Does Insurance Cover Tire Damage?
2 Answers
Automobile insurance companies do not cover tire damage unless it results from a traffic accident, in which case compensation for tire and rim damage will be provided. Below is more relevant information: According to the "Insurance Law of the People's Republic of China": 1. Article 21 stipulates that the policyholder, insured, or beneficiary must promptly notify the insurer upon becoming aware of an insured event. If notification is intentionally or grossly negligently delayed, making it difficult to determine the nature, cause, or extent of the loss, the insurer is not liable for the indeterminate portion, unless the insurer has otherwise become aware or should have become aware of the event in a timely manner. 2. Article 22 states that when claiming compensation or insurance benefits after an insured event, the policyholder, insured, or beneficiary must provide all available evidence and materials related to confirming the nature, cause, and extent of the loss. If the insurer deems the provided evidence and materials incomplete, it must promptly notify the policyholder, insured, or beneficiary in a single instance to request supplementary submissions.
I remember when I first started driving, I had a tire blowout on the road, and the repair cost me several hundred dollars, but the insurance company didn’t pay a cent. When I asked why, I found out that basic insurance only covers tire damage caused by accidents, like being rear-ended or hitting something. If the tire just wears out or gets a nail puncture, you’re basically on your own. Later, I added collision coverage, and when I had a minor scrape with another car that damaged the tire, the insurance covered the full cost. So now, I regularly check tire pressure and monitor wear to avoid unnecessary expenses. Driving safely comes first—don’t skimp on small costs, as the consequences of an accident could far outweigh the savings. I recommend all car owners thoroughly understand their insurance policies to avoid the kind of hassle I went through at first.
