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      12-13-2012, 03:56 PM   #67
noka
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My understanding with the dealer-offered wheel and tire insurance is that both are covered if meeting original equipment specification. Replacement tires (even due to normal wear) has continued coverage as long as they are OEM specified for the vehicle. Is that correct? Also, does anyone know if alternate Winter wheel/tire sets purchased through BMW dealer parts as an accessory are also covered by the policy?
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      12-13-2012, 11:31 PM   #68
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I've always purchased this insurance on previous vehicles and have used it several times. In 2 instances, the tire was repaired with a plug, as opposed to a new tire. Another time, I hit a curb and trashed the sidewall, and the tire was replaced no questions asked. I got it on the X3 because a) no spare tire b) crappy roads in the the northeast with potholes galore. I think it cost about a grand total.
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      12-14-2012, 06:47 AM   #69
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Thanks. I got approximately the same quoted price. I called the dealer finance guy who pitched it to me and he confirmed that accessory tire/wheel sets purchased through BMW are covered too.
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      12-14-2012, 02:17 PM   #70
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Why isn't accidental damage to wheels and tires covered by collision or comprehensive insurance?
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      12-14-2012, 02:31 PM   #71
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Quote:
Originally Posted by raleedy View Post
Why isn't accidental damage to wheels and tires covered by collision or comprehensive insurance?
I'm not certain (and it might vary by company and policy) but I believe they would be covered if the vehicle was in an accident (tires probably pro-rated for wear). However, in the case of a pothole or other road hazard, I'm not sure that it would be covered, or if it was it probably would be subject to whatever deductible is on the policy.
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      12-15-2012, 09:38 AM   #72
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Here is another school of thought regarding the Wheel and Tire Insurance. I own a 2011 528i and a 2013 X3, plus many other vehicles over my 35 years of driving. Bottom line up front is I don't believe wheel and tire insurance is necessary. Try doing regular tire checks (I do mine monthly and it only takes a few minutes) on your vehicles and I believe (based on experience) that with proper maintenance you can "Self Insure" and save the money. I have never had a set of tires on any of my vehicles go less than 35K miles. My 528i has almost 38K miles on the original tires and I just took the car in as the front outside edges were starting to show wear. The BMW dealer rotated them for free (by the way they don’t advertise rotating tires because some BMW models have different size wheel/tires front and rear) and told me the front end has a by design positive camber and that wear was normal. Additionally he told me that due to the fact that I have maintained my tires they have gotten much more life than others have gotten (seems many think RFT are meant to run with little to no air!). The dealer also told me I could probably get another 5-10K on the OEM tires. I do not intend on replacing these tires with RFT’s as I believe I can get a better tire for less money.
Before I am lambasted by other readers, my comments are based on my own 35 years driving experience in which I have had many nail type punctures but never any “blow outs”. I have lived and driven in all climates and don’t make it a habit of driving my cars like they were stolen (that is what rental cars are for!). I know there is no spare but for less than $20 you can carry a tire inflator or can of tire inflator (slime) which can keep a punctured tire inflated until you get it fixed. Remember an RFT is of no greater value in a “Blow out” than a regular tire it’s only benefit is being able to drive it a short way to get it repaired if losing air via a puncture. If you want to buy insurance then I suggest a road-side assistance plan from either your insurance company or AAA. They are normally only a few dollars per month and cover you and family regardless of what you are driving (own/rental/leased).
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      12-15-2012, 10:14 AM   #73
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Quote:
Originally Posted by pacecapt View Post
Bottom line up front is I don't believe wheel and tire insurance is necessary.
Agreed 100%. In my 20 years of driving & two cars in the family, the tires were replaced only twice. First time it was my fault hitting the sharp edged curb and second time (after 15 years) my second car's tire was punctured couple of days ago. I usually waive on any type of extended warranties regardless of their value. Any extended warranty offered by the dealers have profits built-in for them and the insurance co. Also please note that the tires can be changed at 2/3 of the cost elsewhere.
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      12-15-2012, 04:24 PM   #74
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Quote:
Originally Posted by noka View Post
I'm not certain (and it might vary by company and policy) but I believe they would be covered if the vehicle was in an accident (tires probably pro-rated for wear). However, in the case of a pothole or other road hazard, I'm not sure that it would be covered, or if it was it probably would be subject to whatever deductible is on the policy.
Call me skeptical. Whether you run into a curb, a telephone pole, a pedestrian or another car, or a hole or other defect in the road, a collision is a collision. My E39 was damaged by a rock that was launched at it by another car on the Interstate. Comprehensive covered it. I don't see why this is different.
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      12-15-2012, 05:16 PM   #75
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Quote:
Originally Posted by raleedy View Post
Call me skeptical. Whether you run into a curb, a telephone pole, a pedestrian or another car, or a hole or other defect in the road, a collision is a collision. My E39 was damaged by a rock that was launched at it by another car on the Interstate. Comprehensive covered it. I don't see why this is different.
"Poor" insurance companies need to make money somewhere right? They exactly know which one to cover and not cover based on the vehicle incident data collected over past many decades.
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      12-15-2012, 06:17 PM   #76
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Seems to me a careful read of the insurance policy is in order. In any case I think a deductible would apply, so filing a claim for a tire or wheel might or might not make make sense, depending. The dealer-offered policy has no deductible. In my 40+ years of driving, I've had my share of damaged tires and rims from New England potholes, etc. I may not get my money's worth out of it but I'm inclined to go with it. If I were living in Florida or another state with decent roads, I might reconsider. YMMV
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      12-17-2012, 08:58 PM   #77
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You boys need to read ALL the stuff in your portfolio case

While not as extensive as the warranty they try to sell you, you do have coverage for 2 or 3/32 and 12 months. Neither Goodyear nor my BMW dealer was aware of this however they quickly got educated and replaced one of our tires that had two plugs due to nails. They were astounded that I had discovered this and we were the first one they had ever replaced under this warranty. In your portfolio package in your glove box you will find a shrink wrapped tire booklet. In there is a DVD that will explain the warranty based upon what tires came on your vehicle.

Your welcome!
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      01-06-2013, 09:32 AM   #78
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For anyone thinking that the tire manufacturer's warranty covers road hazard: It seems some tire manufacturers have discontinued the road hazard part of their warranty. Tirerack indicates this on their site for Goodyear LS2. Search for that tire, click on "warranty" and look for the .pdf called: "Warranty for replacement tires purchased on or after 11/01/12". Note that tires purchased prior to that do include road hazard warranty. I checked with my dealer service manager also and he said that both Goodyear and Dunlop discontinued this this. In case some might be thinking they are covered for road hazard with newer X3's, I suggest checking this.
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