Beating the Texas Heat: How Extreme Summer Temps Can Affect Your Car and Your Auto Insurance

Texas summers can be brutal, with temperatures often soaring above 100°F. This extreme heat can take a toll on your vehicle in ways that may not be immediately obvious. Understanding these risks—and how your insurance may offer protection—can help you stay prepared.

Heat-Related Car Issues

High temperatures can affect several parts of your car, potentially leading to breakdowns or costly repairs. Some common issues include:

• Battery Drain: Heat can cause battery fluid to evaporate, reducing battery life.
• Tire Blowouts: Hot pavement and under-inflated tires can be a dangerous combination.
• Overheating Engines: Cooling systems may struggle to keep up in extreme heat.
• Interior Damage: UV rays can fade upholstery and crack dashboards.

Regular maintenance, such as checking coolant levels and tire pressure, can help reduce these risks.

How Insurance May Play a Role

While auto insurance won’t cover wear and tear, it may help in certain heat-related scenarios:

• Comprehensive Coverage: May cover damage from heat-related fires or if your car is vandalized while stranded.
• Roadside Assistance: Can be a lifesaver if your car breaks down due to overheating or a blown tire.
• Rental Reimbursement: May help cover the cost of a rental if your car is in the shop for covered repairs.

Tips for Texas Drivers

In addition to having proper insurance, it’s wise to be proactive about the heat. Consider the following tips:

• Park in the shade or use sunshades to protect your interior.
• Keep an emergency kit with water, jumper cables and a tire gauge.
• Review your insurance policy to understand what’s covered.

Staying proactive during the summer months can help you avoid unexpected issues, and having the right coverage can help if you experience a heat-related claim. Contact One Choice Insurance for more information on protecting your ride amid the summer heat.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.