If you have comprehensive and collision vehicle insurance coverage, then you’re usually covered for tire damage if it’s the result of an accident or anything unanticipated, like theft or malicious mischief.
Tire damage from typical driving is not covered by auto insurance, though your manufacturer’s warranty could cover imperfections, pre-mature wear, traffic dangers, and other kinds of damage.
Does Car Insurance Include a Tire Protection Plan?
Vehicle insurance policies do not include tire warranties, specialty tire insurance, or a tire protection policy that covers typical depreciation on your tires. Subject to which state you live in, nevertheless, your tires and wheels may be covered from damage because of potholes, malicious mischief, and other accidents through the optional coverages on the following:
Comprehensive coverage: This coverage provides protection for damage caused to your vehicle by circumstances other than accidents. Instances include flood damage, hail, theft, and malicious mischief. If a severe thunderstorm causes a tree to puncture your tire or a miscreant slashes your tires, this type of insurance coverage is going to pay for the damage.
Collision coverage: Through this coverage, you’re safeguarded against vehicle damage caused by an accident. When your tires get damaged after getting struck by another vehicle, you could file a claim under your collision coverage to assist in paying to repair or replace them altogether.
If you want additional coverage for your tires, you may want to think about a tire protection plan from a tire dealer. Dealers usually provide extended coverage plans that cover depreciation up to a specific number of miles or years, in addition to damage caused by traffic dangers such as screws. As with insurance, it’s wise to shop around for a plan and weigh the additional expense against the coverage provided.
Consider Custom Parts and Equipment Coverage
If your vehicle has custom rims or wheels, custom parts and equipment coverage (CPE) is going to repair or replace these parts should they get damaged in a covered accident. The expense of replacing custom wheels is a lot higher than replacing conventional tires. Additionally, if your custom wheels were not installed by the original manufacturer, you should think about insuring them.
Will Insurance Cover Slashed Tires?
Yes, your car insurance is going to cover slashed tires if you have comprehensive coverage. There’s a common misunderstanding that insurance companies are not going cover 3 slashed tires; however, they are going to cover 4 slashed tires instead. Actually, you’re covered for any number of slashed tires, if you have the correct coverage.
Is Vehicle Insurance Going to Cover Flat Tires?
Your vehicle insurance policy usually will not pay to fix or replace flat tires, unless it’s the result of an accident. Nevertheless, a lot of insurers provide roadside assistance coverage that will send a professional to change your flat and get you on the road again.
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