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Are Tire Damages Covered by Car Insurance?

Are Tire Damages Covered by Car Insurance

Nov 23, 2022

Car Insurance

Like any other at-fault accidents and vehicle damages caused by covered perils, car insurance also pays for tire damages. However, you can have your tires covered only in some circumstances, depending on the type of policy and coverage you have.

Tire Damages Covered by Car Insurance

Collision and comprehensive coverages of car insurance policy will usually cover damaged tires under some situations, such as:

  • If your tires are cut or slashed by a vandal
  • If collision with an object or another vehicle damages your tires
  • If your tires get stolen
  • If you drive over a pothole that causes damage to your tires

Despite what caused the damage, you have to pay the deductible (out of pocket) before the policy kicks in to cover your losses. Sometimes, there might not be much money to claim after paying the deductible. In such cases, it is best to avoid filing claims that will prevent the premiums from rising. Make sure to file a claim only for a huge loss costing thousands of dollars.

When Are Tire Damages Not Covered by Car Insurance?

Your car insurance will not cover tire damage if it is caused by:

  • Poor road conditions (including hard or uneven surfaces and debris/glass pieces on the road)
  • Puncture
  • Regular wear and tear

How to Get My Tires Insured?

If you want broad coverage for your tires beyond what your basic car insurance policy provides, you can leverage the following options:

Road Hazard Protection

Local auto service centers provide you with road hazard protection when you buy tires. Depending on the type of road hazard protection they offer, you can get assistance and coverage for tires that are damaged by nails, glass, metals, or other debris on the road.

However, road hazard protection only covers tires for some miles or that have some amount of tread remaining. Make sure to read the protection plan carefully to be aware of its terms and conditions, which vary for each plan.

Generally, hazard protection plans cost around $15-$30 per tire. While some plans demand a flat fee, others charge some percentage of the tire’s cost, depending on the dealers. Some dealers may offer it free of cost too.

Tire and Wheel Protection

Car dealership companies offer tire and wheel protection when you buy a vehicle. Tire and wheel protection can also be purchased from vehicle service contractors and automotive retailers. While offering the same coverage for tires as road hazard protection, it pays for repairing or replacing wheels and sensors.

Tire and wheel protection plans also cover:

  • Towing expenses and transportation costs (for a nominal fee when your tires/wheels are being repaired)
  • Cosmetic and curb damage

Some plans may restrict mileage and maximum lifetime benefits, so ensure to read the terms and conditions of your plan to understand what is covered and what is not.

Protect Your Car On and Off-Road with Kneller Insurance Agency

Whether you are looking for a standard car insurance policy or comprehensive coverage customized for your needs, contact our insurance professionals today at Kneller Insurance Agency. We look forward to insuring your car to help you stay covered at every turn.

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