Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 7, 2022

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In a nutshell

  • There are various ways AC can break in the car
  • If the AC breaks because of mechanical damage, a claim would be denied
  • The type of insurance coverage you have will determine if AC car insurance is covered after being involved in an accident

Does car insurance cover air conditioning? When your AC breaks in your car, the costs could be considerably more than you expected. Auto insurance may or may not cover the repairs.

Much of it will depend on whether it’s a result of a car accident or because of a mechanical breakdown.

Compare car insurance rates today to see how much you could save on your premiums.

Does car insurance cover air conditioning if it broke as a result of being in an accident?

Your AC might be working fine. However, an accident could be enough to break the AC unit.

There are various working parts in the air conditioning of your car. These parts include such things as:

  • Condenser
  • Evaporator
  • Compressor

Often, you won’t know what has broken until you bring the car into the repair shop. The mechanic will determine the full level of damage and identify the repair costs.

Depending on the insurance company you have, you might be required to go to a specific mechanic. Otherwise, you might have to get two or three quotes before the insurance company approves the cost of the repairs.

The AC might not be the only thing to break because of the accident. You might have various other repairs as well, both mechanical and structural.

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Does car insurance cover air conditioning if it broke as a result of a mechanical breakdown?

If you weren’t involved in an accident, then your AC is likely not working because of a mechanical issue. This issue might be as a result of driving an older car or poor maintenance.

Some of the most common reasons for AC not working include:

  • Not changing the air filter with frequency
  • Compressor failure
  • Refrigerant leak

While you might be able to self-diagnose the problem, it might be difficult to know how expense the repairs will be until you go into a mechanic. Some problems will get worse if you don’t get them looked at as soon as you notice the warning signs.

Repairs could be more expensive the longer you wait. Regardless of what the mechanical breakdown is, your car insurance won’t pay for the repairs.

Some warranties will cover mechanical breakdowns, especially if the car is relatively new.

You might also be able to get an extended warranty to provide you with mechanical breakdown insurance. This warranty comes from the manufacturer, not from the car insurance company.

Exploring Your AC Car Insurance Options

If your AC broke because of being involved in an accident, you need to look at the level of auto insurance coverage you have in place.

A basic auto insurance policy is what is required by the state. This includes specific levels of property damage and bodily injury liability.

Property damage liability would cover a broken AC unit if it broke in a car crash.

Additional coverage options available to you include collision, comprehensive, uninsured motorist, and more.

In terms of being covered with AC car insurance, collision coverage would provide you with protection if you were to hit any of the following with enough force that it damaged your AC unit (and likely other components of your car as well):

  • Vehicle
  • Telephone pole
  • Pothole
  • Any other object

Since there is no way of knowing what will happen to you when you are out on the road, it’s best to have a higher level of protection than what is required by the state.

You can get quotes online to determine what the cost of insurance is going to be. By increasing liability levels and adding collision coverage, you are more likely to be covered on your AC if something happens when you are behind the wheel.

It’s important to know when you can and cannot file a claim with insurance.

If your AC is broken, it needs to be related to an accident in order to file the claim. Otherwise, it’s identified as mechanical damage, which isn’t covered by auto insurance.

Compare car insurance quotes right now and get the coverage that you need on AC car insurance for the best price.