is the responsibility of spontaneous combustion, such as spontaneous combustion caused only electrical appliances, circuit, fuel supply system loss and does not belong to the scope of compensation; three is caused by artificial direct supply and high temperature baking loss, regardless of vehicle damage or additional risk of spontaneous combustion are no compensation.
   For the fire, due to its most in car caustic danger can be guaranteed, so you may not be too concerned about. In reality, mainly in the risk of spontaneous combustion of choice, due to give a money, so the general customers the insured will be repeated. Most people feel far away from their own choice, not many. But that is the risk, only met you can feel its come unexpectedly. In fact, more than the fire vehicle reality spontaneous combustion vehicles, fire caused by spontaneous combustion of oil is caused in the circuit, fire is spontaneous, long distance driving tire friction fire is spontaneous, the car pull cargo vehicle is spontaneous combustion ignition, the summer heat is easy to cause combustion vehicles, vehicles longer are more prone to spontaneous combustion accident, and now the car retained quality problems can also cause spontaneous combustion. Chengdu 6.5 Bus spontaneous combustion event has left us with a painful impression.
   In reality, there is a class of examples, is the first collision after the fire, according to the insurance principle of proximate cause, which belongs to the collision liability, not duty to deal with fire.
   Identify the cause of the fire, the insurance company will take fire proof as the basis for. Survey on the fire accident, the insurance company will focus on the difference between fire and spontaneous combustion. Of course, if you are insured additional spontaneous combustion risk of loss, the survey is relatively simple.
   It is clear. In addition to A, commercial vehicles, general car caustic danger which contains fire liability, unless the authorities and enterprises operating vehicles and A special car, don't include the self responsibility. Spontaneous responsibility as an additional insurance car damage insurance, in order to ensure have devoted to the insured, or due to spontaneous combustion caused by the loss of only themselves.
   To see Xiao Li and Xiao Sun example. Xiao Li and Xiao Sun are private cars, are only covered car caustic danger, not cover additional spontaneous combustion risk of loss. Mike's car caught fire on the outside, the fire that caused the firecracker, after falling, so the insurance company to fire liability to the claim, does not involve the insurance does not guarantee the risk of spontaneous combustion problems. While the sun vehicle suddenly caught fire, driving, the fire that, for short circuit caused the fire, belongs to the spontaneous combustion of responsibility, but the sun insurance for money uninsured risk of spontaneous combustion, only Too Late To Regret.
   Whether the risk of spontaneous combustion, of course, according to the economic situation and risk to choose their own set. Here I want to remind is, because the market is the implementation of the three clause, and the risk of spontaneous combustion rules are not the same, so no matter what kind of vehicle, regardless of which company is covered, be sure to read the terms carefully to see, to prevail, do a as clear as noonday consumers. Otherwise, do not pay attention to the insured, most probably it did not actually happen that ensured, after be or get out of danger just know not, then regret it too late.