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Just like home HVAC systems, a vehicle’s heating and cooling system can break down unexpectedly. When this happens, many drivers wonder whether filing an auto insurance claim is an option.
Mid Atlantic Insurance Financial in Laurel, MD is here to help you understand when insurance may or may not apply to HVAC repairs in your vehicle.
Insurance Coverage for Auto HVAC Systems
In most cases, a malfunctioning car heater or air conditioner is considered normal wear and tear. Routine mechanical failures are not covered by standard auto insurance policies, which means repairs are typically the owner’s responsibility.
However, there are situations where insurance may help. Mechanical breakdown insurance can provide coverage for repairs that go beyond what a vehicle warranty covers. This type of coverage may apply if the HVAC system fails due to a mechanical issue, such as a manufacturer’s defect.
Because the heating and cooling system is a mechanical component of the vehicle, mechanical breakdown insurance may cover the repair if the failure is due to a covered mechanical defect rather than regular wear.
How Comprehensive Coverage May Apply
Comprehensive coverage applies to non-collision losses, such as fire, flooding, theft, and vandalism. If one of these covered events damages your vehicle’s heating or cooling system, the repair costs may fall under your comprehensive coverage.
For example, if flooding or vandalism damages your HVAC components, comprehensive insurance could help cover the repairs, depending on your policy terms and deductible.
Contact Mid Atlantic Insurance Financial
If you live in the Laurel, MD area and are exploring auto insurance options, Mid Atlantic Insurance Financial can help you find the right coverage. Call 301-604-4444 to learn more about our policies and request a personalized quote.