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It has never happened to me(so I had not thought of tire issue), I heard the noise, but it is on busy road, cannot really stop it, and I kept on driving ( I just thought the noise is related to car mechanic) When the noise became louder(when rubber is gone), I had to find a place to stop and take a look, it was almost arrive home, finally, I know it is tire issue. since it is only 0.3 miles to home (walking distance), I just drove home like that, very slowly.
Does auto insurance cover some costs (Wheel hub, tire, towing fee)?
Tires is not covered, and based on your story any damage to the wheel may not be covered either. By continuing to drive on it after you found a safe place to pull over, you failed to mitigate damage. The tow should be covered as long as you have that coverage on your policy.
If it isn't "collision" (impact with another vehicle or object) it's "other than collision":
Missiles or falling objects;
Hail, water or flood;
Fire;
Malicious mischief or vandalism;
Theft or larceny;
Riot or civil commotion;
Explosion or earthquake;
Contact with bird or animal; or
Windstorm;
Breakage of glass.
Some tires have "road hazard" coverage, but it's from the retailer or manufacturer. Usually a pain in the butt to get anything covered, and most likely prorated. Might not cover sidewall damage, either.
Easier and cheaper to just buy a new tire. Check out TireRack.com Great deals. Ship right to you, take it down and have it mounted.
NO, typical auto insurance policies do not cover tires unless it's part of a collision or covered under "other" (see Adjusterjacks post) . Normal wear and tear or something like hitting a pot hole is not covered. At any rate, why would you involve your insurance anyway for something that cost $100 to fix??????
Towing would be covered if you have that coverage. Not all policies include towing. It's typically an optional coverage.
Be cautious about using the towing service provided by your insurance carrier. This usage usually ends up on your C.L.U.E. report (Comprehensive Loss Underwriting Exchange) and will usually result in higher insurance rates down the road. Personally, I have AAA.
Tires, generally speaking, are not covered under insurance policies. Plus, if you have any kind of a normal deductible, it wouldn't rise to that level anyway. Unfortunately, it looks as though you'll need to dig into your own pocket to fix it.
OP you probably have a deductible and that would negate the insurance company if they even considered tire coverage which they don't. That's considered a maintenance issue which insurers don't normally cover. Also if the insurer covered that and you made a claim like you're considering they probably would cancel you out as a nuisance problem. Save your claims for high dollar serious problems.
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