So I have already left a message with our agent but Hubby ran over a nail in a construction area on the road tonight and curious if it might be covered by insurance. There was no way around the construction to get where he needed to go. in other words he wasn't just passing through.
They are replacing a bridge and redoing the road before it :(
I know that tires are not typically a covered item but I thought that maybe with the circumstances. Anyhow I know all insurances are different and what not but maybe this has happened to someone before and we can get peace of mind on whether it would be a definate no go or a possibility for ease of sleeping tonight!
Car was bought used so no info on tire warranty if any so I will just talk with insurance in the morning.
Thanks all my hubs is a mechanic and the location of the nail is not fixable at least fixable and safe afterwards. The only reason I think that it might just be covered is many years ago my windshield was cracked in a construction site due to flying debris. But that was a window so...? Night all
Did it tear up the tire? If not, just take it in to be plugged, it will cost about $12.00.. only takes a few minutes..
Why would you want to file a claim on your insurance and then pay more in premiums afterwards for filing a claim on a nail in the tire which is less than $ 20 to repair.
Even if the tire is not repairable, you will still pay woefully more in premiums than just flat out buying a new tire.
Are you looking to blame the company and try to get a new tire from them?
My time = money and I would not waste my time on this. I'd go to my tire company I frequent and get it fixed and be done with it.
I don't get your logic here!!
Your deductible alone is probably more than the cost of the tire. I would just buy a new tire and be done with it.
No, I am not even sure where your logic is. Just no
Even if there was negligence with the road construction, which it doesn't sound like there is, that would be you against the highway department without much chance of winning so no, you have no insurance claim.
No
Windows are always covered under your comprehensive, deductible and all. Unless it is a chip that is fixable by bonding.
Yeah...think you are barking up the wrong tree. You are talking about a tire that replacement cost of the tire will probably be FAR less than your deductible...
Only thing it would be covered under would be road hazard warranty on the tires from the place the tires were purchased new. Otherwise, find a tire place and have them plug it (presume it's repairable) - it should hold.
Doubtful. I just had 2 flat tires, one with a nail and one with a screw due to construction. It cost me $30 for both. Far less than my deductible!
Why would you file a claim and raise your insurance for an item that's WAY below any deductible?
We buy our tires from Discount Tire and that is covered under road hazards. I don't think insurance covers it. And if it did, there would probably be a deductable.
I'm an insurance agent, its not covered. The only thing that would cover it is if you got the extra warrenty on the tires when you bought them. Sometimes that covers nails free of charge. Don't ever file a claim unless its considered "major". In doing so it just makes your premium higher and its on your driving record forever. You would lose discounts such as "good driver" and "no claims". Good luck.
I work in auto claims and deal with this daily. I'm sorry, but this would not be covered. Don't file a claim because it will be denied and still be on your claims file list. :-(
Like some others are saying the deductible is probably higher than even the cost to replace the tire. I would take it to discount tire. If it's not fixable they sometimes have used tires they can sell you. I once needed a new tire, bought a used one from them and it was practically a new tire for $30 bucks.
Nope. You are going to have to cover the cost. I work for a construction company and the company trucks pick up nails that ruin tires all the time, and its up to us to pay for the replacement. And honestly if you call the construction companies office and ask them to pay for it they will probably tell you the same thing.
If you have already left the site, you probably have no claim against the construction company. Once my husband was driving on a road under construction and the construction crew rerouted the road and cars were made to detour off the road- it caused several flat tires and bent rims and there were a lot of mad drivers on the side of the road and several calls to emergency road side service. While waiting for the road size service, my husband walked over to the construction site and asked to speak to the supervisor. He also took lots of pictures with his cell phone of the unsafe road detour they had created. The supervisor came over and gave him a business card and told him he could file a claim. He also gave a card to the other people that asked. When the construction company was slow in responding, my husband called the municipality where the road was located and got someone from the city to get the claim paid (the construction company had to give the city a bond). It was an expensive claim because both the tire and the rim had to be replaced and so it was worth pursuing with the construction company and the city instead of our insurance.
