Does Car Insurance Policy Cover Tire Damage?
Wondering what your coverage includes? You’re not alone.
Car insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. By driving carefully and carrying out regular maintenance, you’re actively protecting your tires. Damage, however, is often unavoidable and unexpected. The truth is, an adequate level of insurance coverage could help you out with damaged tires. Punctures, misalignment, shreds… insurance providers may be liable to repair or replace the tires you rely on each day alongside any roadside assistance or breakdown assistance.
Coverage, of course, depends on individual policies; review your car insurance documents to find out. Here you need to ask your agent if you are covered for the following;
Many standard types of automobile insurance coverage offer help when a crime was committed. This covers you for non-crash situations, such as damages from vandalism or theft. Double-check if you have comprehensive cover. If you don’t, then you will need to pay in full to replace your tires if stolen or intentionally destroyed.
Wear and tear
The majority of car insurance policies will not cover you when it comes to general wear and tear. To a certain degree, smooth roads are the responsibility of local or state authorities. If you encounter a pothole and receive tire damage as a result then you could file a claim against the government for failing to maintain safe conditions.
Typically, the majority of policy providers do not pay for the repair or replacement of flat tires, unless it occurred during a road accident. Thankfully, many insurance companies offer roadside assistance services that will get your tire changed safely. They’ll likely get you back on the road again in no time and pay back any costs that occur.
Want additional tire coverage? You may want to seek further coverage for tires; here are two options worth considering:
Road hazard protection
This level of protection can help you pay towards repairing or replacing your tires if they are damaged by objects on the road. Cover yourself for a set amount of money towards towing costs and transportation costs when your tires or wheels are being repaired. Policies vary in cost and coverage and are only valid for a set number of miles.
Tire and wheel protection
With the same benefits as road hazard protection, tire and wheel protection adds repairs or replacements for wheels and sensors. This could be a great option for anyone on the road for extended periods. Some plans will also cover you for cosmetic damage from scraping curbs. Be aware, some tire and wheel protection plans are limited by mileage while others aren’t.
Your insurance may help you out when you run into trouble with your tires; under certain circumstances, however, a claim may not be worthwhile. You may need to contribute a deductible before your insurer helps out. This deductible could be a significant amount thus making it pointless to ask for help from your insurance. In addition, reliance on your provider could raise your premiums… so be careful!
Find yourself in a tricky situation? AuXcar has you covered regardless of the route you take; a range of local automotive specialists are available thanks to this handy roadside companion.