Auto insurance in Quinlan, TX, is designed to help you repair your car after an accident, avoid lawsuits, and otherwise protect you financially. However, when it comes to your policy paying for new tires, the answer isn’t that straightforward. It depends.
Covered Perils
Auto policies have different levels of coverage, and each level covers specific events. Liability covers the other person’s damages if you’re at fault. It won’t pay for new tires or any other damage to your vehicle.
Collision can provide coverage if your car is in an accident, including a car accident with another vehicle or a fence, or your car rolling over. Comprehensive provides coverage for other incidents, such as theft, vandalism, natural disasters, and more.
If you need new tires because of a covered peril, you can file an insurance claim for the cost. An agent at Slaughter Insurance Agency can help you learn more about what your policy covers.
Exclusions
While a comprehensive policy will pay for new tires damaged due to a covered event, there are many cases where it won’t cover new tires. Policies don’t cover normal wear and tear. Nor do they cover anything that isn’t a covered peril. For example, if your insurance doesn’t cover theft, it won’t cover new tires after your car is stolen. An agent can explain any other exclusions your policy has.
Deductible
Remember that you have to pay a deductible before your insurance will kick in. The deductible is the amount you pay to the insurance company. Compare the cost of new tires with the cost of your deductible to determine whether you should file a claim.
An agent at Slaughter Insurance Agency can help you learn about deductibles, policy exclusions, and more. Contact us today. We’re currently serving the Quinlan, TX, area.
