Does the car insurance cowl tire harm? – Kelley Blue E-book
Adequate insurance coverage can help protect you if you have an accident or another insured event damages your vehicle. In certain situations, car insurance can even help pay for a punctured tire. However, what your policy covers depends on how the tires were damaged and what types of insurance you have.
When does car insurance cover tire damage?
There may be situations where your standard auto insurance will cover the cost of repairing or replacing your tires. If you have collision and fully comprehensive insurance, your insurance will usually cover tire damage if:
- Your tires are slashed. Has your neighborhood seen a surge in vandalism recently? If the culprits cut up your tires when no one is around, full coverage can help replace them.
- Your tires have been stolen. If a thief steals your tires from the rims, comprehensive insurance can cover the cost of new tires.
- You're driving over a pothole. Potholes can cause extensive vehicle damage. If you hit one and the pothole damages your tires or wheels, your insurance company can help if you have collision insurance.
- You have an accident. If an accident involving a vehicle or other stationary object damages your tires and you have collision protection, your insurance can cover the incident.
It is important to note that while insurance can help in these situations, unless you have an accident, it may not be worth making a claim. Both collision and fully comprehensive insurance have a deductible that you have to pay before the insurance pays the repair costs. If you meet your deductible, your insurer may not have much left.
For example, if your deductible is $ 500 and the cost of changing tires is $ 450, the insurance will not cover anything. If your deductible is $ 500 and the cost of changing tires is $ 600, you can get the extra $ 100 out of pocket instead of risking a premium increase by filing a claim.
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When does car insurance not cover tire damage?
While your insurance company will cover tires in certain circumstances, there are times when your standard policy won't collect the bill, including:
- Wear and tear. The insurance is designed to protect you from accidents and other risks over which you have no control. It does not cover basic wear and tear. Replacing your tires when they run out is part of the cost of owning a vehicle.
- Flat tire. If you wake up one morning and find that you have an apartment, insurance won't cover it. But if you do have roadside assistance, they can help you fit the replacement part so you can drive your car to a dealer or tire dealer for it to be replaced.
- Road traffic hazards. If a nail, piece of glass, or other debris damages a tire while driving, you are responsible for repairing or replacing it.
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How do I get insurance coverage for my tires?
If you want coverage for your vehicle tires beyond what your standard auto insurance offers, you have several options.
Defense in road traffic
When purchasing new tires from your local auto service center, they may provide protection from road hazards. Road protection pays off in repairing or replacing your tires when they are damaged by glass, metal, nails, or other debris on the road. Some plans also offer help with changing tires.
Road protection plans are often only valid for a certain number of kilometers. Or they only cover tires that still have a certain remaining tread. Terms and conditions vary depending on the tariff, so it is important to read your terms carefully if you opt for this type of protection.
Road hazard protection plans typically cost between $ 15 and $ 30 per tire. Some tariffs charge a flat fee while others charge a percentage of the cost of the tire. Some tire dealers offer free road protection when buying tires.
Tire and wheel protection
Like road hazard protection, tire and wheel protection also covers damage from road hazards such as metal, glass, nails and other dirt. But it also offers additional benefits. It doesn't just repair or replace damaged tires; it also repairs and replaces broken wheels and sensors.
Tire and wheel protection plans often cover towing costs and alternative transportation costs while your tires or wheels are repaired – up to a certain dollar amount. Some plans also cover beauty and curb damage, while road protection plans typically don't.
Some tire and wheel protection plans limit mileage and maximum lifetime benefits, while others don't. It is important to read your contract carefully so that you understand what is covered.
Many car dealerships offer tire and rim protection as an addition to the vehicle purchase. You may also be able to obtain a plan from certain auto dealers and vehicle service contractors.