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If you reside in an area with severe winters, switching to snow tires is a wise decision for safety and performance. But what happens if those expensive tires are damaged in an accident? At Senz Insurance Agency Inc., providing auto insurance in the greater Beloit, WI region, we often hear from drivers wondering whether their auto insurance covers specialty tires like snow tires. The answer depends on your policy and the situation.
Does Standard Auto Insurance Cover Snow Tires?
Generally, auto insurance covers your vehicle as a whole, which includes the tires. If you’re involved in an accident and your snow tires are damaged, your comprehensive or collision coverage should help pay for repairs or replacements, depending on the circumstances. However, normal wear and tear or damage from improper use typically won’t be covered.
What About Theft or Vandalism?
If your snow tires are stolen or vandalized, comprehensive coverage may help replace them. This type of insurance protects against non-collision-related incidents, including theft and damage from vandalism. If you frequently switch between regular and snow tires, keeping a record of your purchases and installations can make the claims process smoother.
Should You Notify Your Insurer About Snow Tires?
Most insurance companies don’t require you to report seasonal tire changes, but if you’ve invested in high-end specialty tires, it’s worth discussing with your provider. Some policies may have specific limits on coverage for aftermarket additions.
Have Questions About Your Coverage?
At Senz Insurance Agency Inc., serving the community of Beloit, WI, we’re here to help you understand your policy and ensure you have the right coverage for every season. Contact us today to discuss your auto insurance needs and keep your vehicle protected year-round.
