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Will My Car Insurance Coverage Pay for Running over a Nail?

Jan 11, 2023

Auto Insurance

Will My Car Insurance Coverage Pay for Running over a Nail?

Many people purchase car insurance coverage to protect themselves and their vehicles from financial loss due to theft or damage. But what happens if you run over a nail and your tire blows out?

In this article, we provide you with a complete rundown of options if such an unfortunate incident were to happen.

Tires and Insurance

Car insurance coverage does pay for blown-out tires. However, coverage is available only if your tires get damaged in an accident or are stolen or vandalized. In such instances, your tire will be covered by both comprehensive and collision car insurance coverage. Nonetheless, it will not cover tire damage caused by typical wear and tear.

If That’s the Case, Will My Car Insurance Cover Me for Running over a Nail?

Your car insurance coverage will not pay for running over a nail as it is often regarded as normal wear and tear.  Generally, even collision or comprehensive insurance won't cover tire damage caused by a nail. However, your auto insurance might pay for the damage if hitting the nail in some way led to a collision that damaged your automobile.

Reasons Why Your Insurance Does Not Cover a Nail in Your Tire

Auto insurance companies won't cover a nail in your tire because they have no way of knowing whether the tread on your tire has worn thin or the driver’s negligence caused it. Furthermore, they are unsure if you maintain acceptable tire pressure, whether high or low. Therefore, a nail in a tire is regarded as part of your car's natural wear and tear.

Although sometimes, irrespective of the situation it isn't always prudent to submit a claim. This is due to the fact that if the cost of repairing or replacing your tires is less than your comprehensive or collision deductible, you would be required to pay for the damage out of pocket, whether you filed an insurance claim or not.

Run over a Nail? Here is an Alternate Option

Getting roadside help is one approach to deal with running over a nail. This includes:

  • getting fuel
  • getting your car towed
  • paying for someone to help replace the tire

These helpful services have minimal monthly fees, most times as low as $15 to $20 per month.

Get All Inclusive Coverage with Humble Insurance Group

To avoid being unprepared in the event of an emergency, it's crucial to understand what car insurance coverage does not cover. Contact our professionals at Humble Insurance Group if you have any questions about your insurance. We will ensure you get the right coverage at competitive rates!

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