Is tire damage covered by auto insurance?

Tire damage is covered by car insurance under certain circumstances and depending on your coverage. Here are some scenarios in which tire damage is covered:

  • Accidents: If your car is involved in a collision with another vehicle or an object, and your tires get damaged, the cost of repairing or replacing the tires is covered under collision coverage.
  • Vandalism and theft: If someone intentionally damages your tires, such as slashing them, or if your tires are stolen, the replacement cost is generally covered under comprehensive coverage.
  • Natural disasters: If your tires are damaged due to a covered natural disaster, such as a hurricane, tornado, or hailstorm, comprehensive coverage will typically pay for the repairs or replacement.

Does car insurance cover slashed tires?

Yes, car insurance covers slashed tires if it results from a covered event specified in your policy. Slashed tires are generally considered a form of vandalism, and vandalism is covered under comprehensive insurance coverage.

Comprehensive coverage protects against non-collision incidents, including theft, vandalism, fire, natural disasters, etc. Slashed tires would fall under the category of vandalism, and your insurance should provide coverage for repairing or replacing the damaged tires up to the limits of your policy.

Does car insurance cover stolen tires?

Yes, car insurance covers stolen tires if included in your comprehensive coverage. It protects against theft and other non-collision incidents. Make sure to review your policy for coverage details.

Does car insurance cover tire damage from potholes?

If you have comprehensive or collision coverage, car insurance may cover tire damage from potholes. However, coverage may vary depending on your policy and the circumstances. Check your policy or contact your insurance company for more information.

Does car insurance cover flat tires?

Car insurance policies generally do not cover repairing or replacing a flat tire unless it results from an accident. However, several insurance providers offer roadside assistance coverage that includes professional assistance to change your flat tire and get you back on the road. 

How often do I have to replace my tires?

How often you should replace your car tires depends on various factors, including driving habits, road conditions, and tire quality. On average, tires should be replaced every 3-6 years or between 36,000-75,000 miles. But regardless of how your tires look, they should not be used for more than ten years.

Final thoughts

Standard auto insurance policies do not typically cover tire damage caused by wear and tear or punctures. However, there are certain scenarios where car insurance may cover tire damage. For instance, if your tires are damaged due to a covered accident or your comprehensive coverage includes coverage for tire damage due to vandalism or theft.