A car fire is one of those emergencies most drivers never expect, but it can happen to anyone. Whether caused by a mechanical failure, an electrical issue, or a collision, vehicle fires can spread fast and put your safety at serious risk. Knowing what to do (and what not to do) in those critical moments can make all the difference.
Here’s what to know if you ever find yourself facing a car fire, and how your auto insurance can help you recover after the fact.
1. Get to Safety Immediately
If you notice smoke, a burning smell, or flames, pull over as soon as it’s safe.
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Turn off the engine and move everyone out of the vehicle immediately.
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Stay at least 100 feet away from the car to avoid toxic fumes or explosions.
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Do not open the hood or trunk, oxygen can cause the fire to flare up.
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Call 911 right away and let trained firefighters handle the situation.
2. Do Not Try to Put the Fire Out Yourself
Unless the flames are extremely small and you have a fire extinguisher rated for car fires (Class B or C), it’s best to keep your distance. Vehicle fires can escalate quickly, and opening doors or compartments may worsen the situation.
Your safety and that of your passengers should always come first—cars can be replaced, lives cannot.
3. Notify Your Insurance Company
Once you’re safe and the fire is under control, contact your insurance provider to start a claim.
If you’re insured through McConkey, our Personal Lines team can help guide you through the claim reporting process.
A car fire is typically covered under Comprehensive Coverage, which protects against damage not caused by a collision, including:
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Fires and Theft or vandalism
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Animal damage
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Flood or hail
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Falling objects and glass breaking
If you’re unsure whether your current policy includes this coverage, it’s a good time to review it with your agent.
4. Gather Information for Your Claim
Before leaving the scene, safely collect important details that will support your insurance claim:
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Photos or videos (from a safe distance)
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Fire department and/or police report number
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Details about what happened before the fire started
This documentation will help your insurance adjuster process your claim quickly and accurately.
5. Prevent Future Car Fires
While not every fire can be prevented, regular vehicle maintenance can significantly lower your risk.
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Check for fluid leaks and get them repaired right away.
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Have your battery, electrical system, and fuel lines inspected regularly.
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Avoid keeping flammable items (like aerosol cans or gas containers) in your car.
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Watch for warning signs—such as flickering lights, strange smells, or sudden temperature spikes.
Stay Protected with McConkey
Experiencing a car fire can be scary, but having the right insurance coverage can help you recover faster and with less stress. The McConkey Personal Lines team is here to help you understand your options, review your coverage, and make sure you’re fully protected—on and off the road.
Contact us today to review your auto insurance policy or to learn more about how Comprehensive Coverage can safeguard your vehicle.
