Does Car Insurance Cover Arson? 
Fire damage to a car is covered under the comprehensive portion of the auto policy , subject to the deductible and the current value of the car . If the responsible party is known , the insurance company will endeavor to collect the dollars paid on the claim , including the deductible . If the car 's owner is found to be the culprit , do n't laugh , it happens , the claim will not be paid or will be recovered , and the owner will be subject to criminal prosecution for insurance fraud . 