Can Tire Damage Be Claimed on Insurance?
2 Answers
Tire damage alone cannot be claimed under vehicle damage insurance. However, if the tire damage is caused by a vehicle accident, it can be claimed under vehicle damage insurance. Here is a detailed introduction about tires: Functions of Tires: Tires support the entire weight of the vehicle, bear the load of the car, transmit traction and braking torque, ensure the adhesion between the wheels and the road surface, reduce and absorb vibrations and impacts during driving, prevent severe vibrations and early damage to vehicle components, adapt to the high-speed performance of the vehicle, reduce driving noise, and ensure driving safety, handling stability, comfort, and fuel economy. Tire Maintenance Methods: Tire maintenance methods include regularly cleaning stones from tire treads, minimizing exposure to direct sunlight, frequently checking tire pressure, paying attention to suspension maintenance, regularly inspecting front wheel alignment, and being mindful of driving habits.
I've been driving for decades and have encountered many tire-related issues. Let me get straight to the point: In most cases, insurance doesn't cover standalone tire damage. For example, if you run over a nail on the road or the sidewall gets scraped, insurance companies consider these normal wear and tear, just like oil changes during maintenance - you'll have to pay out of pocket. Last year, my tire sidewall was torn by a curb stone, and the claims adjuster clearly stated it wasn't covered under the auto damage insurance. However, it's different if the tire is damaged in a car accident. Two years ago, when I rear-ended someone causing wheel rim deformation that led to tire failure, it was fully covered. There's also a special case - if the entire car is stolen and the tires are missing, the theft insurance will cover it. I suggest you check the exclusions section of your policy - it clearly states 'standalone tire damage not covered'.
