Does insurance cover a punctured tire on a new car?
3 Answers
If a car tire is punctured due to the driver's own negligence, the insurance company will not compensate for the damage. This is because car tires fall under the coverage of vehicle damage insurance, but Article 10, Clause 4 of the 'China Insurance Association Motor Vehicle Commercial Insurance Model Clauses' stipulates that damage to car wheels alone is not covered by insurance. Tire Classification: Car tires can be categorized into more than 10 types based on their purpose, including passenger car tires, truck tires, and off-road tires. Structurally, they can be divided into radial tires, bias-ply tires, full-size spare tires, and non-full-size spare tires. Tire Characteristics: Car tires have different characteristics depending on their intended use. Passenger car tires offer higher comfort, while off-road tires provide better road passability. When selecting a car, it's important to consider the driving conditions to avoid choosing the wrong type of tire, which could affect its performance.
I understand that when it comes to new car tire punctures, insurance typically doesn't cover it. Standard vehicle insurance, such as compulsory traffic insurance, mainly covers third-party liability, while comprehensive insurance only covers damages caused by accidents to the vehicle body and does not include everyday wear and tear like a standalone tire puncture. The original manufacturer's warranty for new car tires might apply, but punctures are often attributed to road conditions or driving habits and are not considered quality issues. I recommend you immediately check your policy terms and directly call your insurance company to confirm. If it does happen, most of the time you'll have to pay out of pocket for a new tire, with costs potentially ranging from a few hundred to over a thousand yuan. It's best to regularly maintain your tires to avoid similar issues.
My new car had a big gash on the tire just one month after purchase. I asked the insurance company, and they said it's not covered because the cut is considered normal wear and tear, not caused by an accident. I also checked the tire warranty, which only covers quality issues, not scratches. In the end, I spent 600 yuan to replace it with an original factory tire. A reminder to everyone: avoid curbs when parking, especially for new drivers. New car maintenance is crucial—I check tire pressure and wear every two weeks. Prevention is key to saving money and hassle.
