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Does my car insurance cover stolen tires?

The lowdown...
  • Basic liability coverage will not cover stolen tires and rims; collision coverage also does not cover theft
  • Comprehensive car insurance can provide coverage for stolen tires, subject to the limitations of the policy
  • It is important to document your customizations and ensure that your car insurance provides coverage for specialized parts
  • Filing a police report will help you file an insurance claim for stolen tires and rims

When you wake up or come outside to discover stolen wheels and rims, it can be extremely disheartening. You may wonder whether this type of damage to the car will be covered by auto insurance.

In practice, the answer varies from person to person. It is dependent on a few key issues, including whether a police report was filed and the details of the coverage provided by your particular car insurance policy.

There are many options available to drivers when choosing a car insurance policy.

The options available depend on which of the following categories you fit into:

  • own your car
  • lease your car
  • paying off a loan

The various types of car insurance provide different levels of coverage for theft-related damage to your car.

Compare car insurance quotes to find the protection you need at a price you can afford. Enter your zip code above to get started.

What types of car insurance policies are available?

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The most basic type of auto insurance available is liability insurance. This insurance is mandated by the state and covers damage to other drivers and passengers, their cars, and their property. It is only available as an option for vehicles that you own outright.

Your coverage depends on the type of policy that you choose. Collision insurance, on the other hand, covers damage caused by an auto accident.

While this type of insurance can cover some damages to your tires or rims, it wouldn’t be applicable to theft.

Comprehensive car insurance, on the other hand, could provide coverage for your stolen wheels, tires, or rims, depending on the specifics of your policy.

When choosing a car insurance policy, it is important to compare the options provided by different insurance companies. You can shop online to find the option that is best for you and offers the highest value and most appropriate coverage for your situation.

Does my car insurance cover stolen wheels and tires?

In order to make sure damage from theft, vandalism, weather or other events beyond auto accidents are covered by your car insurance, you need a comprehensive policy.

A comprehensive policy aims to be wide-ranging, providing coverage for a range of damage that a car could experience.

However, even so, custom parts installed aftermarket like specialized tires and rims are not always covered by a standard policy. Every insurer can have a different policy on this issue.

When choosing your car insurance, it can be important to find out exactly what your specific policy covers. Sometimes, when a standard comprehensive policy does not cover custom work, you can purchase a special addition or rider to the policy for custom parts and equipment.

You may find this type of coverage useful, especially if custom rims and wheels are only part of your interest in a customized vehicle. This coverage can help to provide coverage for:

  • roll bars
  • spoilers
  • performance suspension
  • specialized electronics
  • custom paint
  • alloy wheels
  • other items

In some states, there may be $1,000 or more of coverage for custom aftermarket parts included in your comprehensive coverage.

Compare the options available online to find out if your car insurance choice can provide the options that you need to protect your customizations. You can search to find the best type of policy to meet your needs.

Challenges in Custom Coverage

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Unlike most vehicles, it is difficult for an insurer to set a standard cash value by looking at a reference like the Kelley Blue Book. This lack of a standard can make insuring custom parts and customized cars more difficult.

When choosing a new insurance company, inform your insurer of the custom parts or performance accessories you’ve installed in your car. It can also be useful to provide receipts, documentation, and photos of the parts on your car.

You can shop around and compare options to find an insurance company that provides a rider that suits the needs of your custom wheels and rims. You can compare the options online to find the best combination of value and coverage to meet your needs.

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What if the custom parts are stolen with the entire car?

If you’ve lost your custom wheels and rims because your car was stolen, you could have coverage if you have comprehensive auto insurance.

However, even in this case, the policy may not pay out for the custom additions beyond the standard value of the car, unless you have the right type of insurance that would provide coverage for the customizations.

However, if you have a comprehensive policy with theft coverage, you will find that the greater loss – that of the car itself – will be covered.

If you’re concerned about car theft, you can look online to find the options available to you for comprehensive car insurance that provides protection against theft.

What about filing a police report?

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Filing a police report can be very important in securing insurance coverage for your stolen tires and rims. A police report detailing the theft can help to provide proof to your auto insurance company that verifies your claim about the stolen equipment.

Because filing a false police report is a crime, a verified report is treated as very important evidence by the insurer.

A police report could also be helpful in case you need to file a claim with another type of insurance. In case you do not have comprehensive car insurance or a policy that covers customizations, you may want to look at your renter’s insurance or homeowner’s insurance policy.

Some of these policies treat rims and wheels like other stolen property, especially if the theft took place at your residence.

What other information can help to support my claim?

Receipts and proofs of purchase can also be important in making a claim against your comprehensive car insurance policy for stolen tires and rims.

If the stolen parts were installed by the factory, this is not necessary, as they have a standard value. However, most tires and rims targeted for theft are custom options.

These receipts can help to prove the value of the items as well as the legitimacy of your claim of theft. It is important to save receipts for custom auto work, including for auto work on used cars that you have purchased.

When your claim is accepted, the amount of compensation you receive could depend on the limits of your coverage. In general, the insurer will reimburse you for the replacement value of the items.

This value may include a depreciation value; you will be reimbursed for the value of used rims and wheels rather than for brand-new items, depending on the age of your stolen items.

However, some comprehensive policies provide full-value replacement coverage that provides full reimbursement for the value of new parts.

When you’re looking for an insurance policy, you can compare the options online to find the best choices and highest value for your car and situation.

Comparison shopping can help you to choose the car insurance policy that meets your needs. Enter your zip code below to compare today!

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