![]() ![]() You will probably need a rental if you leave your car at the shop. ![]() Damage only to the air conditioning system is rare and the insurance company would want it is not mechanical breakdown before approving coverage and payment. Most insurance companies will not approve a rental until the adjuster sees the damages to your car first. This option also allows you to have the mechanic who inspected your car personally specify the damage to the insurance adjuster. In my experience, it is best to have the inspection occur at the repair shop where you had your a/c damage diagnosed. The adjuster can come to the repair shop where you had the vehicle diagnosed, your residence, workplace or schedule you to come to their repair facility for an inspection. Setup an inspection with the auto damage adjuster. If the mechanic states that there is impact damage to any of your a/c components, then you have a valid insurance claim.Ĭall the insurance company and explain what the mechanic told you. Check with your agent to be sure, as they might have added this coverage to your policy. Some insurance companies sell extended warranties that cover mechanical failures such as this. You are eligible for a warranty claim on your vehicle provided you have this coverage. If the mechanic states you have a worn out compressor, a refrigerant leak resulting from old seals, or an electrical issue, then you do not have an insurance claim. Unless you see obvious damage to the outside of your car, or an oily leak, you would take your car to the mechanic for a diagnosis. How to File an Auto Insurance Claim for Damaged Air Conditioning.įor the majority of air conditioning claims, the damage to your a/c system happens without you knowing until you attempt to use it. Let me explain the process and how to present this to your insurance company so they do not deny you coverage. Claims just for air conditioning repair, without other collision damages are rare but don’t let this deter you from making a claim. As an auto insurance damage adjuster I have written thousands of estimates for insurance claims. ![]()
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