Running over a nail can cause a flat tire and disrupt your day, leaving you to wonder if your auto insurance policy will cover the repair or replacement costs. While this might seem minor, understanding how auto insurance works in such scenarios can save you from unexpected expenses. Knowing what your policy covers is essential to determine whether filing a claim is worthwhile.
Auto Insurance policies come with different levels of protection. Comprehensive coverage is designed for non-collision-related incidents, such as vandalism, theft, or damage caused by falling objects. However, damage from running over a nail is typically not included under comprehensive coverage, as it is part of routine maintenance.
Collision coverage, on the other hand, applies to accidents involving collisions with other vehicles or objects. While it covers significant damage, it usually does not extend to minor incidents like a flat tire caused by a nail.
If you have a roadside assistance plan included with your auto insurance, it might cover the cost of towing your car to a repair shop or even help with replacing the tire. However, the repair or replacement of the tire itself may not be covered. Reviewing the terms of your roadside assistance coverage can clarify what services are included.
Filing a claim might not be the best option for minor incidents such as running over a nail. Most auto insurance policies include a deductible, which you must pay out of pocket before coverage applies. In many cases, the cost of repairing or replacing a tire is less than the deductible, making handling the expense more practical.
Additionally, frequent claims for minor incidents could increase your insurance premiums over time. Reserve insurance claims for more significant, costlier events are often better.
Inspecting your tires regularly can help you identify damage early and avoid more significant issues. Checking for nails, screws, or other sharp objects embedded in your tires allows you to address the problem before it leads to a flat.
Keeping your tires inflated to the recommended pressure and ensuring proper alignment can reduce the risk of damage. Well-maintained tires are better equipped to handle debris on the road, minimizing the chances of punctures.
Running over a nail is common for drivers, but standard Auto Insurance policies rarely cover it. While roadside assistance might help with towing, the actual cost of repairing or replacing a tire typically falls under routine maintenance.
At Jackstone Insurance Agency, we are here to help you understand the details of your auto insurance policy and ensure you have the right coverage for your needs. Contact us today or call us directly at (925) 392-8365 to learn more about protecting yourself from unexpected expenses on the road.
