Does Auto Insurance Cover Flat Tires?

Auto insurance doesn’t usually cover flat tires by default — but certain types of coverage or policy add-ons can help when it matters most. Whether your tire is damaged in a crash, vandalized, or goes flat on the side of the road, you may have more protection than you think. Here’s what to know.

When Flat Tires May Be Covered

1. After an Accident

If your tire was damaged during a covered collision, it may be included in your claim. For example, if another driver hits your vehicle and causes a tire to blow out, your collision coverage would typically cover the damage.

2. Due to Vandalism or Theft

If your tires are slashed or stolen, it might be covered under other-than-collision coverage (sometimes called extended coverage). This applies to non-accident-related events such as:

• Vandalism
• Theft
• Fire
• Natural disasters

3. With Roadside Assistance Add-On

Many insurers offer a roadside assistance or towing and labor add-on. If you have this coverage, it may include:

• Flat tire repair or replacement assistance
• Towing to a repair shop
• On-the-spot tire change (if you have a spare)

When It’s Not Covered

Standard auto insurance usually won’t cover flat tires that are:

• Caused by normal wear and tear
• The result of running over nails or debris
• Due to underinflation or poor maintenance

These are considered part of vehicle upkeep and are not viewed as insurable events.

How to Get Flat Tire Coverage

If you want peace of mind, you can:

• Add roadside assistance to your policy
• Purchase tire protection plans through auto clubs or tire retailers
• Choose extended coverage that includes vandalism and theft protection

Tips to Prevent and Handle Flat Tires

• Check tire pressure monthly
• Rotate your tires regularly
• Avoid potholes and road hazards when possible
• Keep a spare tire, jack, and roadside kit in your vehicle
• Know your insurer's roadside assistance contact number