Does Insurance Cover Tire Damage?

​Tires are essential parts of your vehicle. It supports the car's load, brake forces, changing directions, transmitting tractions, and even absorbing road shocks. That's why it's important to take care of and maintain your car tires. 

If your car insurance has comprehensive collision coverage, they likely cover your tires. But first, let's define these two coverages. 

Collision Insurance
Collision Insurance covers the repair and replacement caused by unexpected events. Suppose your car tire needs fixing or changing because of a crash with another vehicle, object, or car accident involving falling over. In that case, collision coverage helps you with the expenses.

Your collision coverage does not cover your disbursement if the damage did not happen while driving, theft, being at fault for the car accident, or medical bills.

Comprehensive Insurance
Comprehensive Insurance is also called "Other Than Collision Insurance." Comprehensive coverage will cover what the collision coverage does not cover as long as a crash does not cause it. Examples of these are theft, vandalism, fire, natural calamities, falling objects, damage caused by animals, or civil disturbance.

The comprehensive coverage does not insure damage to your car by accident, damage you caused to another person's vehicle, and medical expenses in certain situations.

Incidents That Can Damage Your Car Tires
Tire Damage Caused By Potholes
It is undeniable that potholes along the road can lead to damaged tires like misalignments, shredded tires, and dented rims. If your auto insurance has collision coverage, it will help you pay for your car tire repair or replacement. 

Slashed Or Stolen Tires
Comprehensive coverage helps you with your car expenses if a collision does not cause it. So whether a kid or an animal slit your tire or some thief stole it, your auto insurance can help you as long as it has comprehensive coverage. 

Wear And Tear Tire
Usually, car insurance does not cover the costs of wear-and-tear tires. But in some cases and states, they can file it as damage caused by potholes in a road maintained by the government. 

Flat Tires
Your auto insurance does not cover flat tires, regardless if you have comprehensive or collision coverage, even if it is caused by a sharp object or a random person.

Conclusion
Auto insurance has two types of coverage, namely, comprehensive and collision. These two coverages help you pay when unexpected incidents happen to your tires, such as damaged tires caused by potholes, slashed or stolen tires, and wear and tear tires. The insurance provider does not cover flat tires.

At Robinsons Insurance Agency LLC, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (888) 254-7350. You can request a free quote by CLICKING HERE. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.