Does insurance cover tire damage?
Last updated: December 2021
Avoiding potholes when possible and regularly rotating your tires are examples of ways you can help protect your wheels and tires. Many tire mishaps are unavoidable and unpreventable. Find out whether or not your auto insurance covers damaged tires.
Does insurance cover tire damage from potholes?
Potholes and rough road conditions can damage tires and result in dented rims, misalignment, shredded tires. Depending on your coverage, your car insurance could help pay to repair or replace your tires after they've been damaged. Drivers with collision coverage on their auto insurance may be covered if their tires are damaged by potholes. Individual coverage can vary by policy. Check your insurance policy to find out what yours covers.
Does insurance cover slashed or stolen tires?
If your tires are slashed or stolen, comprehensive coverage could help repair or replace them. This is an option to provide coverage if your vehicle is damaged in certain non-crash situations, such as vandalism and theft. If you don't carry comprehensive coverage on your car insurance policy, chances are you'll be responsible for replacing your tires if they get stolen or vandalized. Check your insurance policy to see if you have comprehensive coverage.
Does car insurance cover tire wear and tear?
Car insurance policies typically do not cover costs for wear and tear. In some states you may be able to file a claim for tire damage due to potholes and rough road conditions on government-maintained streets. The requirements for filing a claim differ from state to state. Check your local laws to see how you could be protected.
Does insurance cover flat tires?
In short, no. For example, if you get a flat tire because you run over a sharp object or drive on worn tires, your auto policy won't cover repairs.
Additional options like roadside assistance can provide help if you experience unexpected tire-related issues on the road.