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Does Car Insurance Cover Bent Rims?

Most drivers are only required to purchase basic insurance coverage. This type of liability coverage protects you from paying out of pocket for damage to another person's car or property damaged in an accident. Liability coverage does not cover damage incurred by your own vehicle.  If you're in an accident caused by another driver, their liability insurance may cover your damages, but you have to wait for their insurance policy to process your claim. If they're uninsured or underinsured, you may be stuck suing them unless you have uninsured motorist coverage and/or underinsured motorist coverage.  If you have a more comprehensive plan, the exact coverage varies. Some cover only collisions while others cover more minor road damage such as rock chips, rim damage, etc. All this is partly based on your deductible. It's not necessarily worth making a $750 claim if your deductible is $500.

Where Can You Get Insurance That Covers Your Rims?

To cover damage done to your car’s rims you’ll need to purchase either collision coverage or comprehensive coverage. Ideally, you should have both as rim and tire damage could come from a lot of places. Collision coverage covers things directly involving a collision. But what happens if it’s a product of vandalism or debris on the road? This is where comprehensive insurance would come in.

Collision coverage covers damage to your vehicle after colliding with another car or an object, such as a tree or telephone pole. Comprehensive coverage covers damage incurred through any event other than a vehicular accident. Comprehensive covers things like weather damage, fire, theft and vandalism. Bent rims incurred during an attempted theft or through vandalism will likely be covered under comprehensive insurance.

If you just have your state minimums, you probably have liability-only. Liability coverage protects you from paying out of pocket for damage to another person’s car or property damaged in an accident. If you had minimum coverage and another driver damaged your rims, you’d need to file your claim through their liability coverage.

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Are There Exceptions to the Rule?

If you have comprehensive coverage and collision insurance, you may think your rims will be covered in an accident. There is one major exception to consider.

Custom parts are rarely covered by your insurance. If you decide to place aftermarket rims on your car you are liable for any damage done to them regardless of the circumstances unless you have add-on coverage to cover these specialty parts. If you are unsure of your insurance company’s policy on custom parts be sure to talk with them about what’s covered and what’s not.

Some insurance companies offer what’s known as custom parts and equipment coverage. CPE is an extra endorsement added to your policy that typically covers custom parts that are permanently installed in your vehicle. Coverage varies by insurance company and specific custom parts and equipment endorsements can contain any of the following:

  • Special equipment like roll bars, undercarriage lighting, bed liners, trailer hitches, running boards and customized rims.
  • Customized alloy or magnesium wheels
  • Suspension, spoilers and other performance-related equipment
  • Aftermarket anti-theft devices
  • Customized paint schemes.
  • Aftermarket electronics equipment like TVs, stereos and DVD players

Some states require insurance policies to include $1,000 of parts and equipment coverage as part of your collision or comprehensive coverage packages. You’ll need to check with your insurance provider for specifics, or speak with an Obrella agent to help you determine if you’ll need to purchase extra protection if you want coverage for your rims.

Whether you’re shopping for insurance for the first time or comparing rates with your current policy, an insurance agent can compare options from the type of coverage you need to pricing. Whether you want coverage for flat tires or just major collisions, you have options. Many plans include things like roadside service as add-ons.

For the right auto insurance policy, make sure you get at least three quotes. This way, you can see what different companies are really offering and decide on the plan that makes the most sense for you.

 

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