How many times have you noticed three of your car’s tires have been slashed while taking a brisk walk at night? Along with being alarmed, you would also wonder why three tires instead of four had been slashed, thinking that it was vandalism or theft. Thieves often take advantage of this loophole by assuming insurers will only cover four tires if they are damaged. Conversely, however, is true.
This blog post discusses the myth of three tire insurance laws, their legal ramifications, and steps to protect your car tires.
Table of Contents
Three Tires Rule: History
In recent months, there has been significant growth in the online community and social media discussion surrounding the “three tires” rule. I am not familiar with where this idea originated, but it has become widely popular through social media as a method to annoy car owners without triggering a full insurance claim.
What is the reason for Why Do You Only Slash 3 Tires?
The misunderstanding of the insurance company’s coverage has not been traced back to any particular source, but you might guess that it began in discussion forums or among individuals who are unfamiliar with the policy. The opposite is true, unfortunately. Vandalism is one of the most common reasons for insurance companies to have specific policies. The type of coverage you purchase and the condition of the vehicle are taken into account when determining how much insurance you need. No matter how many tires your car has, you shouldn’t worry about slashed ones, twos, threes, or fours.
Why Do You Only Slash 3 Tires?
People believe that insurance companies will not compensate if all car tires have been damaged under comprehensive coverage. Furthermore, they believe that people will be responsible for paying for only three damaged tires, and no insurance will cover the cost.
You can protect your vehicle against theft, natural disasters, and vandalism with comprehensive coverage. The policy provides coverage for the repairs of your car tires if they are damaged. There is no need to consider the number of tire slashes.
Claims Procedures for Slashed Tires
- Begin by collecting all relevant evidence, including photos, videos, and other documents, before contacting your insurance company as soon as you witness the incident.
- Before purchasing comprehensive coverage, you will need to discuss the terms and deductibles with your insurance provider. Additionally, you should ensure you have the If you are a driver, you will need to provide your driver’s license, national identification card, and other relevant documents. You will need to provide your identity and ownership of the vehicle after submitting your driver’s license, national identity card, and any other document that proves your identity.
- An assessment of the situation would be made by the company prior to coverage being provided. As long as the type of incident that caused your vehicle damage is taken into consideration by the insurance company, the amount will vary.
- In the event that you are approved for a claim, your tires will be repaired or replaced, and your insurance deductibles will need to be paid. The remaining costs will be covered by your company. Your insurance company will reimburse you once your receipts have been kept safe. Make sure all records and documents are kept in a safe place.
Why Would Someone Slash Your Tires?
When you discover that your vehicle’s tires have been slashed, you may experience severe stress. Nevertheless, if you find yourself in this situation, you can follow these steps.
Also Read: WDROYO Auto Insurance
Secure Yourself
Safety comes first. Even though this situation may be upsetting, it is best to move to an area that is less dark or isolated and remain calm.
Damage documentation
Try to take as many pictures of the damage as you can while you wait. You can use them as evidence to obtain compensation if you take pictures from different angles.
Authorities should be contacted
If you see an accident of this nature, call the police right away. You can share any relevant information with them, including pictures. Make sure you get a photocopy of your report when filing for it, since insurance claims will depend on it. In order to file a case, you should bring identification documents as well as proof that the car belongs to you.
Insured should be notified
If you are involved in an accident, it is important to notify your insurance company, and you should provide all relevant information, including police report numbers, insurance documents, and photographs taken during the incident. Your insurance policy should clearly outline your coverage details and deductibles.
Fix the problem
You must take your car to be repaired after reporting it to the appropriate department. During severe damage to your car, you may be incapable of driving it, so you should have it towed to a Buying and selling.fYou should then take precautions so that similar incidents won’t happen again by maintaining your vehicle. That way, similar incidents won’t happen again.
Why Is It Illegal to Slash Tires?
Crimes of vandalism are criminal acts, with punishments according to the scale of damage. In the case of minor damages, misdemeanor charges will be filed. However, if the damage is greater, these charges may be classified as felonies.
Impact on Long-Term Consequences
People’s lives can be impacted by vandalism for a long time. You may have fewer job opportunities because most employers conduct background checks on individuals, and vandalism charges may raise red flags. In addition, it can affect your studies, housing options, loan repayment timeline, and personal life.
Indemnity
Civil lawsuits can also follow vandalism. A civil suit can be filed against them if they cause damage to civil property. There may be a requirement to compensate them for the entire cost of their vehicles. It is possible for the court to award punitive damages in certain circumstances, which helps deter future occurrences of the same kind.
What Should You Do to Prevent Slashing Tires?
You can prevent vandalism by following these steps and avoiding having your tires slashed.
Keeping your car in a secure area
Make sure you park in a high-traffic area. Having more people around makes your car less likely to be targeted. In addition, consider building garages or parking lots that are secure. Your car will be more secure with these facilities, which will reduce criminal activity.
Camera installation
With CCTV cameras, you can detect or alert anyone about any unusual activity around your vehicle, and if you integrate them with your smartphone, you can receive alert messages as well. It is also beneficial to install dash cameras that have parking mode in order to record any unusual activity around your vehicle.
Security systems for cars
You can also make your vehicle more secure by installing a car alarm because it will sound if anything suspicious happens near it. Send alerts by connecting it to your smartphone.
Coatings for protection
You can also secure your car by using wheel locks. The tires will therefore be harder to damage if thieves try to damage them. Car covers can also be used to protect your vehicle. Adding this to your car’s protection will prevent it from being attracted.
Claims for slashed tires
When you discover your tires have been slashed, follow these steps to file a claim effectively:
- Snap clear photos from a variety of angles of each damaged tire. Police and the insurance adjuster will find this information helpful.
- Call your local police department and file a report. Police reports can be useful in supporting your claim.
- Contact your insurance company. Make sure your insurance company is aware of the incident and that you have provided your company with the police report number as well as any photographs of the damage.
- Submit any required documentation. Insurance companies may request additional documents. Don’t let delays occur by not submitting everything they need.
- Request a damage inspection From time to time, insurance companies require that an adjuster inspect the vehicle before processing a claim. The inspection will need to be scheduled in advance.
- Locate a repair shop Select a repair shop, either from the insurer’s recommendation list or your own choice.
- Completing the repairs and paying the deductible If you have a deductible, you must pay it before any repairs are covered. The claim must be closed by completing the repairs.
FAQs about Why Do You Only Slash 3 Tires
What’s the point of slashing 3 tires rather than 4?
Perhaps you only damaged three tires because of insurance policies. The idea that insurance won’t cover damage if only three tires are slashed is a common misconception, leading to the belief that there will be no insurance claim. There is no relationship between the number of slashed tires and the value of a claim. It is determined by the amount of coverage provided.
What are the benefits of insurance coverage for slashed tires?
Slashed tires are typically covered under comprehensive car insurance. No matter if one tire is damaged, two tires, three tires, or all four tires are damaged, it is covered. Be sure to review the details of your policy and the amount of your deductible with your insurance provider.
Is It Legal to Slash Tires?
If the damage is severe enough, slashing tires can be charged as a misdemeanor or a felony. In addition to fines and community service, probation and imprisonment can also be imposed as punishments. In addition to being punishable by a criminal record, vandalism can also negatively affect employment, education, and housing opportunities in the long run.
What is the legality of slashing tires?
In addition to filing criminal charges, you may also sue for damages against the perpetrator. Vandalism can be deterred from occurring in the future by awarding punitive damages.
Conclusion
Rumors suggest that insurance companies will only cover three slashed tires instead of four. The companies must address these issues in order to keep people from becoming confused. Furthermore, we discussed how to protect your car and the reasons behind only slashing three tires. Do you have any suggestions on how to deal with situations like this? Take into consideration the scenario of slashed tires. Taking steps to ensure your safety, documenting the damage, and filing an insurance claim are necessary for compensation in these situations.
