Are Tires Covered by Car Insurance?
2 Answers
In car insurance, tires are not covered. If severe damage occurs that requires major repairs to the vehicle, the insurance company will usually cover the cost of the tires, as the expense of replacing tires is typically included in the repair fees. Here is additional information: 1. Reason: In car insurance, if tire insurance is included, tires are among the auto parts with a higher probability of claims. Therefore, insurance companies classify tires as consumables—they do not cover losses due to tire blowouts. This has now become an unwritten rule in the car insurance industry. 2. Insurance Company Exclusions: Vehicles without license plates; vehicles that have not passed annual inspections; damages not incurred while the vehicle is in motion; stolen or damaged vehicles in parking lots; claims involving invalid driver's licenses.
Last time when my tires were badly worn, I called the insurance company to ask if they could cover the cost. They said normal wear and tear isn't included in the basic policy, only damage caused by accidents is covered. That time I had a flat tire on the road and initially thought it was an accident, but upon inspection, it turned out to be due to aging and wear, so I had to pay for new tires myself. From this incident, I learned that it's important to carefully read the fine print of insurance policies and not make assumptions. If the flat tire had occurred during a collision, like hitting a rock, then they would have covered it. I recommend car owners regularly check tire pressure and tread wear indicators, and investing in good quality tires can make them last longer. Always do your own inspections, and if something isn't covered, don't get frustrated—just replace it promptly to ensure safe driving.
