Wildfires are common risks, especially in Western Canada. These fires can spread quickly and can put people in danger immediately.
It is never advisable to stop and try to save a vehicle or other assets from wildfire. Instead, evacuate as soon as you can. Doing so can save your life and help you protect your family's lives as well.
Fortunately, your auto insurance policy may be able to help cover any damage to your vehicle.
What Type of Auto Insurance Do You Have?
To determine if you have coverage for your vehicle, contact your agency directly. Most of the time, comprehensive insurance will provide protection from fire-related losses. However, there are some limitations — and some situations, your home insurance may cover the cost instead. The key here is to have comprehensive coverage. It usually offers protection from weather-related events, including wildfires.
If Your Car Is in the Garage
In some situations, a fire can start within a home or cause damage to the home. When this leads to damage to a car in the garage, your home insurance may offer some extra protection to you. Be sure to speak to your agent about the coverage available for wildfires for this specific need.
How Much Coverage Do You Have?
Wildfires are notorious for causing significant destruction. Even if a vehicle has minimal damage, it may not be easy to repair it after a significant fire. Moreover, firefighters will use chemicals and water to douse the flames. This process can also cause damage.
The amount of payment you receive from your car insurance provider depends on many factors. Specifically, your policy will list the total value of your coverage. The insurer will usually base the amount you receive on the value of the vehicle at the time of the incident plus provide coverage for items stored within it at the time of loss.
What About Exclusions?
If you live in a high-risk area, your auto insurance may include an exclusion to wildfires. This is not common in most situations. It is important to ensure your policy does not have this exclusion intact if you want to ensure financial protection from wildfires.
Speak to your car insurance provider about your current policy. Then, take steps to minimize the risks to your vehicle from such fires.
Need coverage? Call Heritage Insurance, LTD at (800) 667-7640 right now. We can help you get a fast, free Moose Jaw SK auto insurance quote.