Piles of charred irons. The death of young Nahel set several neighborhoods of France ablaze. Several cars were set on fire during clashes between individuals and the police. Stunned, residents find their charred vehicle, ravaged by flames. But then, what to do in this situation? Is it possible to get compensation? If so, what procedure should be followed?
The importance of fire coverage
Above all, you need to have fire coverage to hope to be properly compensated. This coverage, which is optional and therefore not always present in automobile insurance contracts, covers damage caused by a fire or explosion to a vehicle. The guarantee compensates you provided that the damage is accidental or criminal.
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If you have this coverage, the most important thing is to act quickly. After noticing the damage, you only have five days to send a claim to your insurance. The latter must take the form of a registered letter with acknowledgment of receipt. It must include all the elements of the loss, which will be analyzed by an automotive expert responsible for assessing the extent of the damage. The insurer relies on this analysis to reimburse repair costs. If the car is totally destroyed, compensation will be made up to the value of your vehicle at the last Argus. At the same time, it is imperative to file a complaint with the police station for the procedure to succeed. Do not hesitate to ask your insurer for advice.
What if I am not insured for this type of loss?
There are some possibilities for those who would not have subscribed to fire coverage. If your income is less than 25,335 euros per year, it is possible to refer the matter to the Commission d'Indemnisation des Victimes d'Infraction (CIVI). This compensation nevertheless caps the maximum reimbursement at EUR 4341. It is also possible to apply to his prefecture, and to make a claim by invoking the responsibility of the State. In any case, filing a complaint is important. Indeed, this will allow you to pay the costs of moving and destroying the carcass, doomed to end up scrapped in case of irreparable damage.