Auto insurance in Napa, CA can help with quite a few things depending on your coverage level. Roadside assistance can give you a tow or charge your battery. Liability coverage ensures that you don’t go into debt or have to file for bankruptcy after an accident. What about when your AC needs charged?
Common Coverage
Most coverage won’t pay the bill to charge your air conditioning. Your policy with Wine Valley Insurance Services won’t pay for standard wear and tear or maintenance. Likewise, it won’t pay for new brakes or tires if they aren’t damaged due to a covered event.
It wouldn’t be cost-effective if policies provided coverage to recharge your AC. Most policies have a deductible you must pay before your coverage kicks in. For example, you may have to pay $500 for repairs, and then your policy will provide coverage for the rest. The cost of standard maintenance is usually cheaper than the deductible.
When Will Auto Insurance Pay To Recharge AC?
Your policy will pay for damages due to a covered peril. For example, if the engine was damaged in an accident and recharging the AC is part of repairing that system, your policy will cover the cost. You can add it to your repair bill with the other damages to the vehicle.
It’s important to remember that standard liability coverage won’t cover your property damage if there’s an accident. You need collision or comprehensive coverage.
An agent here at Wine Valley Insurance Services can help you learn more about the different levels of coverage. Contact us to get the policy you need today. We’re currently serving the Napa, CA area.
