Car insurance in Montgomery, AL can help ensure you always have a vehicle to drive. However, if someone sets fire to your car, the situation can become more complicated. Several factors come into play when determining whether your insurance will cover the damage.

Comprehensive Insurance

If you have comprehensive coverage, your policy will likely cover the damage. Comprehensive coverage protects against incidents beyond your control that are not related to accidents, such as fires, theft, and vandalism. Arson typically falls into this category, but it’s important to speak with an agent at Bridgeway Insurance Group to confirm your specific coverage.

Intentional Fire Exclusion

Insurance companies protect themselves from fraud by including specific exclusions in their policies. For example, they will not provide coverage if the vehicle owner intentionally sets fire to their own vehicle. Some companies may require a police report and will not release reimbursements or approve claims until a police investigation rules out the owner as a suspect.

Coverage Limits

Coverage limits are another important factor to consider. For instance, if your personal property coverage limit is $10,000 and you have $20,000 worth of upgrades damaged in the fire, your insurance may not cover the full cost of the damage.

Totaling Out the Vehicle

If the cost of the damage exceeds the vehicle’s value, many insurance companies will declare the vehicle a total loss. This means the vehicle is deemed unsafe to drive, and the insurer may reimburse you for the estimated value of the car.

It’s essential to speak with a professional at Bridgeway Insurance Group to learn more about how arson cases are handled. Every insurance company operates differently. Contact us today to discuss your coverage options. We proudly serve the Montgomery, AL area.