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Are Flat Tires and Tire Blowouts Covered By My Car Insurance Policy?

A common question that people ask regarding their auto insurance is: “Are flat tires and/or tire blow outs covered by my insurance?” Unfortunately, most people ask this question after they already have a flat instead of in advance. The truth is that not everyone will have a policy that gives them a new set of tires if theirs blow out. You will only get coverage if you have a comprehensive car insurance policy. Most people that have comprehensive coverage will be able to collect insurance if their tires are damaged and need replacement.

If you avoided purchasing a fully comprehensive policy, you will very likely end up having to pay money out of your own pocket for the tire replacement. If you managed to pop more than one tire, you will be responsible for paying them off in full. If you haven’t blown a tire yet, but are planning a long trip and want to take precautionary measures, I would seriously recommend getting comprehensive coverage – at least temporarily – so that if something crazy does happen to your vehicle, you aren’t out a lot of money.

Is blowing out your tire really much of a problem?

Absolutely, it definitely is a big problem. Not only do tire blow outs kill hundreds of people each year, they lead to over 20,000 accidents on an annual basis in the U.S. In other words, there are over 50 tire blow outs each day that lead to accidents. Not to mention the fact that blowout tires have potential to cause death. Upon checking the data, it seems as though that there is at least one death each day from blown tires – a fact that not many people know about.

How To Handle A Tire Blowout (Howcast Video)

What could cause my tires to blowout?

There are plenty of crazy things that could cause your tires to go flat or blowout.  Some common causes include:

Punctures – There are a number of objects that can puncture your tire. Obviously if you already have a nail in your tire, it could slowly flatten. Additionally, hitting a curb or running over a decent sized rock could pop your tire. If you are involved in an accident, there are many things that could pop your tire.

Dry & Hot Conditions – Oddly enough, driving in hot conditions for an extended period of time could pop your tires. It is important to frequently check on your tires when driving in hot conditions. Make sure that they can handle the conditions.

Worn treads – If your tires are completely worn out, there will usually be some warning signs such as squealing and a glazed or smooth appearance. Make sure you get tires replaced as soon as possible if this is the case.

Pressure level – Make sure that the pressure in your tires isn’t too low. Most people that experience tire problems forget to check the pressure and find out that they are significantly lower in pressure than they should be.

Is there a good way to prevent tire blowouts?

There are certainly steps you can take if you want to prevent a tire blowout. The best way to prevent your tire from blowing out is to always be aware of the status of your tire. You need to maintain your tires, have them inspected, and check their pressure levels whenever possible. Some good tips to prevent a blowout and/or flat tire include:

  • Inspection – Have your tires professionally inspected periodically. If they look worn out or you suspect that they might have problems, you should get them checked. Go to a trusted mechanic because they have a trained eye for damages.
  • Inflation levels – Make sure that your tires are inflated to the proper pressure and not over-inflated or under-inflated. Both over and under inflation can cause problems. Most people tend to have their tires under-inflated, but not always.
  • Rotation – Most drivers understand that from time to time, their tires need to be rotated to maximize performance. You can take your vehicle into a reputable mechanic and have him rotate the tires for you if necessary.
  • Observe – Always take note and observe anything that seems unusual with your tires. Are they squealing often? Are the treads completely worn down? Are you burning rubber on a daily basis? These are all things to think about and check out if you suspect there could be a problem.

What if my tire blows out and it leads to an accident?

Anytime you are involved in an accident, you need to have insurance to cover for the damages. If you are “at fault” your insurance company will support you based on the type of policy you purchased. If you have comprehensive coverage, you will likely get replacements for your blown tires. If you are driving a new car and your tire went out and caused an accident, you may want to “lawyer up” and go after the company that manufactured the tires.

If there was another party involved in the accident that your blown tire caused, you will still need to compensate them if you live in a state where fault is assigned. Hopefully you never have to deal with a blown out tire because it’s really a lose-lose situation. But if you do, hopefully you already purchased comprehensive insurance so that you don’t have to pay out of pocket for a replacement.

If you want to see the leading companies in your area offering comprehensive policies, I would encourage you to enter your zip code into the tool at the top of the page – it’s totally free – and you’ll see only the companies offering the best rates.

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