Discover if insurance covers tires after being slashed.

 

You're about to get on the road when you realize someone took a blade to your tires. So, does insurance cover slashed tires? If you have comprehensive insurance, then yes, your insurance covers slashed tires. It doesn't matter how many tires are slashed, either. But, whether or not you should make an insurance claim is another story. 

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 zip code below in the free quote tool to compare rates from top providers in your area.

 

In this article:

 

Does Insurance Cover Slashed Tires?

Yes, comprehensive insurance can cover slashed tires, and collision insurance can cover damaged tires depending on the situation. 

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 car insurance coverage, also known as minimum liability auto insurance, does not cover slashed tires.

Bodily injury and property damage 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.

Consider the following questions, then read on to learn more about insurance rates 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 normal wear and tear?

 


 

How Insurance Can Cover Slashed Tires

Depending on the cause, most auto insurance policies allow you to use either comprehensive coverage or collision coverage to pay for the damage.

It does not matter how many tires have been slashed. If you have the right coverage, it will cover one to four (or more) tires as long as the cost exceeds your car insurance deductible

Comprehensive Covers 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. Slashed tires are considered a type of vandalism.

Be aware that most insurance companies pay to restore your vehicle to its state before the accident. The insurer will subtract value to account for the milage your tires had before being slashed. So, you'll get new tires, but you might have to pay for a portion of the cost.

Collision Covers 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, this type of coverage could also 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 in the car insurance industry, we recommend comparing multiple car insurance quotes. Enter your zip code below to get started.

 

 


 

Should You File A Claim For Slashed Tires?

If your tires have been slashed, it may be difficult to figure out what to do first. But when it comes to making car insurance decisions after vandalism, try to keep track of as many details about the incident as you can to report them to local authorities.

It may or may not be in your best interest to use your insurance company for new tires. 

Your comprehensive or collision deductible needs to be low enough to make filing a claim worth it, first of all. If your comprehensive deductible is $500, your insurance may not cover a set of affordable tires. 

If your comprehensive auto insurance covers a portion of the cost, you'll probably see your rates increase for the next three years. There's a good chance the rate increase would cost more in the long run than whatever amount the insurance company paid for. 

Basically, it's probably only smart to have your insurance cover tires if the tires are of high value. 

File A Police Report Right Away

Whether or not you want to file an insurance claim, you should file a police report. Insurance companies may require you to file a police report to make a vandalism claim, too.

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 Accurate Information If You File An Insurance Claim 

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.

 


 

Other Types Of Coverage

You can also get other types of tire-related coverage options depending on the situation. 

Does Roadside Assistance Cover Tires?

While roadside assistance won’t pay for tire damage or a tire replacement, it can still be helpful to have. If you get a flat or experience a blowout on the road, roadside assistance will send someone to tow your vehicle or help to replace your damaged tire with a new tire. 

Check if you have roadside assistance through your auto insurance company or through your car manufacturer.

Road Hazard Protection Plans

So, does insurance cover tire damage besides slashing or potholes and road spikes? In most cases, no. On the other hand, dealerships, auto manufacturers, and extended warranty companies offer road hazard protection plans that can cover certain types of tire failures. Usually, these are limited to hazards encountered in normal driving, not vandalism or slashed tires. 

 


 

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 which 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. 

 
 

#1 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.

 

#2 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.

 


 

FAQ: Coverage For Slashed Tires

Does car insurance cover tires that are slashed?

Depending on how your tire was damaged, comprehensive and collision coverage are the only types of insurance that cover slashed tires. If you have basic insurance or liability coverage, your insurance will generally not cover the damages, regardless of the cause.

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.

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.

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.

Does full coverage car insurance cover slashed tires?

Yes, full coverage auto insurance covers slashed tires. Specifically, comprehensive insurance covers vandalism and collision insurance covers damage from driving over spikes in the road or potholes. Full coverage policies include both comprehensive and collision.

What do you do if someone slashes your tire?

If someone slashes your tire, you should file a police report to document the crime, whether you know who did it or not. Then, consider the cost to get a new tire as it may or may not be worth it to file a comprehensive insurance claim.

 


 

Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

 

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