Does Insurance Cover Tire Damage? Here’s What You Need to Know

Does Insurance Cover Tire Damage? Here’s What You Need to Know

March 27, 2023

When it comes to car insurance, many drivers are unsure about what types of damages are covered under their policy. One common question that comes up is whether car insurance covers tire damage. The answer isn’t always straightforward, but in this article, we’ll break down the basics of tire damage and insurance coverage so that you can have a better understanding of what to expect.

What Types of Tire Damage Are Covered by Insurance?

The first thing to understand is that insurance policies vary, and what’s covered under one policy may not be covered under another. With that said, there are some general guidelines to keep in mind.

Comprehensive Coverage

If you have comprehensive coverage, which is an optional add-on to your car insurance policy, you may be covered for tire damage caused by things like:

  • Punctures
  • Blowouts
  • Vandalism
  • Theft

However, it’s important to note that comprehensive coverage usually only covers damage that is out of your control. So, if you hit a curb or a pothole and damage your tires, you may not be covered.

Road Hazard Coverage

Some insurance companies offer a separate type of coverage called road hazard coverage. This type of coverage is specifically designed to cover damage to your tires caused by hazards on the road, such as potholes or debris.

It’s important to check with your insurance company to see if they offer this type of coverage and what it entails. Some policies may only cover the cost of repairing a damaged tire, while others may cover the cost of replacing it entirely.

What Types of Tire Damage Are Not Covered by Insurance?

While comprehensive and road hazard coverage can provide some protection for your tires, there are some types of damage that are typically not covered by insurance. These include:

  • Normal wear and tear
  • Damage caused by improper maintenance
  • Damage caused by a collision

If your tires are worn out or damaged due to lack of maintenance, for example, you’ll likely have to pay for the cost of replacement out of pocket.

Also Read: Should You Get a Vehicle Service Contract?

What Should You Do If Your Tires Are Damaged?

If your tires are damaged, the first step is to assess the extent of the damage. If it’s a minor issue like a small puncture, you may be able to have it repaired rather than replaced.

If the damage is more severe, you’ll need to have the tire replaced. Depending on your insurance coverage, you may be able to file a claim to have the cost of the replacement covered.

It’s always a good idea to contact your insurance company as soon as possible if you think you may have coverage for the damage. They can advise you on the best course of action and help you file a claim if necessary.


Tire damage can be a frustrating and costly issue for drivers, but with the right insurance coverage, you can have peace of mind knowing that you’re protected. Remember to review your policy carefully and talk to your insurance company if you have any questions or concerns.

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