Flat tires are covered by comprehensive insurance. however, comprehensive insurance is optional, which means you must have added this type of coverage to your policy in order for your insurer to pay for the replacement of broken tires.
Also, keep in mind that comprehensive insurance includes a deductible, which is the amount you must pay before your insurance kicks in to cover the cost of replacement. Unless the cost to replace your flat tires is several hundred dollars more than your deductible, there’s no point in filing a claim.
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For example, if you have two flat tires and each cost $175 to replace, your total claim would be $350. if you have a full $500 deductible, you’ll end up paying to replace it anyway because the deductible amount exceeds the repair cost.
does car insurance cover flat tires and replace them with new ones?
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Your comprehensive insurance will cover new tires, but your insurance company may only pay the depreciated value of tires that were cut. therefore, the bottom line is that you get new tires, but your insurer only pays the amount of what it would have cost to replace them with tires with the same wear.
Usually you cannot receive “upgrades” due to an auto insurance claim. the intent of the insurance policy is to return things to the way they were before the loss or damage occurred. sometimes when items are repaired or replaced, the policyholder will end up with something that is better than it was before the loss. this is defined as enhancement.
Returning your vehicle to the way it was before the tires were slashed would technically mean replacing the tires with ones with the same mileage and wear, or returning the vehicle to its condition before the damage occurred. but it’s doubtful you’d want used tires as a replacement.
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What this means is that the insurance company will likely take into account the mileage and wear on the tires that were cut and may require you to pay the difference between what they were worth and the price of the new tires. so you get the depreciated value of the tire instead of the cost of new tires many times with insurance providers when you make this type of claim.
The good news is that comprehensive insurance is very affordable, only about $190 a year, according to a rate analysis from carinsurance.com. And, in addition to covering broken tires, comprehensive insurance also pays, up to the actual cash value of your vehicle, to replace it if it’s stolen and pays for damage caused by collisions with animals, floods, fires, hail and vandalism.
Does insurance cover three flat tires?
yes, your comprehensive coverage will cover three broken tires or any number of broken tires, whether it’s one or four. It’s a popular misconception that insurance companies won’t cover three slashed tires, which would have to be all four for the car owner to file a claim. but that’s not true.
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