Every driver is legally required to maintain a minimum level of auto insurance. This often leads people to wonder whether their policy will help with smaller maintenance issues, such as recharging a vehicle’s air conditioning system. There are specific situations where auto insurance in Snellville, GA may help.
Normal Wear and Tear
Auto insurance does not cover normal wear and tear or routine maintenance. If your AC needs to be recharged simply because it is due for service, your policy will not pay for the repair.
Even if the damage were eligible, you must first pay your deductible. In most cases, the deductible is higher than the cost of having the AC recharged by a mechanic. An agent at Toney Insurance Services can explain how a deductible works and when it applies.
When a Covered Event Causes AC Damage
If your refrigerant was lost due to a covered event, your auto insurance may help cover the repair costs. For example, if you are involved in an accident and an AC line is damaged, your collision coverage may help pay for a new line and the cost of recharging the system.
Coverage Depends on Your Policy Type
Auto insurance will only pay for repairs to your vehicle if you have collision or comprehensive coverage. Standard liability insurance, which is the minimum requirement in most states, only covers damage you cause to another person’s vehicle or property.
Understanding what your policy covers can be confusing. The team at Toney Insurance Services is here to help you review your coverage, understand your options, and make informed decisions. Contact us today. We proudly serve the Snellville, GA area.
