Is air conditioning covered by car insurance?
Car insurance does not routinely cover air conditioning because it is part of normal wear and tear. But if your car is damaged in an accident, your insurance will cover the air conditioning. Car insurance will also cover broken air conditioning if it is the result of an event like a flying object hitting a part or you drive over something that breaks your car's A/C system.
Free Car Insurance Comparison
Secured with SHA-256 Encryption
UPDATED: Jul 11, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
- Car insurance does not cover routine wear and tear on air conditioners
- In the event of a car accident, it’s possible that your air conditioning will break, then your insurer will pay for it
- Basic car insurance covers repairs for accident-related losses
If your car’s air conditioning breaks, you’ll have to get it fixed eventually. Depending on the damage, the cost of repairs can be high. Your first instinct may be to submit a claim to your car insurance company.
Unfortunately, insurance companies sometimes reject these kinds of claims because a standard air conditioning repair is classified under normal wear and tear. There are situations where air conditioning and other repairs are covered, though.
So is air conditioning covered by car insurance? This car insurance guide will tell you everything you need to know.
Before learning more about if air conditioning is covered by car insurance, enter your ZIP code for free car insurance quotes on affordable car insurance from top companies in your area.
Does car insurance cover air conditioner replacement?
Most times, no. If your A/C failed as a result of wear and tear, then your claim will be denied.
When you buy car insurance, basic coverage includes liability insurance, which covers repairs to another car if you are in an accident. For damage to your own car to be covered, you need to purchase collision and/or comprehensive coverage.
If you have this type of coverage and your air conditioner was damaged due to a car accident, then your insurer will cover the cost of repair.
If you’re not covered, another option could be to take advantage of your car’s warranty and try to get the air conditioner fixed or replaced that way.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Is there car insurance that covers repairs?
You can buy coverage from your car insurance company to cover repairs. Mechanical breakdown insurance is a type of insurance that covers repairs. It’s best to check a company near you since not every insurer offers it.
Now that you know more about if air conditioning is covered by car insurance, enter your ZIP code, and our free tool will give you a car insurance quote.
Frequently Asked Questions: Is air conditioning covered by car insurance?
Have questions about air conditioners and if they’re covered under car insurance? Here are your answers.
#1 – Is car A/C compressor covered under insurance?
Like the other parts of a car, the compressor will only be covered if it has been damaged as a result of a car accident.
#2 – What repairs does car insurance cover?
Normal repairs like tire replacement and engine tune-ups aren’t covered. You can buy additional coverage like comprehensive and collision insurance to cover repairs due to things like bad weather or vandalism.