Q: Auto insurance covering car fire after auto work done to car..
My small daughter and I were just involved in a car fire. My car had recently had a new transmission installed. after the fire I was looking at reasons why the fire could have started.. I found a recall I had not heard of before. I don’t believe it was the new transmission. Well I really hope not, because we didn’t go to a shop or certified mechanic. It was installed from a trusted guy who installs transmissions. They haven’t found the cause of the fire yet but I feel like they’ll assume it was that. My question is would my comprehensive insurance still cover my car if I didn’t go to a certified mechanic?? I’m really scared I’m going to be screwed over. Especially after all the work I’ve put into my car .
A: Your insurance covers the fire pretty much regardless of cause (i.e. won't cover it if caused by war, nuclear plant meltdown and other exceptions). Talk to your agent and don't get into who did what unless asked, Keep it simple. Car caught fire. Why I don't know. That's it.
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