Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

Full Bio →

Written by

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

Full Bio →

Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 23, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Key takeaways...

  • Basic auto insurance policies provide coverage for car accidents only
  • Comprehensive insurance covers for non-driving related incidents
  • How the tires were slashed will determine if insurance covers the damage

There’s not much that’s more upsetting than coming out to your car to find that your tires have been slashed. When this happens, you will need to replace the tires before you’re able to drive.

However, you have to look at whether auto insurance covers the cost of replacing the tires when they have been slashed.

One of the first things to explore is what a basic insurance policy will cover. If you choose to get the minimum level of coverage required by the state, you will have liability insurance for property damage and bodily injury.

Slashed tires are considered an act of vandalism and therefore won’t be covered inside a basic insurance policy. If you only have basic coverage, you would be responsible for replacing the tires on your own.

If you are concerned about your vehicle’s safety and want better auto insurance, compare at least three to four policies today and find the best auto insurance for you! Enter your ZIP code above!

How an Act of Vandalism is Covered

AdobeStock_66413216-1600x1600

An act of vandalism is considered to be anything that is done to your car without your knowledge. In addition to tires being slashed, it also includes broken windows, keyed doors, and more.

Vandalism is a non-driving related incident and is therefore covered under comprehensive coverage.

In most states, comprehensive insurance coverage is an add-on that is not required by the state. The only reason it might be needed is if a lienholder deems it mandatory because of the nature of the loan.

If you want auto insurance to cover the slashed tires, you would need to have comprehensive coverage on your policy. When searching for coverage, it’s a good idea to look at quotes that include comprehensive coverage.

Comprehensive coverage is generally only a few dollars more per month. Having comprehensive coverage pays off in the end if you ever have to file a claim.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Filing a Claim with Insurance

adobestock_53662132-1600x1600

When you find that your tires are slashed, you will need to file a claim with insurance as soon as possible. The insurance company can then begin conducting their investigation.

If your tires were in fact slashed as an act of vandalism, the insurance company should take care of the costs if you have comprehensive coverage.

Compare Car Insurance Companies

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

However, there are going to be instances when your coverage is denied because the tires were not slashed. Such instances include:

  • Slashing your own tires after getting a flat
  • Driving over tire spikes
  • Not following traffic laws which result in tires tearing

You will often be required to have an appraiser look at the tires. The insurance company will be able to determine if the tires were slashed or if something else happened.

As such, it’s of the utmost importance that you are completely honest from the beginning as to how the tire damage happened.

How to Determine How to Proceed with Slashed Tires

AdobeStock_49170870-1600x1600

Any time you file a claim with the auto insurance company, you are required to pay your deductible. This deductible varies from policy to policy.

Some people set their deductible low and pay a higher premium. Others choose to set the deductible higher as a way of getting a lower premium.

Once you file a claim, you will know the cost of replacing the tires once you go to the appraiser. If the cost of replacing the tires is $600, then it’s more cost-effective for you to pay a $500 deductible and let the insurance company take care of replacing the tires.

However, if you have a $1000 deductible, it’s better for you to replace the tires on your own.

Much of this is going to depend on how many tires were slashed and what kind of vehicle you drive. Larger cars, such as SUVs, often have larger tires that are more expensive.

In the end, auto insurance will cover slashed tires if you have comprehensive coverage in place. Depending upon your deductible and the cost of replacing the tires, it may or may not be worth it for you to go through the insurance company to handle the replacement.

Ultimately, it’s important to get the right coverage so that you have more options when something happens to your vehicle.

Looking for better auto insurance with comprehensive coverage? Enter your ZIP code below and start comparison shopping today!

References:

  1. https://www.nhtsa.gov/sites/nhtsa.dot.gov/files/one.pdf
  2. http://www.iii.org/article/what-covered-basic-auto-insurance-policy
  3. https://wallethub.com/edu/types-of-car-insurance/9636/
  4. http://www.iii.org/article/how-do-i-file-claim
  5. https://www.allstate.com/tools-and-resources/car-insurance/what-is-comprehensive-auto-insurance.aspx