Does Car Insurance Cover AC Repair?

When your car’s air conditioning system stops working in the middle of summer, it can be an incredibly frustrating experience. After all, it's not just a matter of comfort – it’s a matter of safety too. Luckily, car insurance can help you out in many cases. But, does car insurance cover AC repair?

Types of Car Insurance Coverage

In many cases, car insurance can help you cover the costs of AC repairs. However, it depends on the type of coverage you have. There are several different types of car insurance coverage, including:

Liability Insurance: This type of coverage is required in most states and pays for the costs of other people’s medical bills and property damage in the event of an accident. It does not cover your vehicle’s AC system.
Collision Insurance: Collision insurance covers the costs of repairing your vehicle after an accident. It does not cover the costs of AC repair.
Comprehensive Insurance: Comprehensive insurance is optional and covers the costs of repairs from non-accident events, such as theft, vandalism, and weather-related damage. It may also cover the costs of AC repair, depending on the cause of the malfunction.

What Does Car Insurance Not Cover?

In addition to the types of coverage mentioned above, there are a few other types of coverage available, such as rental car coverage and gap coverage. However, none of these cover the costs of AC repair. In addition, car insurance typically does not cover the costs of normal wear and tear on your vehicle, including AC repair.

What Should You Do If Your AC Breaks?

If your AC system breaks down, the first step is to check your car insurance policy to see if your AC repair is covered. If it is, contact your insurance company and file a claim. If it is not covered, you will need to pay for the repair out of pocket. To save money on the repair, you can compare quotes from several different repair shops and take advantage of any discounts or specials they may offer.

Conclusion

Car insurance can help you cover the costs of repairing your vehicle after an accident or other non-accident related event. However, it typically does not cover the costs of normal wear and tear on your vehicle, including AC repair. If your AC system breaks down, check your car insurance policy to see if your AC repair is covered. If it is, contact your insurance company and file a claim. If it is not covered, you will need to pay for the repair out of pocket.