When you notice that someone has slashed your tires, you’re ready to go. So, does insurance cover flattened tires? If you have comprehensive coverage, then yes, your insurance will cover damaged or destroyed tires. It makes no difference how many tires are damaged or destroyed.
But, whether or not you should file an insurance claim is another question. Continue reading to learn all about tire damage claims, then go ahead and have a look at our list of the best car insurance companies to get you started.
Does Insurance Cover Slashed Tires?
Yes, slashed tires and damaged tires may be covered by comprehensive insurance and collision insurance, depending on the circumstances.
If your tires have been damaged, the first step is determining whether you are covered by your car insurance company. This all relies on the type of insurance coverage provided in your vehicle’s policy, as well as how the tires were damaged.
Different Policies Cover Slashed Tires, Here’s What You Need To Know
Minimum liability automobile insurance, also referred to as basic vehicle insurance, does not cover flattened tires.
Damage or losses that resulted from an accident you caused are covered by bodily injury and property damage liability insurance.
Vandalism or even poor road conditions can lead to slashed tires. Because the damage was not inflicted by another motorist, liability will not cover it in the event of slashed tires.
Consider the following topics while reading on to learn more about insurance rates for slashed tires:
- Was your car damaged by a person with a sharp object?
- Did you hit or go over something that caused damage to your car?
- Did your tires become damaged by something that was not their fault?
Ready to get started?
We’ve got you covered.
How Insurance Can Cover Slashed Tires
Most auto insurance policies allow you to use either comprehensive coverage or collision coverage to pay for the damage depending on the reason.
It does not matter how many tires you have had slashed. It will cover one to four (or more) tires if the cost of your car insurance deductible is less than the cost of replacing all of them.
Comprehensive Policies Cover Acts Of Vandalism
Comprehensive auto insurance protects your car from being damaged as a result of something other than a collision. Things like fire, severe weather, collisions with animals, theft, and vandalism are all covered under comprehensive vehicle insurance. Slashing tires is considered vandalism.
It is important to remember that most insurance companies reimburse you for the cost of restoration to the pre-accident condition of your automobile. The insurer will deduct a amount from the value of your vehicle to compensate for the miles your tires had before they were damaged. You will get new tires, but you may be required to pay for a portion of the cost.
Collision Policies Cover Potholes Or Other Non-Natural Damage
Collision insurance covers you and your vehicle if you’re in a collision with another car or an object. As a result, this form of coverage might cover tire damage caused by driving over potholes or road spikes.
It’s also a good idea to double-check with your car insurance provider to be sure your collision coverage covers flat tires.
Should you file a claim for slashed tires?
If your tires have been slashed, it might be tough to know what to do first. However, after vandalism, keep track of as many details about the incident as possible in order to report them to local authorities.
It is possible that using your insurance coverage for new tires will be in your best interests.
First and foremost, your comprehensive or collision deductible must be low enough to make filing a claim worthwhile. If your comprehensive deductible is $500, your insurance may not cover inexpensive tires.
If your comprehensive auto insurance covers a portion of the expense, expect to see your rates rise for the next three years. Even if you don’t have a policy, your medical bills will be covered by Medicare after age 65. However, unless you maintain excellent health, another car accident might cost more in the long run than whatever amount Medicare paid for.
In general, only having your insurance cover tires if the tires are of high value seems to be a good idea.
If you have been a victim of a crime, call the police right away.
If you want to report an accident, you should file a police report, whether or not you intend to claim insurance. To make a vandalism claim, insurance companies may demand that you submit a police report as well.
In addition to the fine you were sentenced, if your plan is still in force, any insurance provider that covers you may be held responsible for covering the automotive damage.
If you file an insurance claim, make sure that the information is accurate.
If you have damage, keep photographs of it and write down details about the incident, such as where your vehicle was parked and when the accident occurred. You may usually call your insurance company’s customer service line or fill out an online form to report a claim.
When you have a flat tire in your vehicle, it’s vital that you provide accurate information to the insurance adjuster so they can properly investigate your claim. An appraiser will come out to inspect your car and confirm that the tires were slashed once you submit a request. Their duty is to ensure that this isn’t an instance of insurance fraud.
Comprehensive insurance may cover the cost of damaged tires caused by vandals. If you make a claim, it’s vital to be careful since if the tires weren’t actually slashed, it could be refused.
You should tell the insurance agent about when your tires were slashed and how they were slashed.
Does Roadside Assistance Cover Slashed Tires?
In the event of a tire failure or a blowout, roadside assistance may be beneficial. If you have a flat or have a tire break on the highway, roadside assistance will send someone to tow your car or help you replace your damaged tire with a new one.
Check to see if your auto insurance company or the manufacturer offers roadside assistance.
Do Road Hazard Protection Plans Cover Slashed Tires?
Does the insurance policy you have cover tire damage in addition to potholes and road spikes? In most situations, no. Dealerships, vehicle manufacturers, and extended warranty providers, on the other hand, provide road hazard protection packages that can cover certain kinds of tire failures. Usually, these apply only to threats such as drunk drivers and slashed tires.