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Does comp coverage cover mechanical damage due to cold weather?

Its been cold the heater hasn’t been working, apparently the coolant was low, I filled it up and still no heat. I took it in he said the radiator is bad and he believes the head gasket is bad too. At this point the repairs are more than the car is worth. Does comp cover this? Can this be totaled?

Agent Answer

Ava Lynch

Unfortunately, mechanical breakdown is usually one of the things that is usually excluded from most automobile coverages – including comprehensive. You can double check with your insurance company to see if you have coverage, but “typical” auto insurance policies do not provide that type of coverage.

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