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Unexpected incidents occur every day on the road, from accidents with other vehicles to a collision with an object. You want to make sure you and your vehicle are covered. But what happens in instances when your car is damaged by an act of vandalism? Does insurance cover slashed tires?

Your car insurance company may cover the costs of damage to your car’s tires depending on how they were slashed and what type of coverage you carry.

Read on to learn all about insurance coverage for slashed tires, then check out our review of the best car insurance providers to start your search for better coverage. You can enter your zipcode below or call Motor1's designated quotes team at (855) 518-0148 to start comparing quotes.

 

In this article:

Does Insurance Cover Slashed Tires?

If your tires have been slashed, the first step is figuring out if you’re covered by your auto insurance company. This all depends on the type of insurance coverage that’s included in your vehicle’s policy, as well as how the tires were damaged.

It Depends On The Type Of Insurance Coverage You Have

Basic insurance coverage, also known as minimum liability auto insurance, does not cover slashed tires. Liability insurance covers damages or losses that were the result of an accident that you caused. Slashed tires are most often the result of an act of vandalism or perhaps even poor road conditions. In the case of slashed tires, because the damage was not caused by another driver, liability will not cover it.

The auto insurance coverage you’ll need for slashed tires is either comprehensive or collision insurance. Which type your insurance company uses for a claim depends on how your tires were damaged. 

Consider the following questions, then read on to learn more about getting coverage for slashed tires:

  • Was your car damaged by a person with a sharp object (cut, slashed, or stabbed)?
  • Did you hit or run over something that damaged your car (potholes or road spikes)? 
  • Did your tires become damaged by regular vehicle wear and tear?

 


 

How The Way Your Tires Were Damaged Can Affect Coverage

When you’re looking for the answer to whether insurance covers slashed tires, your car insurance company will take into consideration how the tires were damaged. Depending on the cause, you can use either comprehensive coverage or collision coverage to pay for the damage.

Comprehensive Coverage For Acts Of Vandalism

Comprehensive car insurance protects your vehicle when it’s damaged by something other than a collision. This includes things like fire, severe weather, collision with animals, theft, and vandalism.

According to this description, your comprehensive coverage should be able to pay for slashed tires. The exact coverage amounts and limitations will vary by insurance provider. Make sure to speak with your agent to learn more about the specifics of your comprehensive coverage.

At the beginning of your policy, you’ll choose your deductible for claims. Many drivers choose a low deductible. That way, incidents like a slashed tire will not be too expensive out of pocket. It’s important to note, however, that choosing a low deductible means your monthly insurance premium will be more expensive.

Collision Coverage For Potholes Or Road Spikes

Collision coverage can protect you and your vehicle when you get into a collision with another vehicle or an object. So, if you have the right type of coverage, your insurance would cover tire damage from running over a pothole or road spikes.

Again, it’s smart to check with your car insurance company to learn the specifics of your collision coverage to make sure it covers damaged tires. To find out more about coverage available, we recommend getting a quote. Use our tool below or call Motor1's designated quotes team at (855) 518-0148.

 

 


 

How To File A Claim For Slashed Tires

If your tires have been slashed, it may be difficult to figure out what to do first. Try to keep track of as many details about the incident as you can to report them to local authorities and your insurance provider.

File A Claim And Police Report Right Away

After you notice the damage to your vehicle, file a claim with your auto insurance company as soon as you’re able. Many insurance companies also require that you file a police report for vandalism. The offender will face serious consequences, and your insurance provider may be able to hold them responsible for covering the costs of the vehicle damage.

Provide Detailed, Accurate Information 

Make sure to take pictures of the damage and note information about the incident, like where your car was parked and the estimated time of day the incident occurred. To file a claim, you can usually call your insurance company’s customer service line or submit a request online. 

You always want to provide accurate details so your insurance agency can efficiently investigate your claim. After you submit a request, an appraiser will come out to inspect your vehicle and confirm the tires were slashed. Their job is to make sure this is not a case of insurance fraud.

Comprehensive insurance can cover slashed tires that were the result of vandalism. It’s important to be careful when filing a claim, as it could be denied if the tires were not actually slashed. Be honest with your insurance agent and provide as much detail as possible about how your tires were slashed. When you file the most accurate claim, you should get a fair amount to cover the costs.

Get Your Tires Repaired Or Replaced

Once your claim is being processed, find an auto shop to repair or replace the tires. Then check if you have rental car coverage to assist you while your car is being serviced. After that, all you have to do is pay your deductible, and you should be back on the road soon.

 


 

Other Types Of Car Insurance Coverage

There are many different types of coverage you can purchase to protect yourself and your vehicle while on the road. In addition to comprehensive and collision coverage, these other policies can provide assistance in many different areas, which can be extremely helpful if you live in an area that’s prone to dangerous driving conditions or crime.

Here are some other standard insurance coverages you can add to your auto policy:

  • Bodily injury liability insurance covers medical expenses for a victim of an accident that you caused. This is included in most state minimum requirements. 
  • Property damage liability coverage pays to repair or replace property that was damaged in an accident you caused. This is also required under most state minimum auto insurance laws.
  • Medical payments coverage pays for the cost of medical expenses for you or your passengers after an accident.
  • Personal injury projection is similar to medical payments and pays for the cost of medical expenses, lost wages, and death benefits in certain states.
  • Uninsured/underinsured motorist coverage protects you if you get into an accident with a driver who has insufficient insurance coverage.

While many drivers choose to purchase the minimum required insurance in their state, it’s important to consider adding more coverage to your policy. Driving in large metropolitan areas can be unpredictable, so it’s better to carry coverage just in case the unthinkable happens.

Drivers can access many other helpful coverages like roadside assistance, rental reimbursement, gap insurance, and new car replacement. Some car dealerships even offer a protection package called road hazard insurance, which protects you if you’re exposed to dangerous driving conditions on the road, like potholes or debris.

 


 

FAQ About Slashed Tires

Does insurance cover slashed tires?

Yes. But you may still have other questions about coverage. Here are some answers to frequently asked questions about auto insurance companies and tire damage:

How many tires does insurance cover if slashed?

You may have heard of a rumor that car insurance companies will only cover slashed tires if all four were damaged. As long as you have sufficient comprehensive coverage, you should be covered no matter how many tires were slashed.

Check your insurance policy for specifics or ask your agent about your insurance coverage.

How much does it cost to replace a slashed tire?

The cost to replace a slashed tire depends on your auto insurance coverage and the deductible you chose at the beginning of your policy. This expense is also impacted by how many tires were damaged, the size of your tires, and the types of tires your vehicle needs.

Many auto repair shops can patch a punctured tire for under $50, but severe tire damage may require you to replace the tires completely, which can amount to a few hundred dollars. If you’re covered by insurance, though, you should only have to pay your deductible.

Does auto insurance cover wear and tear on tires?

Car insurance does not cover damage from tire wear and tear. So, if you get a flat tire because it is worn down, your insurance company will not pay for repairs. You might be better off purchasing roadside assistance to cover you in emergencies. A technician can come out to put on your spare tire or tow you to a local repair shop.

 


 

Our Recommendations For Car Insurance

Does insurance cover slashed tires? Not all providers offer the same types of coverage. So, it’s important to shop around for car insurance quotes to compare the value each company offers. We took a look at some of the top providers around the nation to see what companies came out on top in customer service, coverage, cost, and more.

Here are two of our top picks. Compare quotes between these providers, and enter your zip code to find other providers in your area. Or, call (855) 518-0148 to speak with Motor1's designated quotes team.

 
 

Progressive: Best For High-Risk Drivers

Progressive has a reputation for saving people money with its Name Your Price® tool and many discounts. Drivers can save for bundling multiple policies, going paperless, and paying their premium in full. These money-saving opportunities and average customer service helped Progressive earn a 4.5 rating from our research.

From Progressive, you can purchase full coverage insurance, including comprehensive coverage, uninsured motorist coverage, medical payments, and roadside assistance. For more, read our Progressive insurance review.

 

Geico: Best Overall

Geico is a good option with its reliable coverage and good customer service, earning it a 4.5 rating. Available in all 50 states, Geico offers comprehensive coverage, medical payments, emergency road service, and rental reimbursement. You can access many discounts with Geico, like those for senior citizens, members of the military, and good students. Read our Geico review for more.