Tire manufacturers employ cutting-edge technology to produce a product that can take a beating. They’re the only part of your car that’s in constant contact with the road, making a reputation for unreliability a likely death knell. Regardless of how well you take care of your tires, most tire mishaps are unpreventable and unavoidable. Luckily, in certain situations, your auto insurance policy could provide you with protection in the event your tires are damaged.
Wear and Tear
No matter what type of auto insurance policy you have, damage to your tires resulting from normal wear and tear won’t be covered. To replace old worn-out tires you’ll have to come out-of-pocket, but what your insurance can help you with is roadside assistance. When a tire pops and leaves you on the side of the road, emergency road service coverage can at least make sure you’re not stuck in the middle of nowhere.
If you’re going to opt for collision coverage, check the specifics of the policies and see which ones cover tire damage. Collision auto insurance policies will sometimes provide coverage for your tires in the event that they’re damaged from potholes in the street.
Comprehensive coverage is more or less optional unless required by a lender or car rental company. With comprehensive coverage, your tires can be covered in cases where they’re stolen, slashed, or damaged from debris like nails or broken glass. Comprehensive coverage has several different options, and you’ll need to decide just how much you’re willing to pay out-of-pocket before you buy auto insurance. The higher you’re willing to pay (your deductible) when you need to file a claim, the lower your premium will be. Conversely, it’s possible to get no deductible if you’re willing to pay a higher monthly premium.