Can insurance cover a punctured tire?
2 Answers
Tire punctures are considered normal wear and tear and cannot be claimed through insurance. Below are specific methods for tire maintenance: Regularly check tire pressure: Tire pressure is a crucial factor affecting tire lifespan. It should neither be too high nor too low; inflate according to the pressure indicated on the vehicle. In summer, try to keep the tire pressure slightly lower; in winter, ensure the tire pressure is slightly higher than in summer due to thermal expansion and contraction. Inspect wear patterns: Some vehicles may experience uneven tire wear. Frequently check the inner side of tires for abnormal wear, focusing on whether the tread depth is consistent on both sides. Remove foreign objects promptly: Debris in tire treads poses potential hazards and can be ejected while driving. Schedule regular wheel alignment: If the vehicle pulls to one side or exhibits unusual steering behavior, perform wheel alignment immediately to prevent further tire abnormalities. Wheel alignment ensures even force distribution across all four tires, preventing excessive wear.
To be honest, it's not easy to get insurance to pay for a punctured tire. I remember last year when I was driving on the highway, my right front tire suddenly lost air. When I got out, I found a screw stuck in it. I immediately called the insurance company, and the customer service rep said the basic car damage insurance only covers tire damage caused by collisions. A standalone puncture doesn't count as an accident, so it's not covered. Unless the entire car gets into an accident due to the puncture, causing damage to other parts, then you might be able to file a claim. I had no choice but to call a tow truck and take it to a repair shop to get the tire patched, which cost me just over 100 yuan. I recommend everyone regularly check tire pressure and tread wear. If the tires are too old, replace them to reduce the risk of punctures. Keep an air pump and tire repair kit in the car for emergencies—don't rely on insurance to bail you out.
