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Does Car Insurance Cover Tire Damage?

Published: December 2019

Car insurance may help pay to repair or replace damaged tires in some situations, depending on what caused the damage and what coverages you have on your policy. Here are some things to consider about car insurance and coverage for tires.

Closeup of a mechanic changing a car tire.

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Does Collision Coverage Protect Tires?

Collision coverage helps pay for damage that's caused by hitting another vehicle or object, such as a tree or a pothole. So, if you wind up with damaged tires and rims after unexpectedly hitting a pothole, collision coverage may help pay for repairs. Collision coverage typically comes with a deductible, so keep in mind you'll likely need to pay that amount before insurance begins to help cover the claim.

Does Comprehensive Coverage Protect Tires?

Comprehensive coverage helps pay for damage caused by risks other than a collision, such as falling objects, fire, theft or vandalism. If you have comprehensive coverage on your car insurance policy, it may help cover the cost of replacing your tires if someone slashes or steals your old ones. Keep in mind that you'll generally need to pay your deductible before comprehensive coverage will kick in.

It's important to remember that car insurance typically doesn't pay for maintenance-related costs, such as damage resulting from wear and tear. So, for example, if it's time to replace your tires because they are cracked or the treads are wearing out, you'll likely need to pay out of pocket for that expense.

Does Roadside Assistance Cover Tires?

If you've added a roadside assistance plan to your car insurance policy, it may help you get back on the road if a tire unexpectedly goes flat. Roadside assistance may send someone to remove your damaged tire and replace it with your spare, or tow your vehicle to a repair shop. It typically won't, however, cover the cost of buying a replacement tire. Read the terms of your roadside agreement so you understand what type of assistance it offers for damaged tires.

There are some steps you can take to help prevent a flat tire, but unexpected scenarios can still interrupt your travels. A local agent can help you review your car insurance coverages and options so you can make sure you have the protection that fits your needs.

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This content is for informational purposes only and may not be applicable to all situations.

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