Are tire blowouts covered by insurance? (And what about tire warranties?)

The only time tire blowouts are covered by insurance is in the case of an accident. However, while over 23,000 accidents are caused per year by blowouts, not all blowouts are caused by an accident.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses...

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Reviewed byJoel Ohman
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UPDATED: Jun 29, 2020

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Are tire blowouts covered by insurance? Overview
FactSource
There are several types of tires: all-season, winter, summer, all-terrainNHTSA.gov
Tires are rated by the U.S. Government based on treadwear, traction performance and temperature resistance. Deterioration of these criteria lead to blowout.NHTSA.gov
Traction grades indicate a tire's ability to stop on wet pavement.NHTSA.gov
Current tire traction ratings: 15% are rated AA, 77% A, 7% BNHTSA.gov
Most tire blowouts are caused by under inflation.popularmechanics.com
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If you’re driving and one of your tires blows out, it can be a scary and dangerous situation. The question is, are tire blowouts covered by insurance? Or do tire warranties cover blowouts? Whether it’s considered to be a car accident and covered by your car insurance policy depends on a number of different factors.

This article will answer some frequently asked questions about tire blowouts and the types of car insurance that might cover it. For example, “is damage from a tire blowout covered by insurance?” It will also cover what you should do in case you have a tire blowout accident on the road.

Before learning if brand new tire blowouts are covered by insurance, you can enter your ZIP code above to compare car insurance rates for a number of insurance companies for FREE.

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

Comprehensive insurance is what would cover a blowout. A warranty is another ally in covering a blowout. How does comprehensive car insurance on your car work? Comprehensive coverage is used when you have damage to your vehicle that’s caused by factors other than an accident or collision, which are covered under collision insurance.

Let’s take a look at comprehensive coverage rates for each state in the country.

Average Annual Comprehensive Car Insurance Rates
StateAverage Annual Comprehensive Rates
Oregon$93.87
California$100.54
Hawaii$101.56
Maine$104.98
Washington$106.38
Utah$109.50
New Hampshire$110.77
Florida$116.53
Idaho$116.55
Nevada$117.63
Ohio$121.61
Indiana$122.06
Delaware$122.49
Vermont$125.48
Illinois$128.13
New Jersey$131.35
Connecticut$131.62
Rhode Island$132.19
Massachusetts$134.96
North Carolina$136.08
Virginia$136.54
Wisconsin$136.81
Alaska$137.26
Kentucky$141.39
Pennsylvania$144.21
Countrywide Average$148.04
Tennessee$148.45
Maryland$152.72
Michigan$154.85
Alabama$156.31
Georgia$159.18
New York$171.12
New Mexico$172.57
Colorado$174.61
South Carolina$180.94
Missouri$181.27
Iowa$183.53
Minnesota$184.27
Arizona$186.12
Arkansas$190.41
West Virginia$204.28
Texas$206.42
Mississippi$210.33
Montana$211.91
Louisiana$215.17
Oklahoma$225.84
Nebraska$229.25
North Dakota$231.04
District of Columbia$233.24
Kansas$241.36
Wyoming$247.57
South Dakota$258.11
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As you can see, it’s all state-dependent. Even if you live in the most expensive state — South Dakota, at $258.11 — the coverage against tire blowouts alone is worth it.

The following video explains comprehensive coverage in a bit more detail.

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

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

Having comprehensive insurance will not guarantee coverage if 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. There is no aftermarket tire and wheel insurance, that would fall under warranty if anything. You may be asking, “do tire warranties cover nail punctures?” In short, yes, many warranties exist to cover the ramifications of road hazards such as nails.

You may be asking, “does insurance cover tire blowout damage?” If there was no damage to the car, but just the tire, it would often not be considered to be a covered circumstance. In that case, you would need roadside assistance insurance.

We’ve all been there: You fumble in your pocket for your keys in the parking lot of the grocery store, only to find lint and air. You look through the window and see your keys hanging from the ignition.

This, along with tire blowout repair cost, is what roadside assistance insurance is for. Furthermore, some perks come along with it like at Progressive, for instance. Now before you go and file a Progressive tire burst insurance claim, let’s take a look at what you’ll get with roadside assistance from Progressive:

  • Assistance when you lock yourself out of your car
  • Discounts for various hotels and car rental companies
  • Towing after a tire blowout or other form of breakdown
  • Free maps and driving directions
  • Reimbursement for emergency travel expenses
  • Bail bond expenses for traffic violations
  • Legal defense assistance for traffic violations
  • Peace of mind

It’s important to note that roadside assistance insurance is not a replacement for liability insurance, collision insurance, or comprehensive insurance. Rather, it’s used in conjunction with regular insurance to have peace of mind in the case of something like a tire blowout.

You may be asking, what do tire warranties cover? 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. In this situation, you may be entitled to a tire replacement at the least.

Are tire blowouts really a big deal?

Yes, tire blowouts are absolutely a big deal, according to National Highway Traffic Safety Administration (NHTSA) data. Tire blowouts cause over 500 fatalities and over 23,000 accidents per year in the United States. In 2017 alone, there were 738 traffic fatalities in tire-related crashes.

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

To go even further with this analysis, that’s 10 fatalities for every state per year and over one accident a day per state — all due to tire blowouts.

Imagine you’re heading down the interstate and an 18-wheeler pulling up next to you emits a banging sound as its tire blows and flaps about. Fortunately, the truck is able to pull over safely, but it’s not hard to imagine it swiftly merging into your lane and slamming into your vehicle.

This could be a fatal situation, and you could be part of a scary statistic.

Now imagine you’re in a four-door sedan, traveling 70 mph in a 70 mph speed limit zone. You’re doing what you’re supposed to, right? Yes, but if you experience a blowout in one of your front tires, your vehicle will yank in the direction of the deflated or blown tire.

At that speed, it’s quite conceivable that your car could experience a rollover. At 70 mph the ramifications would be dreadful.

These examples are why preventative measures must be taken to ensure your safety and the safety of your loved ones, not to mention others on the road.

Here’s a video with some helpful tips.

These examples also are meant to show no driver negligence. While some tire failures can be prevented and are due to owner negligence in terms of tire maintenance, the truth is many blowout-related accidents can be directly attributed to structurally compromised tires sold by a variety of manufacturers.

Essentially, without proper care, what people pay for can lead to tragic results. So, let’s take a look at how these tragic results can be avoided.

Why might a tire blowout occur?

A number of things can cause a tire to have a blowout. Let’s look at a table showing a few reasons.

  • 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
  • Driving in inclement weather

If you have a tire that blows out, you’ll 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.

This is especially important when you are doing some bad weather driving, due to the fact that the vehicle would be far harder to move out of harm’s way, such as other sliding vehicles.

Just because you made it through the winter without a blowout does not mean you no longer need that roadside assistance insurance, though. Once the ice melts away for summer driving, there just may be some potholes to replace it, and these could wreak havoc on your tires as well.

Here is a video that shows what you do when your tire blows out.

Now, let’s move on to how you can prevent this situation in the first place.

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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 on a regular basis.
  • Make sure your tires are at the correct inflation and are rotated when needed.
  • Be wary when driving in hot conditions.
  • Maintain proper tire pressure.
  • Maintain proper tire rotation.

Let’s move on to what happens should you experience a blowout.

What happens if your tire blows out while driving?

If my tire blows, what should I do? 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 on 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.

Remember, despite common instinct, do not panic when you have a blowout. Remain calm, and slowly move your vehicle off of the road. Possibly most importantly, do not exit your vehicle unless you are entirely sure that it is safe to do so.

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

If you’re driving and have a tire blowout, you should get in touch with your insurance company right away. Your agent will help you determine whether 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 you through the steps to learn the answer to the question: “How do I file a car insurance claim?”. If the tire burst insurance claim 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.

As you can see, the final step is finding a reputable repair shop. To find one, you can check with AAA or the Better Business Bureau.

When you get a car, check its tire ratings. This can be done with numerous brands’ tire rating charts, such as information regarding the Walmart tire warranty for a blowout. Even when you’re at the dealership, you may see tire wear charts, tire tread depth charts, and so on. This should inform you about the individual company’s tire blowout warranty if the said warranty is available.

Buy what suits you and your driving needs, just as you would with insurance. Now that you know are tire blowouts covered by insurance, feel free too compare car insurance rates online by filling in your ZIP code below for FREE.

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Frequently Asked Questions: Are tire blowouts covered by insurance?

We hope we’ve answered all your questions, but if you want to learn more, below are some frequently asked questions about tire blowouts.

#1 – How much does it cost to fix a blown-out tire and what kind of damage can a tire blowout cause?

If you catch it early it could be as little as $15–$30, and a tire blowout could cause damage to other vehicles around you ranging in severity from a fender bender to a pileup.

#2 – Can a tire blowout be fixed and is a tire blowout considered an accident?

If it is a shoulder puncture, maybe. If you have a sidewall puncture, no.  A tire blowout is not considered an accident unless other vehicles are involved.

#3 – Do tire warranties cover nails or flats?

Many warranties cover damage due to road hazards, such as nail punctures and the repair cost is covered for the warranty’s duration.

#4 – Do tire warranties cover dry rot or sidewall damage?

If the dry rot happens significantly earlier than it should or if the damage is due to a manufacturing or workmanship error.

#5 – Do tire warranties cover punctures or blowouts? Do tire warranties cover bubbles?

Yes, if they are the result of a manufacturing error. They are not tire insurance companies, however, and don’t cover accidents.

#6 – Does a tire warranty cover nails or sidewall damage?

Yes, almost always in the case of a nail.  In the case of sidewall damage it would have to be a manufacturing failure.

#7 – Does Geico cover tire blowout?

If you have Geico Emergency Road Service. What about other companies? Does State Farm cover tire blowouts? Some coverage is available with roadside assistance, but not the tire.

#8 – Does car insurance cover tire blowout damage?

Most likely not, unless it was due to theft, vandalism, or a vehicle collision.

#9 – Is tire blowout damage comprehensive or collision?

Comprehensive will pay for damage to the vehicle caused by the tire blowout, but not the tire itself.

#10 – Does a warranty cover a blown tire? What does a tire warranty cover?

Road hazard warranties will cover repair or replacement fees for flat tires. What does a tire and wheel warranty cover? Usually, the warranty protects the consumer from manufacturing defects or faulty materials used in the tire. It also covers a vehicle in the event of damage caused by a road hazard, such as glass, potholes, debris, and nails.

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