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There is a common belief that if a person slashes three tires, the auto insurance company will deny the claim. However, this is not how coverage works. Your policy in Zionsville, IN may still provide protection.
The Number of Tires Doesn’t Matter
Contrary to popular belief, the number of tires slashed does not affect whether your insurance will help. Your policy may still provide coverage if one, two, three, or all four tires are damaged. The number of tires involved does not determine eligibility.
Level of Coverage Matters
Your coverage type determines whether vandalism is covered. Liability and collision insurance typically do not cover vandalism. Comprehensive coverage usually does. If someone slashes your tires, report the vandalism to local law enforcement and obtain a police report. Then speak with an agent at Completely Independent Insurance Agency to confirm whether your policy includes comprehensive coverage.
Deductible Amount
Always consider your deductible before filing a claim. The deductible is the amount you must pay before your insurance pays the remaining cost. In some situations, replacing your own tires may be more affordable than filing a claim. Contact local tire shops to compare the cost of new tires with your deductible. Some insurers may also deny a claim if the total cost of repairs is less than the deductible.
Rental Car Costs
Another myth is that your auto insurance will automatically cover the cost of a rental car if your tires are slashed. This is not always true. Some insurers include rental reimbursement with comprehensive coverage, while others offer it only as an optional add-on. Review your policy or speak with an agent to confirm whether you have this benefit.
An agent at Completely Independent Insurance Agency can help you better understand your policy and debunk common insurance myths. We proudly serve the Zionsville, IN area. Reach out today to learn more about how your coverage works.