It’s hot. And whether you live in the desert of New Mexico, along the subtropical Gulf Coast or the middle of Iowa, you’re probably experiencing scorching heat, at least part of the summer. As the temps soar, they not only affect your home and your body, they also have an impact on your vehicles. Here’s what you need to know about those above-90-degree afternoons, how to avoid overheated cars, and what your insurance covers in the event of a heat-related claim.
Heat Effects on Your Vehicle
Extreme heat can wreak havoc on your car, causing both immediate and long-term damage. Here are some of the most common heat-related issues:
Battery Failure
Ever had a dead battery in the summer? Those high temperatures can actually accelerate chemical reactions inside your car’s battery, leading to faster depletion and potential failure.
Tire Blowouts
Extreme heat causes the air inside your tires to expand, increasing the risk of blowouts, especially if your tires are underinflated or worn.
Engine Overheating
Prolonged exposure to extreme heat can cause your engine to overheat, leading to pricey repairs.
Cracked Interior
The sun’s UV rays can dry out and crack your car’s interior materials, including your leather seats and dashboard.
Faded Paint
Continuous exposure to intense sunlight can cause your car’s paint to fade and peel.
What Your Insurance Covers
When it comes to heat-related damage, your auto insurance coverage depends on the type of policy you have and the specific issue. If your car catches fire due to extreme heat or a heat-related malfunction, for instance, comprehensive insurance will generally cover the damage. This includes repairs or replacement of your vehicle.
Unfortunately, most standard car insurance policies don’t cover damage caused by wear and tear or mechanical failures. This means battery failure, engine overheating, and other heat-related issues that fall under maintenance — like cracked leather seats or flat tires — are usually your responsibility.
Claim Denials and Why They Happen
Put in for a heat-related claim and your insurance provider denied it? Here are a few potential reasons:
Poor Maintenance
Insurance companies expect policyholders to take reasonable care of their vehicles. So if they deem your car’s heat-related damage the result of failing to replace a worn-out battery or neglecting tire pressure, your claim will likely be denied.
Preventable Damage
Damage that could have been avoided with proper precautions, like parking in the shade or using a sunshade, may also lead to claim denials.
Cosmetic Neglect
Faded paint and cracked interiors are often considered cosmetic and a natural consequence of vehicle use. Since these issues don’t affect the car’s functionality, they’re rarely covered.
Tips to Protect Your Car and Insurance Coverage
The good news is there are ways to minimize heat-related damage and ensure your insurance policy works in your favor:
Get Comprehensive Coverage
Comprehensive insurance is your best defense against unexpected events like heat-related fires, vandalism, and natural disasters. Shop around and get multiple car insurance quotes so you can find a policy that best aligns with your needs.
Maintain Your Vehicle
Regular maintenance is key to preventing heat-related issues. Check your battery, tires, and coolant levels frequently, and address any problems as they come up.
Park in the Shade
Whenever possible, park your car in a shaded area or garage to protect it from direct sunlight. This helps to prevent interior and exterior damage.
Keep Records
Document any maintenance and repairs to demonstrate to your insurer that you’ve taken care of your vehicle. This can strengthen your case if you need to file a claim.
Review Your Policy
Take the time to understand what your insurance policy covers and excludes. If you’re unsure, contact your insurer for clarification.
Extreme heat can have a significant impact on your car and, by extension, your car insurance policy. By taking proactive steps to protect your vehicle and understanding your policy, you can avoid expensive repairs and claim denials.
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