Will my car insurance cover slashed tires?
What to Know
- Many car insurance companies will cover slashed tires
- A comprehensive policy will cover replacement tires
- Make sure it’s worth the value before you file a claim
When your car is vandalized or suffers other damage, you’re likely to be under a great deal of stress.
However, as long as you have comprehensive insurance from one of the best car insurance companies in the industry, you’ll be back on the road in no time.
That being said, you may want to verify that filing a claim on your slashed tires will be worth the increase in rates or other conditions.
If you’re looking for rates for car insurance cover for slashed tires, enter your ZIP code to see what you could pay for comprehensive car insurance at the top insurers.
Does car insurance cover slashed tires?
Whether or not your car insurance policy will cover your slashed tires largely relies on the insurer and the type of policy that you have.
If you just have liability coverage, you’re unlikely to get any help replacing the tires on your vehicle. On the other hand, a comprehensive car insurance policy can help guarantee that your wheels are replaceable if damaged in a wide variety of circumstances.
If caused by an act of vandalism and not on the road, then your car will likely need comprehensive coverage to take care of the replacements.
Below are some examples of the difference between the minimum and comprehensive coverage across the country, with the more expensive option being what will ensure you can get your tires replaced.
Full Coverage Car Insurance Rates in a Sample of Major Cities
| City | Liability Insurance | Full Coverage |
|---|---|---|
| Atlanta, Georgia | $876 | $1,470 |
| Boston, Massachusetts | $984 | $1,546 |
| Houston, Texas | $1,034 | $1,618 |
| Miami, Florida | $1,098 | $1,712 |
| Los Angeles, California | $1,128 | $1,676 |
| Newark, New Jersey | $1,353 | $1,925 |
| New York City, New York | $1,380 | $2,340 |
| Detroit, Michigan | $2,551 | $4,638 |
Get Your Rates Quote Now |
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As you can see, comprehensive car insurance is certainly more expensive, but it can be extremely helpful if your car is damaged somewhere other than out on the road.
How many tires does insurance cover if slashed?
Will insurance cover 2 slashed tires? Will insurance cover 3 slashed tires? Will insurance cover 4 slashed tires? The answer to all of these questions is: maybe.
Whether or not your insurance company will pay for your tire replacements will likely depend on the value of your car, as well as your deductible.
If your insurance company’s deductible is more than it would cost to replace your tires, then there is no sense in raising your rates by filing it with your insurer. On the other hand, if they pay a portion of the cost no matter what, you may see your rates rise for a few years, at least.
If you file a claim to get your wheels replaced, make sure there is enough value to justify you doing so.
Best Insurance Companies for Slashed Tires and Vandalism
Instead of looking for specific insurance companies, any insurer that offers comprehensive car insurance policies is more than likely able to cover any slashed tires or any other damage to your vehicle.
According to the Insurance Information Institute, not only will you be safe from vandals, but any severe weather or theft will also be covered under your insurance policy.
Does Geico cover slashed tires? Does State Farm cover slashed tires? Below are some examples of popular insurance companies that offer comprehensive car insurance policies that will cover all your needs.
- Geico
- State Farm
- Progressive
- Nationwide
Many of the most popular and least known insurers alike are very likely to sell comprehensive car insurance.
Most, if not all, insurers want to maximize the profits they can on a policy and comprehensive coverage allows for larger profits while still having to pay out at a similar frequency.
How to File a Claim for Slashed Tires
Slashed tires, what to do? When something happens to your vehicle, you may be understandably stressed. That being said, when you notice new damage to your vehicle that you’re unaware of, there are a few things you should do.
- Call the police
- Photograph the evidence
- Contact your insurer with information
- Wait for the vehicle to be assessed
With the proper documentation and going through the proper processes, your insurer will be able to get back to you that much quicker with an answer about what they’re willing to pay for your slashed tires.
As previously discussed, a comprehensive car insurance policy will add the additional step of the insurer reimbursing you or paying outright for any damages done to your vehicle.
Should you file a claim for slashed tires?
Whether or not you should file a claim on your slashed tires is a decision you’ll have to make for yourself.
While it can be tempting to dial up the insurance company immediately, it may be worth considering your current plan and benefits. If your deductible is lower than the repair cost, then there’s no need to raise your rates by filing a claim that doesn’t get a resolution.
On the other hand, if the insurer will only pay a minimal amount and will raise your rates higher in the long run, you may want to forego the process and pay out-of-pocket.
Another issue may arise if the cost of the tire replacement is more than a certain percentage of the value of your vehicle.
At that point, the insurer will consider your vehicle a totaled car, or total loss, you’ll be unable to drive it on the road, and the insurer may just reimburse you for the full cash value amount of the vehicle.
Car Insurance and Custom Tires: The Bottom Line
The good news is that there is a lot of affordable car insurance cover for slashed tires at a variety of popular insurers.
If your vehicle is damaged, it’s important to document the evidence and get in touch with your insurer as soon as possible. As long as you meet your deductible and other specifications, the insurer will happily reimburse you or pay for your tires to be replaced.
If you’re looking for quotes for car insurance cover for slashed tires, enter your ZIP code into our quote tool to see what you could pay for comprehensive insurance at popular insurers.