Are slashed tires covered by car insurance?

Insurance companies don’t expressly offer slashed tires car insurance coverage, but your car insurance company may be able to help you. Collision coverage will cover slashed tires after a car accident. If you have comprehensive car insurance, which covers vandalism, you must file a claim to replace your slashed tires.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Dec 22, 2021

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The Rundown

  • Car insurance companies don’t offer specific coverage for slashed tires, but your comprehensive coverage might cover the damage
  • Comprehensive insurance covers events like vandalism
  • To approve your claim, your car insurance company will need to investigate, so provide as much pertinent information as possible

Does insurance cover slashed tires? Can you buy slashed tires car insurance specifically and get slashed tires car insurance quotes?

The answer to the first question is yes. To answer the second question, no car insurance company offers slashed tires car insurance. Also, you don’t need to get quotes to replace your tires. That said, your insurance company may replace your damaged tires if you have the right coverage.

For example, liability insurance is part of a basic policy and will not help you pay for tire damage. However, two types of optional coverage might.

Read on to know when you can get slashed tired insurance coverage and which companies will replace your tires in certain circumstances. But if you want to get quotes from top companies in your area right now, enter your ZIP code into our free quote tool above.

When will your car insurance company cover slashed tires?

Your car insurance company may help you replace your damaged tires if you have collision and comprehensive car insurance coverage. However, you need to include those coverages as part of your policy before that type of damage occurs.

Collision car insurance coverage only covers your damaged tires if you get into an accident with another vehicle or an object. However, collision insurance will not cover general wear and tear.

Now, if another person slashes your tires on purpose, only comprehensive car insurance coverage may apply.

Comprehensive coverage will account for situations like theft, running into an animal, floods, fires, and riots. Also, according to the Insurance Information Institute, comprehensive insurance may even count a collision with an asteroid as a covered event.

If someone deliberately slashes your tires, that is an act of vandalism. Car insurance companies generally include that as a covered act with comprehensive insurance, so you most likely have coverage.

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Slashed Tires: What To Do When You Need To File a Car Insurance Claim

If you want to file a slashed tires car insurance claim with your insurance company, follow the steps the company lays out and displays on its website. There are generally three to five steps for you to take.

The claims process is generally the same regardless of the incident that caused damage to your car. However, you might need to take special considerations if someone damaged your tires during an act of vandalism.

Now, before calling your insurance company, you may need to do the following:

  • Take pictures of the damaged tires.
  • Get the names of anyone involved or find witnesses, if possible.
  • File a police report.

Once you have all your documentation in order, you will be ready to file a claim with your car insurance company. Some insurance companies may also suggest that you get a copy of the police report and any video footage yourself to expedite the process.

Once you file a claim, your insurance company will assign a claims adjuster to your case to determine that the damage happened because of vandalism. If the resulting investigation proves that is the case, your car insurance company should fulfill your claim.

Slashed Tires Car Insurance: The Final Word

Collision and comprehensive car insurance help replace your slashed tires if the damage happened during covered events. You have coverage if your tires take on damage in a car crash, an object hits them, or someone deliberately slashes them.

However, before making a claim, here is something you need to consider: How high is your deductible, and how much will it cost to replace your tires?

Depending on how high you set your deductible, the cost of your tires may be less than that. In such a case, you might as well purchase new tires yourself.

Ultimately, you should review your car insurance policy. Also, talk to your insurance agent. They will give you a better understanding of what your policy covers and what may happen to your rates after you file a claim.

Now that you know whether your car insurance covers slashed tires, is there anything more you need to know? View our FAQ section below.  In the meantime, when you are ready to see rates from top car insurance companies in your area, enter your ZIP code into our free quote tool below.

Frequently Asked Questions: Slashed Tires Car Insurance

Here are a few answers to burning questions you may have about slashed tires car insurance.

#1 – How many slashed tires will companies cover at one time?

Sometimes, you may read or hear a rumor that car insurance companies may only cover a certain number of tires at a time. Well, is that true?

The truth is it doesn’t matter how many tires you need to replace. If your car insurance company accepts your tire damage claim, it will cover all four tires on your car if necessary after you pay your deductible.

#2 – Why do insurance companies deny some slashed tires car insurance claims?

Like with any claim, insurance companies calculate risk and determine the cause of any damage to your vehicle. Comprehensive insurance will apply to many events beyond your control, but it does not cover events when the insurance company deems the cause to be negligence or fraud.

Also, do your best to avoid some road hazards. Collision insurance may cover your tires if you drive over a pothole, but it might not cover tire damage if you run over glass or road spikes.

And once again, car insurance does not cover damage due to wear and tear. It is a driver’s responsibility to ensure that their tires have enough tread and that the tires have enough air in them, for example.

To know more about tire maintenance, read your owner’s manual. Also, the National Highway Traffic Safety Administration has some advice and resources regarding tire purchasing and maintenance.

#3 – Is there a way to buy slashed tires car insurance beyond your regular car insurance?

To avoid making a tire damage claim, you have two other options to consider if you want affordable slashed tires car insurance.

As one article suggests on the Kelley Blue Book website, you might want to consider road hazard protection or tire and wheel protection for your slashed tires insurance. These plans protect against tire damage if you run over glass, metal, and nails, among other things.

Road hazard protection costs $15-$30 per tire on average, or the plans might be free with tire purchase. However, these plans only last for a relatively short time or are only valid while your tires have a certain level of tread on them.

If you purchase tire and wheel protection, you have protection for your wheels and sensors. The plan also comes with limited towing and alternate transportation coverage. You can buy this extra tire protection from select tire suppliers or service centers.

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