{"id":63673,"date":"2025-10-06T17:59:46","date_gmt":"2025-10-06T23:59:46","guid":{"rendered":"https:\/\/www.callicottinsurance.com\/ms\/posts-news\/smoke-under-the-hood-drivers-game-plan-for-vehicle-fires\/"},"modified":"2025-10-06T17:59:46","modified_gmt":"2025-10-06T23:59:46","slug":"smoke-under-the-hood-drivers-game-plan-for-vehicle-fires","status":"publish","type":"post","link":"https:\/\/www.callicottinsurance.com\/ms\/posts-news\/smoke-under-the-hood-drivers-game-plan-for-vehicle-fires\/","title":{"rendered":"Smoke Under the Hood: A Driver&#8217;s Game Plan for Vehicle Fires"},"content":{"rendered":"\n<div class=\"bpsc-article\"><p class=\"bpsc-lede\">Few things are more alarming than seeing smoke curl out from under your hood on the highway. Vehicle fires are not common for any one driver, but they move quickly, and the decisions you make in the first minute matter far more than anything you do afterward. Thinking through a plan now, while you are calm, makes it much easier to act if the moment ever comes.<\/p><div class=\"bpsc-takeaways\"><p class=\"bpsc-takeaways__title\">Key Takeaways<\/p><ul><li>Get everyone out and away from the vehicle. Cars and belongings can be replaced; people can&#8217;t.<\/li><li>Don&#8217;t open the hood or trunk, and don&#8217;t go back for personal items.<\/li><li>Mechanical and electrical problems are the leading causes, so routine maintenance is your best prevention.<\/li><li>Whether a fire is covered usually depends on whether you carry comprehensive and collision coverage.<\/li><\/ul><\/div><h2>How Often Does This Happen?<\/h2><p>More often than most people assume. Data tracked by the National Fire Protection Association (NFPA) shows that U.S. fire departments respond to vehicle fires every day, and those fires cause substantial property damage and loss of life each year.<\/p><p>The NFPA also notes that collisions start only a small share of vehicle fires but account for a disproportionately large share of vehicle fire deaths. Crashes can injure occupants or jam doors, which makes escaping harder. That&#8217;s one more reason seatbelt use, careful driving and a plan for getting out all go hand in hand.<\/p><h2>Signs Your Car May Be in Trouble<\/h2><p>Many vehicle fires give some warning first. Pull over promptly if you notice any of these:<\/p><ul class=\"bpsc-checklist\"><li>Smoke coming from under the hood, the wheel wells or the dashboard vents<\/li><li>A smell of burning plastic, rubber or hot oil<\/li><li>Fluid puddles or drips under the car, especially if you smell fuel<\/li><li>Fuses that keep blowing or lights that flicker for no clear reason<\/li><li>A temperature gauge that suddenly spikes into the red<\/li><li>Unusual popping, rattling or loud noises from the exhaust<\/li><\/ul><h2>What to Do in the First Minute<\/h2><ol class=\"bpsc-steps\"><li><strong>Signal and get off the road.<\/strong> Move to the shoulder or a parking lot as quickly as it&#8217;s safe to do so, away from buildings, other cars, dry grass and gas pumps.<\/li><li><strong>Turn off the ignition.<\/strong> Shutting down the engine stops the fuel pump and cuts power to many electrical circuits that may be feeding the problem.<\/li><li><strong>Get everyone out.<\/strong> Help children and passengers with limited mobility first. Leave phones, bags and everything else behind if grabbing them would slow you down.<\/li><li><strong>Move well away.<\/strong> Stay at least 100 feet back and, if you&#8217;re on a highway, behind a guardrail or well off the travel lanes. Keep upwind of the smoke if you can.<\/li><li><strong>Call 911.<\/strong> Even if you see other drivers on their phones, make the call yourself and give the most specific location you can, such as a mile marker or exit number.<\/li><\/ol><div class=\"bpsc-callout bpsc-callout--warning\"><p class=\"bpsc-callout__label\">Leave the Hood Closed<\/p><p>It&#8217;s tempting to pop the hood and see what&#8217;s going on. Don&#8217;t. Opening it lets a rush of air reach the flames, which can make the fire flare up toward your face. Tires, struts, airbag components and pressurized parts can also burst during a fire.<\/p><\/div><h2>Should You Use a Fire Extinguisher?<\/h2><p>Some drivers keep a small extinguisher rated for flammable liquids and electrical fires (Class B and C, or a multipurpose ABC unit) in the car. It can be useful for a very small, contained flame you spot early, such as a smoldering item in the cabin. For anything coming from the engine compartment, under the car or near the fuel tank, most fire safety experts advise skipping the heroics. Get clear and let firefighters handle it.<\/p><h2>What Causes Car Fires?<\/h2><p>According to the NFPA, mechanical and electrical failures are the leading cause of vehicle fires, and the engine area is the most common place for them to start. The usual suspects include:<\/p><ul><li><strong>Leaking fluids.<\/strong> Oil, fuel, transmission fluid and even coolant can ignite when they drip onto a hot engine or exhaust part.<\/li><li><strong>Wiring problems.<\/strong> Frayed wires, loose battery connections, rodent damage and poorly installed aftermarket electronics can all spark or overheat.<\/li><li><strong>Overheating.<\/strong> An engine running hot raises the temperature of everything around it.<\/li><li><strong>Hot exhaust parts.<\/strong> Catalytic converters run extremely hot. Parking over dry grass or leaves can ignite them from below.<\/li><li><strong>Cargo.<\/strong> Gas cans, propane cylinders and other fuels carried improperly inside the vehicle.<\/li><\/ul><h2>Lowering Your Risk<\/h2><p>Older, poorly maintained vehicles are disproportionately involved in fires tied to mechanical problems, so the most effective prevention is unglamorous: keep up with service. Ask your mechanic to look for leaks and worn wiring during routine oil changes, and don&#8217;t ignore a small oil leak just because the car still runs fine.<\/p><p>A few other habits help:<\/p><ul><li>Check for open recalls on your vehicle using its VIN and schedule any repairs promptly. Some recalls involve fire risk.<\/li><li>Carry fuel only in approved, sealed containers, and keep them out of the passenger cabin.<\/li><li>Park on pavement or gravel rather than tall, dry vegetation, particularly in late summer and fall.<\/li><li>Have electrical accessories such as remote starters or stereo upgrades installed by a qualified shop.<\/li><\/ul><div class=\"bpsc-callout bpsc-callout--note\"><p class=\"bpsc-callout__label\">Good to Know<\/p><p>A parked car can still catch fire, though it&#8217;s less likely. Electrical shorts and recalled components have caused fires in vehicles that were turned off. If your car is under a recall for fire risk, follow the manufacturer&#8217;s parking guidance until it&#8217;s repaired.<\/p><\/div><h2>After the Fire: Insurance and Next Steps<\/h2><p>Because so many fires start near the engine, the damage often reaches the motor, transmission, wiring and interior, plus lingering smoke odor. Repairs can quickly exceed the car&#8217;s value, which is why many burned vehicles are declared a total loss.<\/p><p>How your auto insurance responds generally depends on the cause and your coverages:<\/p><div class=\"bpsc-compare\"><div class=\"bpsc-compare__col\"><h4>Comprehensive Coverage<\/h4><ul><li>Often applies to fire not caused by a collision<\/li><li>Examples may include electrical fires, lightning or vandalism<\/li><li>Your deductible typically applies<\/li><\/ul><\/div><div class=\"bpsc-compare__col\"><h4>Collision Coverage<\/h4><ul><li>Generally applies when a crash leads to the fire<\/li><li>Helps with damage to your own vehicle<\/li><li>Your deductible typically applies<\/li><\/ul><\/div><\/div><p>If you carry only liability coverage, damage to your own car usually isn&#8217;t covered. Exact terms vary by insurer and policy, so it&#8217;s worth confirming what you have. If a fire does happen, take photos once it&#8217;s safe, get a copy of the fire department report, and contact your insurer promptly. Don&#8217;t drive a car that has had even a small fire until a qualified mechanic has inspected it.<\/p><div class=\"bpsc-faq\"><h2>Frequently Asked Questions<\/h2><details><summary>Are electric vehicles more likely to catch fire?<\/summary><p>Current research generally suggests EVs are not more prone to fire than gas-powered cars, though battery fires behave differently and can be harder to extinguish. Data is still developing as more EVs reach the road.<\/p><\/details><details><summary>Is my stuff inside the car covered?<\/summary><p>Personal belongings are usually not covered by an auto policy. Homeowners or renters insurance may help with them, subject to that policy&#8217;s deductible and terms.<\/p><\/details><details><summary>Can I drive after a small fire that went out on its own?<\/summary><p>No. Have the car towed and inspected first. Damaged wiring or fuel lines can reignite.<\/p><\/details><\/div><div class=\"bpsc-cta\"><p class=\"bpsc-cta__title\">Make Sure Your Coverage Is Ready<\/p><p>Not sure whether you carry comprehensive coverage, or what your deductible is? Callicott Insurance Agency can review your auto policy with you and explain your options.<\/p><\/div><p class=\"bpsc-disclaimer\">This article is for general information only. Coverage varies by insurer, policy and state; review your own policy or talk with a licensed agent about your situation.<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Vehicle fires are rare but move fast. Learn the warning signs, the steps to take in the first minute, how to lower the odds, and how auto coverage may respond.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"ocean_front_end_style_editor":"no","ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","omw_enable_modal_window":"enable","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[9],"tags":[1491,1564,1541,1518],"class_list":["post-63673","post","type-post","status-publish","format-standard","hentry","category-posts-news","tag-auto","tag-car-fire","tag-comprehensive-coverage","tag-driver-safety","entry"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.3 - aioseo.com -->\n\t<meta name=\"description\" content=\"Senatobia MS Insurance - Vehicle fires are rare but move fast. 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