auto

Will Auto Insurance Replace Your Tires?

Posted on by AgentInsure

Vehicle owners in Hope Mills, NC, often find themselves spending hundreds on new tires. You may need them due to vandalism or normal wear and tear. There are several situations where your auto insurance policy may be able to assist. 

Type of Policy

Whether your insurance will cover a new set of tires typically depends on the type of policy you have. Liability insurance only covers damage to another person’s property if the accident is your fault. Other policies, such as collision and comprehensive, may help if a covered peril occurs. 

Covered Perils

Insurance policies will pay for damage if it’s due to a covered incident. Commonly covered perils include, but are not limited to: 

  • Vandalism
  • Certain natural disasters
  • Accidents

These vary depending on your policy and insurance company. An agent at Cross Creek Insurance can help you learn what events your policy covers. 

Common Exclusions

Many policies also have specific exclusions. For example, auto insurance will not cover everyday wear and tear. If you need a new set of tires because they’re old and worn out from driving, you are responsible for the cost. Policies also don’t cover events that aren’t covered by your current policy. For example, if you are found at fault for an accident, but only have liability insurance, your policy won’t cover any damage to your vehicle. 

Some policies also specifically exclude theft and vandalism. This can depend on where you live. The best way to determine whether your policy will cover new tires is to contact an agent at Cross Creek Insurance. We’re currently serving the Hope Mills, NC, area. We are happy to answer any questions you have. 

How Tire Maintenance Plays a Role in Protecting Your Car

Posted on by AgentInsure

When people think about protecting their car, they often focus on getting good insurance or parking in safe places. However, one of the most overlooked ways to keep your car safe is through something simple: tire maintenance. At Cross Creek Insurance in Hope Mills, NC, we remind our clients that taking care of their tires isn’t just about performance. It’s a key part of keeping your vehicle protected.

Tires Do More Than Keep You Moving

Your tires are the only part of your car that touches the road, making them critical to how your car handles, brakes, and responds in various weather conditions. If your tires are worn out or underinflated, your risk of getting into an accident increases. While your insurance may help cover damages, it’s always better to prevent accidents in the first place.

Regularly checking your tire pressure, rotating your tires, and replacing them when the tread is too low can make a significant difference. These simple steps improve your car’s grip on the road, especially during rain or sudden stops. Tire maintenance is about avoiding situations that could lead to a claim or, worse, an injury.

Insurance and Maintenance Go Hand in Hand

Auto insurance is there to help when something goes wrong, but staying on top of basic maintenance like tire care is one of the best ways to reduce risk and protect your investment. At Cross Creek Insurance in Hope Mills, NC, we’re here to help you stay protected from every angle. If you want to ensure your coverage aligns with your commitment to safety, give us a call today.