A burning car, the smell of smoke, sirens in the background – a firefighter response is always a dramatic event. But what happens if you caused the fire yourself? Who pays the costs then? This article clarifies “Firefighter Response Costs for Self-Inflicted Fires” and gives you valuable tips on how to react correctly in such situations.
Self-Inflicted Firefighter Response: What Does That Mean?
“Self-infliction” sounds harsh, but in the context of a firefighter response, it doesn’t always mean gross negligence. A small mistake, a moment of carelessness, is enough to trigger a fire. Dr. Hans Meier, an expert in fire cause investigation, explains in his book “Fire and Vehicle”: “Often it’s trivial things like a short circuit, an overheating engine, or a discarded cigarette that have devastating consequences.” A self-inflicted fire can therefore affect anyone.
Burning car after a self-caused fire
Cost Coverage: When Does Insurance Pay?
The question of who bears the costs for the firefighter response depends on various factors. If you have comprehensive insurance, it generally covers the costs, regardless of whether you caused the fire yourself or not. It’s different with partial comprehensive coverage: This usually only covers damages from fire, explosion, or lightning, but not if you caused the fire yourself.
No Comprehensive Insurance? Then It Gets Expensive!
It becomes particularly problematic if you haven’t taken out comprehensive insurance. In this case, you have to bear the costs for the firefighter response yourself. And these can quickly run into the thousands, depending on the duration of the response, the number of vehicles deployed, and the region.
Person facing high costs for a self-inflicted car fire
Tips for Avoiding Vehicle Fires
“Prevention is better than cure,” as the old saying goes. And that also applies to vehicle fires. Regular maintenance, checking the electrical system, and refraining from smoking in the car can significantly reduce the risk of a fire. Engineer Franziska Schmidt, author of the technical book “Vehicle Safety in Focus,” advises: “Pay attention to unusual smells or noises in the engine compartment and have them checked immediately by a specialist workshop.”
What To Do in Case of a Car Fire?
Should a fire occur despite all precautions, stay calm and act prudently. Immediately leave the vehicle and get yourself and others to safety. Dial the emergency number 911 and describe the situation. Only attempt to extinguish the fire yourself if you are not putting yourself in danger.
Frequent Questions About Firefighter Costs
- Who pays the costs for a firefighter response due to arson?
- What are the average costs for a firefighter response?
- Can I deduct firefighter costs?
- What happens if I can’t pay the costs for the firefighter response?
Calling emergency number 911 during a car fire
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Conclusion: Prevention and Insurance Are Important
A firefighter response due to a self-inflicted fire can be expensive. With comprehensive insurance, you are on the safe side. But even more important is to take precautions to avoid a fire in the first place.
