Does Car Insurance Cover Tire Slashing?

  • Tire Slashing

If someone slashed your tires, you might be wondering whether or not the insurance company will cover it. We have both good news and bad news to tell you about this. An insurance company will almost definitely cover you if you happen to have your tires slashed. However, it isn’t always worth making an insurance claim if your tires happen to be slashed. The main reason for this is because you still must pay an insurance deductible in order to make a claim.

Why should I not claim my slashed tires?

slashed tires

The main reason why you may not want to claim your slashed tires is due to the fact that you are likely going to be paying more money if you make a claim. If you only have a few tires slashed, it might only cost you a few hundred dollars for a new set of tires. To make any claim, you’re likely going to have a deductible that is at least as high. In some cases, the insurance deductible might be what worth more than the tires themselves. It is extremely unfortunate, but it might not be worth claiming your slashed tires in every case. If you have expensive tires or the person happen to break your rims at the same time, then maybe it would be worth making a claim for. However, you’re definitely going to need to keep the amount of your insurance deductible in mind.

Fair compensation

Insurance policies are intended to fix your car up to the way they were before the damage occurred. However, when things are already damaged, the insurance company does not have to attempt to increase the quality. In other words, if you had tires with a whole bunch of miles on them, your insurance company could just buy you a set of used tires. Keep in mind, you usually want your tires to be the same level of tread. If you only have one tire slashed, you will have to replace the other tire anyways. Unfortunately, An insurance company only replaces what is damaged and your other tires might not have any damage done to them. Fair compensation when it comes to tire slashing may not seem fair at all. However, tires aren’t nearly as expensive as most other car repairs, which is good for you.

How do I make a claim?

The first step is to submit up police report to your local police station. Slashing tires is a misdemeanor offense and charges will be laid if the offender is found guilty. Your insurance company is the next person that you should contact. They will likely require a police report and any other evidence that you have. If this just happened to you, it is a good idea to take pictures, document the current time, your whereabouts, any witnesses, and their phone numbers, addresses etc.  Since this was a criminal action, an investigation is likely going to have to take place. It may take a little bit of time before you receive compensation for your tires, but the faster you get in touch with your insurance company, the faster you are likely to receive compensation.

Does Insurance cover flat tires?

flat tires

Some insurance companies actually offer a package called roadside assistance. This package might not pay for a flat tire or for purchasing a new tire. What it will do though, is ensure that your vehicle will be towed to a local shop if you break down. If you just have a hole in your tire as a result of a nail or a screw, then you can likely pay for a patch job. Patching tires up is usually extremely inexpensive. Patches are almost always much cheaper than making any kind of an insurance claim. Roadside assistance packages are also there to help you for other issues you might encounter on the road. Things, like running out of gas, locking your doors by accident, a breakdown, or getting you out of the ditch, are all things that a roadside assistance package can help with.

What about damages caused by the blowout?

Damages caused from your tire blowing are a completely different story than your tire itself. If your tire blows and you happen to get into a serious accident, you should be eligible for coverage. The amount of coverage you receive really depends on what your insurance policy is. However, if you get into a collision or your tires pop and damage your vehicle as a result of something out of your control, you should receive compensation. The only way you might not receive compensation is if you like your tire tread get to dangerous levels. If this is the case, your insurance company may deem that your accident was a result of improper maintenance. If this is the case, you’re likely not going to receive any compensation for your accident.

My tires were stolen

tires

One thing that you might have a hard time with, is making a claim on stolen tires. Unless your tires are aftermarket and you have a receipt for them, it is going to be hard to determine the value. It is important to keep in mind, you’re going to have to pay a deductible. This essentially means, your tires must be worth more than your deductible for it to be worth it for you. It’s also important to keep in mind, you might have higher insurance premiums if you make a claim on your stolen tires. If you own expensive tires, making a claim of them could be entirely worth it. Especially, if you don’t have the money to buy new ones.

To Conclude

Although having your tires slashed is not something that you ever want to have happened to you, it definitely can happen. There may not be coverage options that protect you very well in the event you get your tires slashed. However, if you want to make a claim to repair your tires or replace them, then you can. It isn’t necessarily recommended. To get brand-new tires, you might have to pay the difference in price to your insurance company, but at least you now know what will happen if you make this kind of a claim.

Resources:

http://www.carinsurance.com/does-insurance-cover-slashed-tires.aspx

http://www.thetruthaboutinsurance.com/frequently-asked-questions-about-tires-and-car-insurance/