It was reported earlier this year that car thefts were on the rise in several states across America. What would happen if more people stole cars and vandalized them?
It’s important that you drive safely and pay your insurance premiums on time to protect your car. It is still possible to face unexpected problems like vandalism, and drivers start wondering how their insurance can protect them.
In today’s article, we will answer a question that is frequently asked and incorrectly answered: will insurance cover 3 slashed tires?
Take advantage of our insurance guide to learn more about car insurance and discount tires.
What Does Standard Car Insurance Cover?
In order to understand what standard car insurance covers, let’s first examine what it covers. Most states require all licensed drivers to have some form of automobile insurance (also known as compulsory coverage). Getting a car insurance policy is essential if you do not currently have one.
There are usually three types of coverage included in standard car insurance: property, liability, and medical. The cost of the car if it is stolen can be covered under property insurance under certain circumstances. Expenses that you incur when your car damages another person’s property, such as a building or fence, can also be covered under property insurance.
You are protected from financial loss if you are involved in a car accident if you have liability and medical insurance. Vandalism is not covered by either of these considerations, despite both of them being important.
Will Insurance Cover 3 Slashed Tires?
It has already been stated that certain types of damage will be covered by property insurance. Is that including 3 slashed tires?
This is a complicated question.
It is a simple fact that most standard car insurance policies do not cover the cost of 3 slashed tires. The reason, however, is not what most people believe.
According to the myth, your insurance provider will cover the cost of 4 slashed tires, but not 3. You are right if you think this is a little silly. There will be no coverage limit based on how many tires are slashed if your car insurance company covers slashed tires.
As a result, you are probably not covered for this particular issue (or anything related to vandalism) unless you purchase additional car insurance plans. In addition to comprehensive coverage, collision coverage is another common type of car insurance policy purchased by drivers.
What Is Comprehensive Coverage?
The comprehensive coverage on your car offers protection against a wide array of damage that may occur. The purpose of this type of insurance is different from that of property insurance, which pays if your car gets damaged in an accident, not if your own is damaged.
In more specific terms, comprehensive coverage protects against damage caused by issues other than accidents. Comprehensive coverage, for instance, can cover some or all of the damage caused by a tree falling on your car during a storm.
If you are worried about vandalism, comprehensive coverage covers damage caused by vandals, rioters, and others. In the event that you have comprehensive coverage, you should be able to make a claim for 3 slashed tires if they are covered.
What Is Collision Coverage?
The name collision coverage implies that it protects you against damage caused by collisions. Accidents with other vehicles are included in this category, but it doesn’t end there.
In the event that you hit a pole while swerving to avoid an accident, your bumper would suffer serious damage. It is likely that you can get reimbursed for the repairs by filing a claim with your collision insurance company.
Are 3 slashed tires covered under collision coverage? A collision can result in slashed tires, but only if the slashes caused the slashes.
Do You Need Better Car Insurance?
Your car is one of your most valuable possessions, so you take measures to protect it. A comprehensive car insurance policy can help you with all of that.
What is the insurance coverage for 3 slashed tires? Are insurance policies capable of covering more than the damages done to the vehicle of another person? It is important to choose a package that offers all the protection you need.
Do you want to know what your car insurance options are in Massachusetts? You can get started putting together the right car insurance package right away by getting in touch with us.
Is Other Tire Damage Covered By Insurance?
Other methods of destroying your tires other than vandalism can lead to them becoming useless. In addition to tire damage, what other types of damage is covered by your car insurance?
You should be aware that no insurance will cover tires damaged by negligence or overuse. In the event of flat tires or tires worn down from use, even with additional car insurance, you will not be covered.
Your comprehensive and collision coverage may provide coverage for the following types of damage:
- Poor roads or potholes
- Vandalism of other types
- Running over debris, sharp objects, or other objects that are not reasonably apparent
The following list is not a guarantee or a comprehensive list of what your additional insurance policies may cover. It is important to note that circumstantial factors will always play a part in deciding whether or not your insurance company will provide you with coverage.
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How Do You Know If You Can File a Claim for 3 Slashed Tires?
Without comprehensive coverage, you are unlikely to receive coverage for 3 slashed tires. You should consider the following things if you do have comprehensive coverage:
- How high is your deductible?
- Your out-of-pocket expense for new tires
- how filing a claim would affect your insurance rates
It may surprise you to learn that your deductible is not much less than the cost of three new tires. You would be better off buying your own new tires rather than filing a claim in this case.
