A tire blowout can catch any driver off guard, and Alabama roads see their fair share of road hazards. When it happens, most people jump straight to the same question: Does auto insurance through Magic City Insurance Group LLC, serving Birmingham, AL, actually help with the cost of tire blowouts? The answer depends.
How Insurance Looks at Blowouts
Auto insurance doesn’t treat every tire problem the same way. If the blowout came from a covered event, like hitting road debris you couldn’t avoid, collision coverage usually steps in. It might cover the vehicle damage caused by losing control or striking something afterward. The tire itself may or may not be included, depending on the policy language, which is where many drivers get confused.
What Isn’t Usually Covered
Normal wear and tear isn’t something insurers would commonly cover. If the tire blew because it was already worn down, underinflated, or simply at the end of its lifespan, that’s considered normal wear and tear, and it’s the owner’s responsibility. Alabama’s hot summers can accelerate tire aging, but it still falls under routine maintenance. Insurance isn’t designed to replace tires that fail from age alone. The same applies to blowouts caused by improper loading or neglected pressure checks.
Why It’s Worth Reviewing Your Policy
Tire issues can lead to bigger repair bills than people expect, especially if the blowout damages the suspension or body. That’s why it helps to know exactly how your coverage responds before an incident occurs. A quick review of collision and comprehensive options can clear up any gaps. If you’re unsure how your policy handles blowouts, contact your insurance representative at Magic City Insurance Group LLC, serving Birmingham, AL. We’re here to help you clear up any coverage confusion and help you decide if adjusting your auto insurance makes sense for how and where you drive in Alabama.
Comparing Quotes - Made Simple