Does Auto Insurance Cover Tires?

No matter how well you take care of your tires, serious damage can still occur due to unpreventable and unavoidable mishaps. A new tire can cost up to $1000, depending on the brand and quality. Therefore, you may want to have coverage for your vehicle's tires. https://www.mosleyagency.com/automobile/default.aspx Read this article to learn more about whether auto insurance covers tires.

Does Auto Insurance Cover Vandalized or Stolen Tires?

Comprehensive coverage can help cover the cost of repairing or replacing vandalized or stolen tires. The amount of financial protection you will enjoy will largely depend on the deductible, which refers to the amount of money that you must pay out-of-pocket before the insurance will kick in.

If your deductible is not low enough, you may end up having to pay for the cost of replacing or repairing the tire out-of-pocket. The reason for this is that tires typically cost no more than $300 or $400 to replace. This is particularly true if only one tire is slashed or stolen. You can always choose to have a low deductible or no deductible at all to limit your out-of-pocket costs. However, a lower deductible will generally lead to a higher monthly premium.

Does Car Insurance Cover Wear and Tear? 

In general, auto insurance will not cover regular wear and tear. If a tire goes flat due to being worn or driven over a sharp object, your auto policy probably will not cover the cost of the repairs. However, you can get emergency road service coverage, so that your auto policy covers the cost of emergency road services if you are forced to pull over due to a flat tire.

If you have collision coverage, damage to your tires caused by potholes could be covered. As you can imagine, this can come in handy if you happen to live in an area with roads that are not well-maintained. Potholes can cause a significant amount of damage to tires, such as misalignment or dents. It is important to read the fine print when it comes to your individual policy because not all drivers with collision coverage have coverage for damage to tires due to potholes.

Even if you have high-quality tires, they can still end up incurring serious damage from potholes or vandalism. Therefore, you may want to have car insurance that covers your tires. For more information about whether car insurance covers tires, don't hesitate to contact us.