Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 23, 2020

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Things to Remember...

  • You may be able to have tire damage covered under your policy under specific circumstances depending on your insurance carrier
  • It is always a good idea to read over your policy to understand the details and circumstances that damage on your vehicle will be covered by your auto insurance
  • If you feel that your insurance company failed to live up to their end of the contract, there are other outlets for consumer complaints

Tire damage is often a gray area in terms of your auto insurance policy. You may be able to have tire damage covered under your policy under specific circumstances depending on your insurance carrier.

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Tires are something that needs to be replaced on a regular basis depending on your driving style and driving habits. As a business, the auto insurance company is not going to spend money on anything that they aren’t required to by the terms of your contract.

Insurance policies are developed as a way of protecting you from damage to pieces of your vehicle that don’t require regular maintenance.

The insurance companies view tires in a similar fashion as gasoline. You need to purchase gas to run your car. You also need to make sure your tires are in good shape and replace them if necessary. The fact that tires can be much more costly than a tank of gasoline is irrelevant.

If you are involved in a car accident that causes damage to one or more of your tires, your insurance policy may cover that for you.

How do I know if my auto insurance carrier will cover tire damage?

It is always a good idea to read over your policy to understand the details and circumstances that damage your vehicle will be covered by your auto insurance. If you are unsure by any excerpts of your policy or if your insurance carrier will cover tire damage, talk to your insurance agent.

It is the insurance company’s responsibility to put the details of the contract in writing for your purposes. Since there are different “what if” scenarios to consider, they are not able to cover all of these details when you sign up for your insurance policy.

The auto insurance agent has a responsibility to answer all questions you have regarding your policy. The key is to make the questions clear and concise.

Ask your insurance agent if tire damage is covered in an accident. The answer may be a simple yes or no. The answer may also be that it depends on the situation. The specific details are outlined somewhere.

If your insurance agent can’t answer the question directly, then he or she should be able to find an answer and get back to you.

The key is to know the guidelines that the insurance company uses to determine whether they will cover damage to the tires on your vehicle. Knowing these guidelines gives you the opportunity to understand if there are any loopholes to this aspect of your coverage.

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Can I dispute my auto insurance claim?

An auto insurance claim can be disputed. In many cases, this can involve hiring an outside appraiser to determine the value of the damage.

Depending on the insurance company, you may have to spend additional money on court costs to find a resolution.

If your dispute is for the purposes of having your tire damage covered by the insurance company, it will not be worth the extra cost and time. In the

In the end, you will end up paying more for the appraiser and court fees than you will receive as a settlement for the damage to your tires.

A more reasonable solution is to have a discussion with your insurance agent. If you threaten to leave, then you be more likely to grab their attention without having to pay anything out of pocket.

What if my auto insurance company isn’t honoring my policy?

If you feel that your insurance company failed to live up to their end of the contract, there are other outlets for consumer complaints. You may want to address the issue with your state department of insurance.

You should be able to find this information on your state government’s website. They will provide you with the details necessary to file a formal complaint against your auto insurance provider.

Research can also be done online to find if there are consumers who have had similar issues with this auto insurance company.

You will want to know if the issue is a result of the insurance company not fulfilling their contractual obligations or a misunderstanding on your part.

If you are unhappy with your auto insurance provider, you may wish to look for a new carrier. Find a knowledgeable agent to answer all of your questions.

Make an informed decision based on what you need and desire in an auto insurance provider. Get your free auto insurance quote by entering your zip code now!

References:

  1. https://wallethub.com/edu/collision-insurance/7292/
  2. http://www.wikihow.com/Dispute-an-Auto-Insurance-Claim
  3. https://www.goodfinancialcents.com/best-auto-insurance-companies/
  4. https://wallethub.com/edu/switching-car-insurance/13553/
  5. https://www.edmunds.com/auto-insurance/how-car-insurance-companies-handle-car-accident-claims.html