Are tire blowouts covered by insurance?

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Joel Ohman
Founder, CFP®

UPDATED: Jul 14, 2017

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Here's what you need to know...

  • Tire blowouts cause many accidents and even fatalities each year.
  • Comprehensive insurance usually covers tire blowouts when they cause additional damage to your vehicle.
  • There are steps you can take to avoid tire blowouts.
  • There are steps you can follow to reduce the risk of additional damage or injury following a blowout.

If you are driving and one of your tires blows out, it can be a scary and dangerous situation. Whether or not it is considered to be a car accident and, hence, covered by your car insurance policy depends on a number of different factors.

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This article will answer some frequently asked questions about tire blowouts and insurance coverage. It will also cover what you should do in the case you have a tire blowout on the road.

Are tire blowouts really a big deal?

Car accident on the street.

Yes, tire blowouts are absolutely a big deal. Tire blowouts cause over 500 fatalities and over 23,000 accidents per year in the United States.

That’s more than 1 blowout fatality a day and over 60 accidents a day caused by tire blowouts throughout the US.

To go even further with this analysis, that is 10 fatalities for every state per year and over 1 accident a day per state – all due to tire blowouts.

What type of insurance coverage is needed to cover a tire blowout?

The type of insurance that covers instances of tire blowouts is comprehensive insurance. Comprehensive coverage is used when you have damage to your vehicle that is caused by factors other than an accident or collision, which are covered under collision insurance.

If you are unsure about what type of insurance coverage you have, you should check with your insurance agent or a representative of your insurance company.

If I have comprehensive insurance will it automatically cover the tire blowout?

Insurance concept

Having comprehensive insurance will not guarantee coverage in the event you have a tire blowout. If the blowout caused damage to the car, there is a good chance that the damage would be covered by your insurance policy.

If there was not damage to the car, but just the tire, it would often not be considered to be a covered circumstance.

One reason that the tire had a blowout may relate to the tire itself. If the tire was defective, the damage may be covered by a manufacturer’s warranty.

If it was a manufacturing defect that caused the blowout and subsequent damage, the manufacturer of the tire itself may be liable for the damage.

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Why might a tire blowout occur?

A number of things can cause a tire to have a blowout.

  • Low tire pressure
  • Driving on tires that are worn out
  • Engineering or manufacturing concerns
  • Driving in high temperatures for a long period of time
  • Hitting a curb and puncturing the tire.

If you have a tire that blows out, you will notice a huge booming sound in the car while you are driving. If you do have a tire blowout while driving, there are a number of things to be aware of so that the situation does not get worse.

How do I prevent having a tire blowout?


There are numerous proactive and reactive things you can do to prevent a tire blowout. Here are some good ideas for you to do to prevent a blowout:

  • Have a routine inspection of your tires.
  • Monitor the wear and tear of your tires an a regular basis.
  • Make sure your tires are at the correct inflation and are rotated when  needed.
  • Be wary when driving in hot conditions.

If my tire blows, what should I do?

A furious man driving, as seen from behind the wheel. Shot using a very wide fisheye lens.

If you have a tire blowout, the most important thing to keep in mind is to not overreact or panic, as this can make things a lot worse. You can handle the blowout safely if you remain calm and remember what to do.

  1. Do not slam the brakes! When you first realize that your tire blew, your first instinct is often to slam down on the brakes. This is one of the worst things you can do, as it can cause serious repercussions.
  2. Accelerate slightly. This will help compensate, as the car will tend to pull toward the side of the tire that has just blown out.
  3. Do not jerk the wheel! You should instead keep the wheel firm and straight. Do your best to move away from other vehicles on the road. Once you are more isolated, you can slowly apply the brakes and maneuver the car to a safe place, out of the way of traffic.

Should I contact my insurance company right away if I have a tire blowout?

Driving, Text Messaging, Telephone.

If you are driving and have a tire blowout, you should get in touch with your insurance company right away. Your agent will help you determine whether or not the blowout is a covered event on your insurance policy.

If it is, your agent will walk you through the steps you need to take to file a claim.  If it is not covered, here is what you should do:

  1. Determine if the blowout was caused by a defect of the tire or if it is under warranty.
  2. Prepare to be liable for the costs of replacing the tire and any damage caused if neither the manufacturer nor insurance company is responsible for the damage.
  3. Find a reputable repair shop. To find one, you can check with AAA or the Better Business Bureau.

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