Whether you opt to park in a safer part of town, take the street with fewer potholes, or religiously rotate your tires — many of us take steps to avoid damage to our ride's wheels. But since most tire mishaps are unavoidable (and unpreventable), you can gain peace of mind knowing whether or not your auto insurance covers damaged tires.
ways your auto policy can help pay for damaged tires
Your ride's tires can stand up to a lot of roadway hazards. But even top-of-the-line wheels may struggle to survive a knife slashing by vandals or a crater-like pothole.
Depending on the coverage you carry on your policy, your auto insurance could help pay to repair or replace your tires after they've been cut up, stolen, or otherwise damaged.
Comprehensive coverage: for stolen and vandalized tires
Usually an optional coverage unless required by a loan or leasing company, comprehensive coverage can help pay for slashed or stolen tires, offering you additional financial protection if you ever need to make a claim.
When you add comprehensive to your policy, you'll choose a deductible, which is the out-of-pocket cost you agree to pay when you make a claim before your car insurance company pays for any damages. The higher the deductible you choose, the lower your monthly premium — but the more you're financially responsible for if you file a claim.
Many people choose a lower comprehensive deductible (or no deductible at all) so that mishaps like slashed or stolen tires, broken glass, and more aren't too expensive. Just keep in mind that lower deductibles generally spell higher monthly premiums (but can also offer greater peace of mind too!).
And if you don't carry comprehensive coverage on your car insurance policy, chances are you'll be responsible for replacing your tires out of pocket if they get stolen or vandalized. If you're an Esurance customer, you can add comprehensive to your policy at virtually any time.
Collision coverage: for tires damaged by potholes
Live in an area with some pretty dinged-up roadways? No matter how many times you slow down or stop when you spot potholes, they're bound to do some damage after repeated run-ins — from dented rims to misalignment, and worse.
Drivers with collision coverage on their auto insurance could be covered if their tires are damaged by potholes, depending on the provisions of their individual policies. Always make sure to check in with your insurer about what you're specifically covered (and not covered) for.
In some states, you can file a claim with the appropriate state department for tire damages suffered due to potholes and rough road conditions on government-maintained streets. The requirements for filing a claim differ from state to state, so it's a good idea to check your local laws to see how you could be protected.
does car insurance cover tire wear and tear?
In short, no. If you experience a flat tire because you run over a sharp object or drive on worn tires, for instance, your auto policy generally won't cover repairs due to regular wear and tear.
However, additional coverages like emergency road service coverage can at least make sure you're not stuck in the middle of nowhere if you're left marooned by slashed, flat, or otherwise damaged tires.
If you're already an Esurance policyholder and have any questions about your coverages, feel free to give us a ring at 1-800-ESURANCE (1-800-378-7262). We're available at these times.
And if you don't already know all the ways you could save time, money, and hassle with an Esurance policy, make sure to get a personalized quote online.
How to buy new tires
If you need to replace your ride's tires on your own, here's a helpful guide on how to purchase ones that are safe, reliable, and affordable.
How to take care of your tires
Without them, you wouldn't be able to get from A to B — so check out these handy pointers on how to take care of your tires.
More about car insurance
Looking for another insurance product?