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tire insurance-->
I know bmw dealers offer this when you buy a car from them. What does it cover? Does anyone have it? Is it transferable? Does it cover wheels too?
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Read the paperwork.
Normally such warranties are money makers for the dealers and the warranty company.
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Quote: | I know bmw dealers offer this when you buy a car from them. What does it cover? Does anyone have it? Is it transferable? Does it cover wheels too? |
I don't know what you got, but mine covers tires and rims. You need to go over the details. Mine covers pretty much most damages like going over a nasty pot hole, or shard glass or nails puncturing your tires.
A poster said that it is a waste of money, but I don't agree with that at all. I've gotten over 6 flats, with rim damage. I've gotten the last two covered by insurance, it also covered for new rims.
One down side, is that the insurance only covers for the original model tires and rims. So, if you choose to go with different tires or rims later, the insurance company won't cover it. I'm not quite sure how they check or enforce this rule, since when I go to the dealership for my wheel repair/replacements, I basically signed a form, and the mechanics didn't seem to give a hoot if I had another kind of rim on their or not. This is not to say, that they don't send the rims and tires to the insurance company behind the scenes.
Also, it's not like getting a speeding ticket. If you get a flat, and report it, your insurance does not go up. The company I deal with, Travel Gard, reimburses you right away. It took them about 2 weeks to send me a check.
They don't do direct deposit. And one other thing I didn't like, is that I had to fax them my claim forms and they gave me a minor run around. Ideally for me, the dealership and the insurance company should handle it.
Run flat tires are also more prone to puncture damage. The last flat I got was from a piece of 'innocent' looking glass. I also live in the city where glass abounds, as well as plenty of pot holes. To me, it was worth it, and given that my car, a 6er, is over $75k, a small bit of insurance was very little increase in cost.
I'd say they are worth it depending on the road conditions of your city, the kind of tires you have on (run flat or not), and the price you are paying for your car, and just how much you plan on driving.
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Thanks for the info. Much appreciated!
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Quote: | Thanks for the info. Much appreciated! |
Let me add also, that my insurance does not cover damage caused by going over a curb. This is the first flat I got in my 6er, and it damaged the tires and rims, and cost me like over $1000 in damage. There weren't any shops selling 6er rims and tires at the time, so I couldn't just shop around.
My insurance basically covers things that our out of my control. It's hard to see that piece of glass, or nail. You don't know if that pothole you're gonna hit will cause damage. That sort of random bad luck which everyone gets, it covers, basically.
However, going over a curb was my fault, and it was to avoid a car that swerved into my lane. Either damage the tires, or damage the side of my car. I chose the former.
I'm sure I could have gone to the insurance company and gotten reimbursed, but that would have been fraud. I paid right out of my wallet.
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I paid $399 that would cover any tire and rims mounted on my car for 5 years, no deductible, no max # of occurrences and $4000 max. There is also a minimum thread depth that the tire must have, don't remember exactly how much, but it sounded fair to me.
Basically I need to contact the insurance company once I have damage and BEFORE performing any fixes to get authorization #. Then I pay, submit the claim and they pay me back for the total cost.
With run flats, I thought this is a good investment..
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