Can I Claim Insurance for a Flat Tire?

[MacDavid]

Car insurance does not cover tire damage. Since car tires are considered consumable items, insurance companies typically do not provide separate compensation for them. However, if another vehicle damages your tire, you may file a claim under the third-party liability insurance of the at-fault party. Article 10, Clause 4 of the Automobile Insurance Regulations states: 'The insurer shall not be liable for compensation for separate wheel damage, separate glass breakage, body scratches without obvious collision marks, or loss of newly installed equipment.' When a car tire approaches its wear indicator, it should be replaced promptly. All tire brands feature wear indicators at the base of the tread grooves. For standard passenger car tires, the wear indicator height is 1.6mm, which is also the legally mandated minimum groove depth. For heavy-duty tires, the wear indicator height is 2.4mm. To ensure optimal tire performance, regular wheel alignment and tire rotation are essential—these should be performed every 10,000 kilometers. Additionally, frequently check tire pressure: overinflated tires significantly reduce tire lifespan, while underinflated tires can impair braking performance and cause steering difficulties or heaviness.