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» Insurance » Does full coverage auto insurance cover tires?
memberPosted by pleasehelpme 8 views.

Does full coverage auto insurance cover tires?


My car caught fire.. The problem is with the insurance companies... I'm not expecting anything because I gave liability insurance but my car melted my roomates car... She has full coverage.. Thankfully.. Her car is being covered except for the tires... If the tires got messed up in the accident why won't full coverage cover them... I think the insurance company is trying to pull a fast one
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member1 by MSAD 5 years ago.
Tires that are damaged in a covered loss are covered by the insurance policy.

HOWEVER, tires are subject to betterment.

Betterment is a type of depreciation that is applied to parts of a car that wear out (like tires and mechanical parts). Think of it this way - tires wear out and have to be replaced......fenders don't.

The purpose of insurance is to put you back where you were prior to the loss. Not better. Not worse.

So, if you had 80,000 mile tires on the car and had driven on them for 30,000 miles when they were damaged: then you did not get to use 50,000 miles. The insurance company owes you for the 50,000 miles you did not get. If they give you new 80,000 mile tires with out betterment - then you ended up better off after the loss.

Since your room mate is using her collision coverage, then her deductible will apply. The insurance company will write up the estimate to repair the car. They will subtract the deductible and any betterment from that amount and what's left is the amount she will get paid.

Therefore, the insurance company will price the cost of a comparable new tire and will subtract betterment.

Most likely the insurance company is covering the tires - just not the full cost of new ones.

If they are not paying anything at all on the tires, then that could mean your room mates tires were worn out and needed to be replaced prior to the fire. The tires had no useful life left in them. I've never seen this happen, but I suppose it's possible if the tires were wore flat out.
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Tags : Full*(1389), Coverage*(1907), Auto*(2847), Insurance*(40306), Cover*(4433), Tire*(100)

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