Is Tire Damage Covered By Your Car Insurance?

Tire damage can be a costly unexpected expense for car owners, and it can also make cars unsafe. Understanding your car insurance coverage is an important step in protecting yourself from the financial burden of tire damage. Here are five things you should know about tire damage coverage:

1. Regular Wear and Tear is Not Covered:

Most car insurance policies will not cover regular wear and tear on tires. If your tires are worn down due to normal usage, you’ll need to replace them at your own expense.

2. Road Hazards Are Covered By Some Policies:

Some auto insurance policies offer coverage for road hazards such as potholes, nails, glass, or debris that can damage tires. If you have this kind of coverage, contact your insurer to find out what type of tire damage is covered and how much compensation you might get for a replacement.

3. Comprehensive Coverage May Provide Tire Damage Protection:

Comprehensive car insurance policies typically offer some protection against tire damage due to vandalism, theft, fire, or other non-accident causes. Depending on the policy, you may be able to get full or partial reimbursement for tire repairs or replacements.

4. Replacing Damaged Tires Can Be Costly:

If your tires are not covered by insurance, replacing them can be expensive. High-performance tires and larger wheels can cost hundreds of dollars each—and more if they’re specialty tires. Be sure to shop around for the best deals and consider buying used tires to save money.

5. Proper Maintenance Can Help Prevent Tire Damage:

No matter what kind of insurance coverage you have, proper maintenance is key to preventing tire damage in the first place. Check your tires regularly for signs of wear and tear, keep them properly inflated, rotate them when recommended by your vehicle’s manufacturer, and have them balanced if necessary.

By understanding your car insurance coverage and taking the steps to properly maintain your tires, you can protect yourself from the costly expense of tire damage. Knowing what kind of coverage is available can help you prepare for unexpected expenses so that you don’t end up with an unpleasant surprise down the road.