Does tire and wheel coverage cover curbing

## Tire and Wheel Coverage: Does It Cover Curbing Damage?

### Understanding Tire and Wheel Coverage

Tire and wheel coverage is an optional add-on to auto insurance policies that provides financial protection against damage or replacement costs for tires and wheels. It typically covers:

– Tire damage: Punctures, flats, blowouts
– Wheel damage: Scratches, dents, bends

### Curbing Damage: Definition and Causes

Curbing damage refers to damage to tires or wheels caused by contact with the curb. This can occur during parking maneuvers, parallel parking, or driving over curbs. The most frequent causes include:

– Improper turning radius: Turning too sharply or at an angle that causes the tires to rub against the curb
– Inadequate distance from the curb: Parking too close to the curb, resulting in the tires coming into contact with it
– Low tire pressure: Underinflated tires can flatten and make them more vulnerable to curbing damage
– Obstructions or debris near the curb: Objects such as rocks, pieces of wood, or trash can cause tires to hit the curb unexpectedly

### Tire and Wheel Coverage and Curbing Damage

Does tire and wheel coverage cover curbing damage?

The answer is: Not typically.

Most tire and wheel coverage policies explicitly exclude damage caused by curbing. This is because curbing damage is generally considered to be the result of driver negligence or improper driving techniques. Insurance companies view it as a preventable type of damage that is not covered under their standard tire and wheel protection.

Exceptions:

In some cases, tire and wheel coverage may cover curbing damage if it can be proven that the damage was caused by a covered peril, such as:

– Pothole: If the curb was concealed by a pothole or other road hazard, and the damage occurred while trying to avoid the hazard
– Road debris: If the tire or wheel struck a piece of debris that caused it to hit the curb
– Manufacturing defect: If the tire or wheel was defective and caused the vehicle to lose control and hit the curb

However, these exceptions are rare and require substantial proof to be approved.

### Alternative Options for Curbing Damage Coverage

Since tire and wheel coverage typically does not cover curbing damage, consider the following options to protect yourself financially:

– Curb protection add-on: Some insurance companies offer a separate add-on specifically for curbing damage. This coverage may come with limited terms and deductibles, so it’s crucial to read the policy carefully.
– Personal auto insurance: While personal auto insurance generally does not cover curbing damage, it may cover the damage if it resulted from a collision with another vehicle or object.
– Credit card coverage: Some credit cards may offer extended warranty or damage protection for tire and wheel purchases. Check with your credit card issuer to see if this coverage applies to curbing damage.

### Preventing Curbing Damage

To minimize the risk of curbing damage, consider the following tips:

– Proper parking techniques: Park with ample distance from the curb, and avoid sharp turns that could cause the tires to rub.
– Adequate tire pressure: Maintain the proper tire pressure recommended by the vehicle manufacturer.
– Awareness of surroundings: Be aware of any obstacles or debris near the curb that could cause the tires to hit the curb.
– Curb feelers: Some vehicles have sensors or curb feelers that provide audible or tactile feedback when the vehicle is getting close to the curb.
– Slow and steady approach: Approach curbs slowly and carefully, especially when parallel parking or making tight turns.

### Conclusion

While tire and wheel coverage provides valuable protection against damage to tires and wheels, it typically does not cover curbing damage. To protect yourself financially, consider alternative options such as curb protection add-ons or credit card coverage. By following preventive measures and practicing responsible driving techniques, you can reduce the risk of curbing damage and keep your tires and wheels in good condition.