What is the three-tire insurance rule? (2024)
The three-tire insurance rule says auto insurance won't cover replacement if you only slash three tires. However, that is false. Comprehensive coverage, averaging $12/mo, pays out even if only three tires were slashed. We'll overview why slashing three tires, not four, doesn't negate your coverage.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Apr 4, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Even if only three tires were slashed, comprehensive insurance will cover it
- Slashing three tires vs. four won’t make a difference to insurers
- Ensure that you park in well-lit areas to avoid vandalism to your vehicle
Will insurance cover three slashed tires? The three-tire insurance rule is a common misconception that claims auto insurance won’t pay for damages if you slash three tires not four. That simply is not true.
How many tires does insurance cover if slashed? Does insurance cover three slashed tires? Yes, and even if all four tires are slashed, insurance does cover it. But you’ll need comprehensive coverage added to your policy to handle vandalism.
How many tires does insurance cover? Get the answers in our guide to comprehensive auto insurance and the three-tire insurance rule. You can compare free quotes now from auto insurance companies that offer comprehensive coverage by entering your ZIP code above.
Three-Tire Insurance Rule
If you want to vandalize a car, why do you only slash three tires instead of four? Why does insurance not cover three slashed tires?
The three-tire insurance rule is a common myth suggesting that auto insurance only covers damages if three or more tires are slashed. This is not true. Comprehensive auto insurance typically covers slashed tires caused by vandalism, regardless of the number of tires affected.
Does insurance cover tire slashing? Comprehensive coverage protects against non-collision incidents, including theft, vandalism, and natural disasters.
According to the three-tire rule, auto insurance won't pay for damages for slashing three tires and not four, but this isn't true. Comprehensive coverage will pay out for three slashed tires, though the cost of repairs could be lower than your deductible. So, always get an estimate before filing a claim.Schimri Yoyo Licensed Agent & Financial Advisor
Why won’t insurance cover three slashed tires? It does, but your liability-only coverage won’t pay for any damage to tires. You need more than merely basic coverage to be fully protected. If they slash three tires, insurance only pays if you have full coverage or at least add comprehensive to your policy.
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Comprehensive Coverage Pays if Someone Slashed Your Tires
Does insurance pay if three tires are slashed? There is a popular misconception that auto insurance will only cover slashed tires if a certain number are damaged. So, does insurance cover four slashed tires?
If you have the correct coverage, auto insurance will cover any number of slashed tires. You’ll need to add comprehensive auto insurance coverage to your policy for slashed tire protection.
Does insurance cover nails in tires or tires slashed by road debris, spikes, or a vandal? What if my tire explodes while inflating? You will need to have collision and comprehensive coverage in place to cover these types of events.
What is the difference between collision and comprehensive auto insurance?
- Collision auto insurance covers damages to your vehicle from an accident that you caused. For example, if you are in an accident and your tire is damaged, your collision coverage would pay to replace it.
- Comprehensive insurance covers damages to your vehicle that are not the result of an accident, such as fire, theft, and vandalism. Slashed tires are considered vandalism, so comprehensive coverage would kick in.
Does insurance only cover four tires? Learn more in our helpful guide — Does auto insurance cover tires?
You should note that insurance won’t pay for normal wear and tear of your tires or cover flat tires. If you have roadside assistance, that service will cover changing a flat tire or towing your car to a repair facility.
For instance, AAA insurance roadside assistance includes AAA towing services that can help move your vehicle. You can also sign up for AAA flat tire repair to have your tires repaired at the scene. This will raise auto insurance rates, so compare costs in our AAA auto insurance review.
Comprehensive Auto Insurance Costs
Does insurance cover three slashed tires? Comprehensive car insurance will cover any number of tires This table displays average rates of comprehensive coverage by state. You can see that adding the coverage is not very costly and will give you peace of mind.
State | Rates |
---|---|
Alabama | $12 |
Alaska | $12 |
Arizona | $15 |
Arkansas | $15 |
California | $8 |
Colorado | $13 |
Connecticut | $11 |
Delaware | $9 |
District of Columbia | $19 |
Florida | $9 |
Georgia | $13 |
Hawaii | $8 |
Idaho | $9 |
Illinois | $10 |
Indiana | $10 |
Iowa | $14 |
Kansas | $19 |
Kentucky | $11 |
Louisiana | $17 |
Maine | $8 |
Maryland | $12 |
Massachusetts | $11 |
Michigan | $12 |
Minnesota | $14 |
Mississippi | $16 |
Missouri | $14 |
Montana | $17 |
Nebraska | $17 |
Nevada | $10 |
New Hampshire | $9 |
New Jersey | $10 |
New Mexico | $14 |
New York | $13 |
North Carolina | $10 |
North Dakota | $19 |
Ohio | $9 |
Oklahoma | $17 |
Oregon | $7 |
Pennsylvania | $11 |
Rhode Island | $10 |
South Carolina | $14 |
South Dakota | $19 |
Tennessee | $11 |
Texas | $16 |
Utah | $9 |
Vermont | $10 |
Virginia | $11 |
Washington | $9 |
West Virginia | $16 |
Wisconsin | $11 |
Wyoming | $19 |
U.S. Average | $12 |
Will insurance pay for slashed tires? Does Geico cover slashed tires? Does State Farm cover slashed tires? What about Allstate or Progressive? The answer is yes if you have comprehensive coverage. For example, if you only have Allstate collision insurance, three tires slashed won’t be covered.
Are slashed tires covered by insurance? Collision coverage pays for tire damage in an accident, but you need comprehensive insurance to pay for slashed tires caused by vandals. You file a claim under comprehensive coverage, and your insurer will likely cover the cost of repairs or replacements, minus any deductible specified in your policy.
Read More:
How to Claim Slashed Tires on Insurance
Can you claim on insurance for slashed tires? Yes, as long as you have full or comprehensive coverage, you can file a claim. Whether or not you file an insurance claim, you should still file a police report. This way the damages are documented and the person responsible may have to pay for repairs.
Will insurance cover two slashed tires? Comprehensive insurance will cover all tires, so even if someone is slashing three tires vs. four, you can still file a claim.
Filing an auto insurance claim for slashed tires can be a frustrating experience, but knowing what you need to file a claim can ease your mind and speed up the process:
- Policy Information: Your insurance policy details, including the policy number, coverage type (e.g., liability, comprehensive), and effective dates.
- Proof of Identity: Your personal identification, such as a driver’s license or ID card.
- Vehicle Information: Details about your vehicle, including the make, model, year, VIN, and license plate number.
- Incident Details: Information about the incident leading to the claim, such as the date, time, location, and a description of what happened. Include visual evidence of the damage or incident, such as photos or videos taken at the scene and witness reports.
- Police Report: If the incident involved law enforcement, a copy of the police report may be required.
- Repair Estimates: Quotes from authorized repair shops to estimate the cost of repairs or replacements.
Are stolen tires covered by insurance? Yes, you can file a comprehensive claim whether your tires were stolen or slashed. Providing accurate and thorough documentation can help expedite the claims process and ensure that your insurance company has all the information needed to assess and process your claim efficiently.
Even though comprehensive insurance can help replace your tires, there are a few things that you should know. First, filing an insurance claim can raise your rates for years. Between the auto insurance deductible and the rate increase, it may be less expensive if you pay for the new tires yourself.
Does car insurance cover three slashed tires? Yes, but it’s important to note that if you have custom wheels, your typical comprehensive insurance won’t cover them. You need to add custom parts and equipment coverage to your policy.
Second, your insurance will only pay to replace your tires in a comparable condition. This means that if your tires are older, insurance won’t pay for a brand-new set. They take into consideration the age and mileage on your tires when paying the claim.
How to Avoid Slashed Tires
Will insurance cover slashed tires? If you have comprehensive insurance, slashed tires should be covered. However, being proactive to protect your vehicle can help you avoid filing claims.
While you can’t control random acts of vandalism, there are ways you can protect your vehicle and save yourself money. Here are a few ways that you can prevent slashed tires:
- Park in well-lit areas
- Install security cameras on your property
- Install a car alarm
- Park in a garage if available
There are no guarantees that you can prevent someone from vandalizing your car, but you can do everything possible to make it more resistant to vandalism.
Does car insurance cover slashed tires? Be sure to have comprehensive coverage in place just in case. Adding the coverage is inexpensive and can help cover unexpected costs.
Read More: Does auto insurance cover vandalism?
What to Do if Someone Slashed Your Tires
If someone slashed your tires, does insurance cover it? Yes, insurance does cover all four tires, but dealing with slashed tire insurance claims can be frustrating. Taking these steps and protecting your vehicle from vandals can streamline the claims process:
- Assess the damage and document the scene. Inspect your vehicle thoroughly to confirm the number of slashed tires. Take photos of the slashed tires and any other damage to your vehicle. This documentation will be crucial for insurance claims and police reports.
- Contact the authorities and file a police report. Report the incident to the police immediately. Provide them with all the details, including the number of slashed tires and any suspicious activity you may have noticed. Obtain a copy of the report for your records and insurance purposes.
- Contact your auto insurer to file a comprehensive claim. Does insurance pay for slashed tires? If you have comprehensive insurance, inquire about coverage for stolen tires and confirm if the insurance slashed tires are covered.
- Protect your vehicle to lower auto insurance rates. Park your vehicle in a secure location to prevent further damage or vandalism. Consider installing security cameras or alarms for added protection. Keep an eye on your surroundings and report any suspicious activity near your vehicle to the police.
What happens if you slash someone’s tires? You could face felony charges and would be responsible for paying all costs, including fines and court fees, out of pocket.
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More About Three Slashed Tires Insurance Coverage
If you slash three tires will insurance cover it? Yes. There is no truth to the three-tire rule which claims that auto insurance won’t pay for tires if you only slash three. However, you do need to have comprehensive coverage in place if someone slashes your tires.
Comprehensive coverage is relatively inexpensive and covers many scenarios, including fire, theft, vandalism, and natural disasters.
Insurance covers your car in the event of an accident, but what about vandalism or bad weather?😱That's where comprehensive coverage comes in! At https://t.co/27f1xf131D, we want to help you decide if this coverage add-on is worth it! Learn more here👉: https://t.co/ii0sdamcEp pic.twitter.com/BSMBfTAaIx
— AutoInsurance.org (@AutoInsurance) May 31, 2023
Ways that you can avoid having your tires slashed include parking in well-lit areas, adding a car alarm, and adding security cameras to your property. It’s also important to have the correct auto insurance coverage in place if your tires are slashed.
Does insurance cover tires being slashed, and will insurance pay for three slashed tires? In order to find the best auto insurance that includes comprehensive coverage, enter your ZIP code now.
Frequently Asked Questions
What is the three-tire insurance rule?
The three-tire rule is a misconception that claims auto insurance won’t cover damages if only three tires are slashed. However, this is not true.
Is it true that insurance won’t cover three slashed tires?
No, this isn’t true. If you have comprehensive coverage, auto insurance will cover any number of slashed tires, whether it be three or four.
Does insurance cover slashed tires?
Yes, auto insurance can cover slashed tires if you have the appropriate coverage. You will need to add comprehensive coverage to your auto insurance policy to protect against vandalism, including slashed tires.
What is the difference between collision and comprehensive auto insurance?
Collision auto insurance covers damages to your vehicle caused by an accident you are at fault for. On the other hand, comprehensive insurance covers damages to your vehicle that are not the result of an accident, such as vandalism, theft, and fire. Slashed tires are considered vandalism, so comprehensive coverage would apply.
What does comprehensive insurance cover?
Comprehensive insurance covers slashed tires and other damages caused by non-collision events, such as fire, weather, theft, vandalism, or windshield damage.
How much does comprehensive auto insurance cost?
The cost of comprehensive auto insurance varies depending on factors such as your location, driving history, and the value of your vehicle. Adding comprehensive coverage is generally affordable and provides peace of mind.
Will insurance cover four slashed tires?
Yes, if you have comprehensive coverage, auto insurance will cover any number of slashed tires. There is no limit on the number of tires covered.
What should I do if someone slashes three of my tires?
Firstly, you should contact police and file a report. Then, you should get an estimate to see how much it would cost to replace your tires. If the estimate is higher than your deductible, you should consider filing a claim.
Is slashing three tires a felony?
Yes, if you slash tires, most states will consider it a felony. Laws may vary depending on the cost of the damage, as most states consider property crimes as felonies if the damage exceeds $1,000.
Does USAA cover tire damage?
USAA will pay out for tire damage if you have comprehensive insurance.
Can you claim tires on insurance?
Normal wear and tear of your tires isn’t covered by insurance, but collision insurance covers tires damaged in an accident. However, if someone slashes three or all four of your tires, comprehensive insurance pays out since it’s considered vandalism.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.