- Does Insurance Cover Slashed Tires
- Car Insurance Questions Answered: Does Car Insurance Cover Vandalism?
- Does Auto Insurance Cover Slashed Tires?
- Can Your Auto Insurance Replace Your Tires?
Does Insurance Cover Slashed Tires – Does insurance cover flat tires? This depends on what type of insurance cover you have and your provider’s specific rules regarding such a situation.
If you’re leaving work or running errands and find your tires are slashed, the first thing you should do is find out if your insurance policy will cover your damaged tires. If you only have liability coverage, then your insurance won’t pay for the tires. As CarInsurance.com points out, liability insurance only covers damage or injury as a result of an accident for which you are at fault. Because slashed tires are usually the result of deliberate acts of vandalism and, in some cases, poorly maintained roads, they are not covered by liability insurance.
Does Insurance Cover Slashed Tires
CarInsurance.com also notes that comprehensive insurance will cover your flat tires. However, you should already have a comprehensive policy, and many drivers do not because it is an optional policy that is not required by law. Note that if you have comprehensive coverage and file a claim, you must pay a deductible. If replacing your tires costs less than your deductible, there is no point in filing a claim.
Car Insurance Questions Answered: Does Car Insurance Cover Vandalism?
Let’s say two of your tires are flat and it will cost $350 to replace them. If your deductible is $500, you will end up paying for the replacement because your deductible exceeds the cost of the repair. Also, most insurance companies will only pay the depreciated value of the tires. This means that if your insurance covers your new tires, they will have to cost less than what you paid for your damaged tires.
The purpose of insurance is to get your car back to the way it was, whether it was before you were in an accident or before your tires were flat. To get your tires back to the way they were before they were vandalized, your insurance company will take into account how much mileage you put on your tires plus wear and tear. So the money you get from your insurance company would actually pay for a used set of tires instead of a new set of tires.
If you’re still wondering whether you should file a claim if your tires are flat, keep in mind that your insurance provider will take into account the cause of the damage. As CarInsuranceCompanies.com notes, depending on how the damage was caused, you can use your comprehensive or collision damage coverage to pay for your tires.
When you inform your auto insurance company that your tires have been slashed, they will want to know how they were slashed. If you don’t know, it’s more than likely a random act of vandalism. Your insurance company will want to investigate. According to CarInsuranceCompanies.com, other reasons include:
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AutoInsurance.org points out that since comprehensive insurance covers damage caused by riots or vandalism (by accident or by someone you know), your comprehensive insurance will cover your tires. If you have a low deductible, it shouldn’t cost too much out of pocket to replace your tires. Remember, lower deductibles come with higher premiums.
If you have collision insurance and you damage your tires by going over a spike or hitting a pothole, your collision coverage will likely cover the damage. Check with your supplier whether your policy covers damaged tyres. What the specific policy will cover can vary by company.
According to Progressive, if you want even more protection for your tires, consider purchasing a tire protection plan from your local tire dealer. A typical protection plan covers wear and tear for a certain number of years or miles. It also covers damage caused by nails and other road hazards. You can shop around for a tire protection plan to ensure you get one that provides adequate protection at a reasonable price.
If you have custom wheels or rims, you may want to purchase Custom Parts and Equipment Coverage (CPE) from your insurance provider. CPE will replace your custom wheels or rims if they are damaged in an accident. Progressive offers a CPE plan that will cover your custom wheels up to $5,000.
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If your tires are flat and you decide to make a claim, it’s important to stay calm and focused. AutoInsurance.org suggests you take the following steps:
Keep in mind that as CarInsuranceCompanies.com points out, your insurance company will deny your claim if the appraiser determines:
Your insurance company’s adjusters are experts at determining whether someone slashed your tires or something else happened, so be honest and accurate when filing a claim.
Hearst Autos Research, produced independently of Car and Driver Editorial, provides articles about cars and the auto industry to help readers make informed buying choices.
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You do everything you can to protect your car by driving safely and paying your insurance premiums on time. However, unexpected problems such as vandalism can arise and drivers begin to wonder what kind of protection their insurance can offer.
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Today we’re going to shed some light on a question that’s often asked and often (wrongly) answered: will insurance cover 3 flat tires?
Read on for our insurance guide that will reveal the truth behind car insurance and flat tires.
First, let’s talk about what standard auto insurance covers. Keep in mind that almost every state requires at least some auto insurance coverage (also known as mandatory coverage) for all licensed drivers who own a vehicle. If you don’t have car insurance, it’s time to find a policy.
Standard auto insurance usually includes property, liability and medical coverage. Property insurance can cover certain types of damage caused to another car, as well as the cost of the car if it is stolen. Property insurance can also cover any costs incurred if your car damages someone else’s property, such as buildings or fences.
Does Auto Insurance Cover Slashed Tires?
Liability and medical coverage are designed to protect you if you are involved in a car accident by covering the costs involved. While both are important, they do not apply to a situation like vandalism.
As we said earlier, property insurance covers certain types of damage. Does that include 3 slashed tires?
Simply put, most standard car insurance policies will not cover the cost of 3 flat tires. However, this is not the reason many people think.
A popular myth is that your insurance provider will cover the cost of 4 flat tires but not 3. If you think that sounds a little silly, you’re right. If your auto insurance provider covers the cost of flat tires, they will not limit coverage based on the number of flat tires.
Can Your Auto Insurance Replace Your Tires?
However, you probably won’t have coverage for this particular problem (or anything related to vandalism) unless you purchase additional auto insurance policies. Common auto insurance policies that car owners choose to purchase include comprehensive and collision coverage.
Comprehensive coverage is an additional insurance policy that covers a wide variety of damages that can be caused to your vehicle. This is different from the property insurance included in standard car insurance policies because property insurance is designed to pay for damage to other cars in an accident, not your own.
To be more specific, comprehensive coverage will cover damage caused by non-accident issues. For example, if a tree falls on your car during a storm, you can use comprehensive coverage to pay for some or all of the related repairs.
Good news for anyone worried about vandalism: comprehensive coverage also covers damage caused by vandals, rioters and more. If you have comprehensive coverage, this means you can probably file a claim for 3 flat tires.
Understanding Tire Warranties
As the name suggests, collision coverage covers damage caused in collisions. This includes accidents with other cars, but it doesn’t stop there.
Let’s say you swerve to avoid an accident and hit a pole, causing serious damage to your bumper. You can probably pay for the repairs by filing a claim through your collision coverage provider.
Can collision coverage cover 3 slashed tires? It’s possible, but only if your tires are flat as a result of a collision.
There are other ways your tires can become unusable that don’t involve vandalism. What other types of tire damage does your auto insurance cover?
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Note that no form of insurance will cover tire damage caused by negligence or regular use. For example, you won’t get coverage for flat tires or tires worn out from use, even if you have additional car insurance policies.
A comprehensive list of what your additional insurance policies may cover.
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