Does car insurance cover my tires if I run over a nail?

I ran over a nail while driving and got a flat tire. I used my insurance for roadside assistance, but can I also use it for the tire damage? I don't really want to pay for damage that wasn't my fault.

Answer
“I’m glad your car insurance’s roadside assistance came through for your flat tire!
While it sucks to hear, your insurance won’t replace the damaged tire.
Even if you have comprehensive insurance or collision insurance, it won’t cover tire damage by a nail. The only time your insurance would cover tire damage is if you were in an accident or the damage was caused by a covered peril, like a windstorm or vandalism.
Additionally, your comprehensive and collision coverage are subject to deductibles. As most people carry $500-$1,000 deductibles for full coverage, the damage to your tire is likely lower than your deductible, so you’d be better off paying out of pocket.
Of course, you should always confirm that this is the case with your insurance company. An agent can provide more information regarding your coverages. If you can submit a claim, they will guide you on the next steps.
If you find yourself looking for new insurance that might cover you for any unexpected accidents in the future, check out Jerry! We’ll get you multiple customized quotes from up to 50 top insurance companies in seconds, so that you can choose the coverage you need for the best price. We’ll even help you switch providers by assisting you with the paperwork!
Good luck with the new tires and drive safe!”
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Emily Maracle
Answered on Sep 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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