Does Car Insurance Cover Slashed Tires?

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If you have comprehensive and collision coverage, your car insurance policy should cover the cost of replacing slashed tires.
Whether slashed tires are the result of vandalism or driving over tire spikes or debris, they require an immediate fix—and can be costly.
If you don’t have the right insurance coverage, your claim could be denied, leaving you responsible for the full cost of the damage.
To make sure you’re always covered, get Jerry on your side.
Jerry is your ultra-talented car insurance broker for life. No need to sit across from him at a desk—Jerry is an app! It takes less than a minute to sign up and you’ll be presented with competitive rates from up to 45 top providers. The average Jerry user saves $879 a year on car insurance.
Here’s what you need to know about whether or not your insurance covers slashed or damaged tires.
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Does car insurance cover slashed tires?

Your car insurance might pay for damage from slashed tires, but it depends on your policy and coverage. For your insurance company to approve your claim, you’ll need to have comprehensive and/or collision insurance.
If you only have basic liability insurance, you won’t be able to file a claim for something like slashed tires (or any other damage to your vehicle, in fact).

Basic insurance

Basic insurance is typically the minimum coverage that states require. It usually only includes liability coverage.
Liability insurance provides protection to other drivers on the road when you’re at fault in an accident. So if you hit another person’s vehicle or property, your liability coverage will help cover the cost of any medical bills and/or property damage.

Full-coverage insurance

To cover damage to your own vehicle, you’ll need full coverage that includes comprehensive and collision insurance.
  • Comprehensive coverage looks after any damage that isn’t related to a driving incident—things like theft, vandalism, and weather-related damage. If someone intentionally slashes your tires, this would fall under comprehensive coverage.
  • Collision coverage pays for damage that is related to a collision, either with another vehicle or with a stationary object. If your tires are damaged by road spikes, collision insurance would come into play.
You can use Jerry to help you find affordable full-coverage insurance that will protect you against damage like slashed tires.
Simply download the app and answer a few easy questions. In less than a minute, you’ll be presented with three competitive quotes. Choose the one you like best and let Jerry handle all the hard work!
Key Takeaway Basic insurance won’t cover damage to your own vehicle. If you have slashed tires, you’ll need comprehensive and/or collision insurance on your policy.

How to file a claim for slashed tires

If you notice that your tires are slashed, it’s best to file a claim sooner rather than later. If you wait too long, your insurance company could deny your claim.
If the slashing was the result of vandalism or another crime, you’ll need to file a police report before you contact your insurer as they will want a copy.
It’s important to consider whether it’s worth filing a claim. If you file a claim, you’ll need to pay your deductible and your insurance premium may rise. If you don’t, you’ll be responsible for the costs and you’ll have no recourse if you later find more damage.
To determine whether you want to file a claim, look at the cost of replacement tires versus the cost of your deductible. If the replacement costs are less than your deductible, it may be better to cover the damage yourself rather than going through insurance.
Key Takeaway If your replacement costs are higher than your deductible, you may want to file a claim. Contact your insurance company as soon as possible to begin the process.

How to find cheap car insurance

You never know when something unexpected (like slashed tires) could happen. That’s why it’s always important to ensure you have coverage that meets your needs.
Using Jerry can help you find full-coverage insurance at the best price.
As a licensed broker, Jerry does all the hard work of finding the cheapest quotes from name-brand insurance companies to finalizing your new car insurance. Jerry will even cancel your old policy for you.
And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal. The best part? It’s always completely free!
Here’s what one satisfied customer had to say:
“After more than 11 years with one insurance provider and our rates increasing each year, we had to look for a cost-savings alternative. Thankfully, we found Jerry. Not only were we able to find another reputable company that would provide the same exact coverage for an annual savings of over $2000, but they made the switching process incredibly easy! — Satisfied Jerry User
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