Insurance–it’s everywhere. One can insure just about anything. Are tires an investment one needs to insure? Tire insurance, also called a road hazard policy, road hazard warranty, or tire reimbursement plan, is a rapidly growing industry in the automotive world.
Tire warranty plans pay in full or in part for the replacement or repair of damaged tires and/or rims from “road hazards.” Road hazards are defined as pot holes, debris, nails, wood, and other hazards found in the road. Curbs, sidewalks, and stone walls are not road hazards. This is an important distinction to consider when deciding if tire insurance is right for you (discussed further ahead).
Tire plans last for a specific period of time and tire wear tread-depth. Some plans last 2-3 years. Others can last 5 years or 60,000 miles. Several plans come with fixed amounts of coverage: $500 per year up to 4 years. Many contracts require three years of law school to comprehend. In terms of tread depth, a tire is usually considered worn out (and thus the plan null and void) at 2/32 to 3/32 of an inch.
Another important distinction is in the type of plan.
Tire Repair - Do it Yourself
Tire reimbursement plans are just what they say. You, the plan holder, will be reimbursed after the claims process is finalized–usually 2-8 weeks. There is an out-of-pocket expense. These plans are often sold by new car dealerships. The prices can range from $300 to $600 dollars.
Road hazard policies operate similarly to reimbursement plans. However, some tire insurance providers, in partnership with the repair facility, may have a direct-pay relationship. Thus, there would be no out-of-pocket expense, except for applicable deductibles, and items not covered in part or in full. These plans are primarily sold by tire dealers and repair shops. The prices range from $10 to $30 per tire. They also can be based on a percentage of the cost of the tire: usually 12% to 15%.
Both types of plans have a number of variables, requiring a magnifying glass to read the fine print. Also, many are pro-rated warranties, covering only a percentage of the cost of the tire based on its wear.
Claims and Coverage
Depending on the plan, claims are initiated by the repair shop. The process is fairly smooth, although there can be a significant delay from the provider for authorization. This delay may be an hour or an entire weekend. This means that you’ll have to “ok” the tire replacement, and then hope it’s authorized for the full amount, or drive on your spare.
Another interesting note is that a lot of tire damage is caused by curbs. Curb damage is not covered under most road hazard policies. High granite curbs with sharp edges slice through tens of thousands of tires per year.
You Won’t Notice
Many people don’t even notice tire damage. Other than to see if the tires are holding air, who “really” looks at tires? Tires are subject to a whole host of external influences which cause bubbles, slices and gouges. Despite the potential dangers of damaged tires, the damage very often does not translate into any noticeable drivability issue. The point is that if you don’t notice any tire damage you can’t benefit from the coverage.
Those raving about the benefits of a road hazard policy are the actual folks in the industry who stand to benefit from the sale. They’ll argue that it’s so cheap–only $10 to $20 per tire. Even so, for four tires, that’s $80 based on the “possibility,” the “chance,” of damaging a tire that meets the repair/replacement requirement protocols.
If a rim and tire has incurred significant damage, it’s quite likely that other problems have resulted as well. The first is that the vehicle may have been jarred out of alignment. Secondly, hub bearings, front end components: tie rods, spindles, ball joints, and a variety of other components may have sustained damage. In this case, auto insurance, which you are already paying for, will pay for everything–brand new.
Free Road Hazard Warranties
Many tires come with road hazard warranties FREE. In other words, in an effort to secure retailers, many tire distributors provide service centers FREE road hazard insurance. Some shops pass this on to their tire customers, others sell them. Ask if the tire “comes” with a road hazard protection policy. If not, request that one be provided at no additional charge. It’s worth a shot.
How to Start Your Own Mobile Tire Installation Service Business
Also, some car manufacturers provide road hazard warranties FREE of charge for 12 months or 12,000 miles. If you’re buying a new car or even used, ask that the dealer provide a complimentary road hazard policy (after all the wheeling and dealing is done, of course), and just before you commit.
What’s the best road hazard policy?
Money in your bank account.
4×4 Tyres For Sale in Midrand ?
Often times, motorcycles are running on narrow tires which do not run on flat surfaces. This is completely different than how car tires work. Lately, however, motorcycle tires have been manufactured with wide proportions. Skeptics would tend to ask, what effect do wide tires have on motorcycle handling? This article will explain about this query and more.
The Rear Difference
Motorcycle tires with wide rears do not work the same with cars that have them. They have the tendency to tread more, therefore creating a situation where the motorcycle pushes through the turns instead of going around them. Since this is a very dangerous way to go, most people, when selecting their motorcycle tires, opt to have the front wider than the rear. The motorcycle actually appears to be more responsive with this type of tire. Still, you have to be very careful because the ride may still be a bit twitchy due to the combination of a short wheelbase and a wide front tire.
The Real Score
If your motorcycle tires are wide, they will obviously make wider footprints. Apart from this, it does have an effect on how you handle your vehicle. If you check your motorcycle's manual and consult its manufacturer, you will find that there are suitable widths for various types of motorcycle tires and suitable adjustments that need to be made on motorcycle apparel.
If you fail to read the guidelines, you will see that if you happen to have your motorcycle too wide, the inner parts of your vehicle will be struck and this may interfere with your road performance. Your driving will be a bit off. So it is best to have the width proportional to your motorcycle's other parts because you do not want to risk purchasing other parts that will give you a dangerously hard time on the road.
How to Buy Tires for Less
A do-it-yourself tire repair can be possible. If you know what to do and if you have what you need, then repairing a tire need not be a very hard task for you.
Here are simple do it yourself steps for a flat tire repair.
1. Deflated tires, in order to be evaluated easily must be removed form the car. When doing this, make sure that you set the emergency brake or you have placed a wedge under the tires to keep it from moving.
You can repair a deflated tire caused by a puncture on the tread (or the part that comes in contact with the pavement). But if the tire has been thoroughly blown out, lacerated, or has pronounced damage then this is the time you have to pass. These instances require professional tire repair.