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If I hit a tire in the road, is that considered a comprehensive claim?

I was driving behind an SUV and didn't have time to swerve out of the way of a tire on the road. Should I claim comprehensive? I didn't have time to see the tire on the highway and had to run over it as best I could. I tried to run over the tire in the middle of my car, but it was blown up and stretching across the whole lane. My right side tires hit the blow up a piece and part of the tire smashed my grill breaking some of the bumper and the fog light. It also did some damage under the carriage too. I now have a damaged bumper, grill fog light and probably tires that need re-balanced and aligned. I've never had a claim on my car before and my deductible is low. Should I claim comprehensive on this incident or will it raise my rates too much pending on how much it is?

Aug 18, 2018 Columbus, OH

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Ava Lynch

Insurance Analyst

Credentials
  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

This accident would actually be paid out under your collision coverage because you collided with the tire. Because you only damaged your vehicle in this single-vehicle collision, it would also be considered an at-fault collision claim. What you should think about is the rate increase you will probably receive after filing a claim. On average, an at-fault accident raised premiums an average of 47% in Ohio in 2020. Because of this, I recommend the following:

  1. Get an estimate for the repairs before filing a claim.
  2. On average, an at-fault collision claim raised rates in Ohio by $438 per year. You should think about that rate increase over 3 years as that is how long you will typically be charged.
  3. Compare the $438 (or $1,314 over 3 years) plus your deductible to the out-of-pocket expenses. If it is cheaper to file a claim, file a claim.

If you do find it is cheaper to file a claim, take a peek at our claims calculator and guide on how to file a claim. Keep in mind that most insurance companies require you to report any incident involving your vehicle, even if you decide to not file a claim. Sounds like there is quite a bit of damage so I would get estimates for the damages, that way you will have all of the information you need to make an informed decision. Good luck and if you have any other questions don't hesitate to ask.

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