Can You Make An Auto Insurance Claim For Damaged Wheels?

One of the emergencies that you will experience at least once with vehicle ownership is tire damage. Moreover, if you're in this situation, you're probably wondering whether replacing them is your responsibility or if the insurance company can do it for you. Note that sometimes your insurer will compensate you for damage, but this is not always the case. So, if you are unsure about a damage claim for your tires, below are situations where your insurer might agree to compensate you and when they might deny the claim.

In Which Situations Will the Insurer Pay for Tire Replacement?

Many things can lead to a vehicle getting a flat tire. Most of the time, it happens because you're not keen enough about rotating them and checking wear and tear levels. As such, the insurer will not compensate you if your vehicle gets a flat from wear and tear. However, if you're in a car crash and the tires burst from the collision, the insurer might compensate you. Given this, you should know that the insurer only comes in when the damage comes from unforeseen circumstances. On the other hand, you're less likely to get compensation if you're reckless with their maintenance.

What Does the Package Include?

You should also know what the insurer will include in the package. First is the cost of replacing the flat or damaged wheel. In this case, they will compensate you for a similar quality to yours. Secondly, they might compensate for any labor costs you might incur when replacing them. As such, they will repay you if you pay an auto mechanic for the tire replacement. Additionally, the insurer might compensate you for any incidental damage directly connected to the flat. For example, if your vehicle gets damaged from an accident, it might end up with cuts, bulges, and crushing. As such, they will compensate you for this damage.

What Other Types of Damage Does the Insurer Cover?

The insurance company might also pay for instances like your tires getting slashed during theft or vandalism. Note that they will only pay for flats if caused by a nail in the tire or if you accidentally run over some glass on the highway. Moreover, they will cover stolen wheels, but you might need to file a police report for your claim to be accepted.

These are the crucial things you need to know about auto insurance for tire bursts. More importantly, speak to your car insurance provider before repairing or replacing damaged tires. Note that they can help you figure out the best way to move forward without compromising your policy or premiums. 

For more information, contact a local car insurance company