Almost all of us, with very few exceptions, have found ourselves having to deal with damage to a tire, be it a puncture, a cut or even a tire that has been damaged in an accident.
Faced with such a situation, it makes sense to wonder if this type of damage is covered by car insurance.
The answer is that whether the insurance will cover the damage depends on the circumstances.Our certified underwriters are here to explain when and how your insurance policy will cover tire damage in various situations.
Flat tire will insurance cover it?
Many people are under the impression that insurance only covers certain types of tire damage, but this is not always the case. If your tires have been damaged due to vandalism for example and you have combined or fire/theft cover with vandalism cover on your insurance before the incident then you may be covered and reimbursed by the insurance company.
Whether it's one tire or all of your tires, coverage may be available as long as the damage exceeds the deductible amount you've agreed with your insurance company. If, for example, you have an exemption of €300 in your vandalism coverage and the damage is €200, then the cost will be borne entirely by you.
What happens to the tires in the event of an accident?
Accidents can embarrass you, and worrying about what your insurance covers is something you don't need. If you've suffered tire damage after a collision, you'll be relieved to know that the damage will almost certainly be covered, as long as you're not at fault - just like any other damage to your vehicle.
If you crash through your own fault then any damage to your vehicle will not be covered if you have basic insurance or even a fire/theft package.
On the contrary, in the case of mixed insurance the damages will be covered even if the responsibility of the accident falls on you!
Will my insurance cover a flat tire?
Surely, you've found yourself thinking, “No problem, my insurance will take care of the flat tire!”. And yet, the reality is different.
If the damage is not due to an accident or a cause covered by your policy, then the insurance will not cover the repair.
It's true that this can be frustrating, but it's important to understand how your insurance policy works in specific tire damage situations. So when you are faced with a flat tire, it may be better to call a tow truck for help or visit the nearest tire repair shop.
Here we should emphasize how important roadside assistance coverage is that you should definitely have on your insurance policy.
This coverage is very economical (only €10 / six months) and offers you immediate help in cases such as a flat tire that needs to be changed or the car towed to the nearest repair shop for replacement.
And what if the tire is damaged by a pothole?
Since insurance coverage varies from company to company, coverage for such damages is not always a given. You should refer to your policy and contact your insurance company to clarify coverage in cases such as damage from potholes or other road defects so that you are always prepared.
Usually in these cases the compensation is paid by the municipality or the district that has responsibility for the specific part of the road.
In order to be compensated for damages caused by a pothole or other road defect, you should call the police on the spot to record the incident and have a copy of this sheet in order to claim the money from your municipality.
Now that you've learned if and when car insurance covers damage from a flat tire, it's time to compare more than 29 insurance companies with 1 click, from your mobile phone, and find the best deal for your car!
You see prices and offers from the biggest insurance companies and get insured online in just 1 minute with the best and cheapest coverages, such as the necessary roadside assistance!