Thank god for the rubber insurance

WeeMan335 · 01-27-2010, 01:51 PM

When I picked up my new 08 335 in Oct. 2007 I hesitated to buy the tire insurance for $580 but I did anyway. Fast foward....Last Sunday I had too much to drink so i let the wife drove my car...it was late at night 12:30am is my guess. She hit a huge pot hole and destroyed the front driver side as well as the rear driver side. Had my car towed to the dealer and they came back saying 3 tires will need to be replaced cuz they also found the passenger rear had a nail stuck to it. The bill was close to 1700 including alignment. I will be responsible for only 200 for the alignment. Over the past 2 years total of 6 RFTs which I didn't have to pay a dime for. Needless to say it sure was a Win Win.

BrianMN · 01-27-2010, 01:59 PM

I am in need of this too for my aftermarket wheels!

chazzz · 01-27-2010, 02:22 PM

What's the difference between "tire insurance" and "road hazard warranty"? Aren't they the same thing, but "road hazard warranty" is cheaper? About $25 per tire.

onefastman · 01-27-2010, 02:26 PM

I have had mine since july and have already gone through 3 (just saw a nail today so 4) run-flats. Does this apply to aftermarket tires?

number335 · 01-27-2010, 02:29 PM

i thought this would be a thread about condoms

EuroTrip · 01-27-2010, 02:31 PM

LOL the thread title says, thank god for the rubber. Thought this was about something else!

Darkcyd_Turbo · 01-27-2010, 02:33 PM

Quote:

Originally Posted by chazzz

What's the difference between "tire insurance" and "road hazard warranty"? Aren't they the same thing, but "road hazard warranty" is cheaper? About $25 per tire.

I don't know if the road hazard covers wheels like the tire insurance. I know that my 189's(summer) and my Breyton GTS'(winter) are both covered in case anything happens.

JerzeySux · 01-27-2010, 02:37 PM

Made two great decisions. A winwin.
Great to let your wife drive when you're too drunk and good to cough up for the tire insruance. Def worth it.! Those stock RFT's cost a pretty penny.

chazzz · 01-27-2010, 02:37 PM

The road hazard warranty only cover tires, not the wheels. I don't think the "road insurance" would cover the wheels, do they?

WeeMan335 · 01-27-2010, 02:46 PM

i do not know the diferences but my package for $580 covers both tires and rims if damaged from something on the road such as potholes and other debris not suppose to be on the road..but factory only tires and wheels only, does not apply for aftermarket products.

marzapan81 · 01-27-2010, 03:03 PM

The insurance should cover both tires and rims and its been great so far for me. I am getting one rim replaced and the other 3 rims fixed today, in addition to already having 2 tires replaced.

Bimmer This · 01-27-2010, 03:08 PM

Good decision on your part. That would hurt to have to fork out 1,700 for tires.

pruettfan · 01-27-2010, 03:35 PM

You guys who make out on these policies can't wait to post these victories but I have yet to hear from the vast majority who pay for one of these policies only to get nothing in return. Congrats to those who make out but it is important to note that this is like going to Vegas, some win but to make business sense most will get nada.

doggiedog · 01-27-2010, 03:42 PM

Yup. I didn't really haggle the price of my tire insurance and paid $750. It paid off within 2 months when I bubbled both driver's side tires when I hit a pothole. The total replacement cost was $900 but I didn't pay a cent.

Edit: My insurance covers whatever tires and rims are on the car. It's a better deal for the insurance company bc I'm on cheap rims and non-RFT snow tires now.

When you live in the NYC area, you are bound to hit a huge pothole so I think tire insurance is a must.

kgb1637 · 01-27-2010, 03:47 PM

If I never have to use it, thats worth the price right there. And yes, most do cover both tires and rims, especially on lease turn in, I'm not liable for any damage for the wheels.

Trout · 01-27-2010, 04:00 PM

Buying the Wheel and Tire Insurance was one of the best decisions I made. Within the first year, I had to replace both front tires due to bubbles. Now at the start of year three, both rear tires need replacing for the same reason. Its definately saved me a ton of cash already.

Verbiage · 01-27-2010, 04:25 PM

Quote:

Originally Posted by number335

i thought this would be a thread about condoms

WeeMan335 · 01-28-2010, 07:50 AM

I wish the policy would also cover after market wheels and tires.

jibaholic101 · 01-28-2010, 10:56 AM

Quote:

Originally Posted by WeeMan335

I wish the policy would also cover after market wheels and tires.

i was told it does.....

this is the best investment ever, they have already changed a tire due to a screw

cotmfk · 01-28-2010, 11:35 AM

Good for you for letting her drive, but definitely don't blame her! It could have been anyone driving who hit that pothole since it was late at night.

Anyways, glad everything worked out for you, but that must have been a buzz killer!

John 070 · 01-28-2010, 11:43 AM

My experience has been different--I was fully for spending the $390 for my tire/wheel protection. It's now been 38 mos., and I have NEVER used it once.

As I suspected, it's just like insurance, they analyze the risk v. premium and offer it at a price where they can collect the $$$ for doing nothing. Sure, they lose in the OP's case, but they have plenty of people like me to carry the slack.

As for the other protection package where they wanted $799 and I got it for $499, again, a total waste. Got one ding repaired and two touch-ups. Out of pocket that would have cost maybe $120 tops.

I would advise anybody out there to avoid these "protection" offers from the dealership. Save your money for the extended warranty (would be nice to apply the $499 plus $390 to a BMW extended warranty)....

airshane · 01-28-2010, 11:45 AM

You know, I considered getting this, but the cost was about $1300 ... so I decided against it for now. 17" Tires and wheels are probably slightly at less risk of damage than 18 or 19's ... but I've still considered it.

01-27-2010, 01:51 PM	#1
WeeMan335 Captain 16 Rep 916 Posts Drives: e90 335 Join Date: Sep 2008 Location: NOVA iTrader: (3)	Thank god for the rubber insurance When I picked up my new 08 335 in Oct. 2007 I hesitated to buy the tire insurance for $580 but I did anyway. Fast foward....Last Sunday I had too much to drink so i let the wife drove my car...it was late at night 12:30am is my guess. She hit a huge pot hole and destroyed the front driver side as well as the rear driver side. Had my car towed to the dealer and they came back saying 3 tires will need to be replaced cuz they also found the passenger rear had a nail stuck to it. The bill was close to 1700 including alignment. I will be responsible for only 200 for the alignment. Over the past 2 years total of 6 RFTs which I didn't have to pay a dime for. Needless to say it sure was a Win Win.
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01-27-2010, 01:59 PM	#2
BrianMN Banned 114 Rep 2,428 Posts Drives: 4 Door Family Sedan Join Date: Sep 2009 Location: Minneapolis iTrader: (7)	I am in need of this too for my aftermarket wheels!
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01-27-2010, 02:22 PM	#3
chazzz Captain 116 Rep 712 Posts Drives: 2018 Chrysler 300S Join Date: Sep 2007 Location: Southern California iTrader: (4)	What's the difference between "tire insurance" and "road hazard warranty"? Aren't they the same thing, but "road hazard warranty" is cheaper? About $25 per tire. __________________ SOLD - 2007 BMW 335i Sedan, Montego Blue with Lemon seats, AluFelgen CS7 rims & Continental DW tires CURRENT - 2018 Chrysler 300S, Crystal Granite Metallic.
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01-27-2010, 02:26 PM	#4
onefastman Major General 159 Rep 5,689 Posts Drives: 2009 135i 2011 e92m dct Join Date: Sep 2009 Location: Earth iTrader: (15)	I have had mine since july and have already gone through 3 (just saw a nail today so 4) run-flats. Does this apply to aftermarket tires? __________________ Legal Disclaimer: Anything I or anyone else says about my vehicle on this website(1addicts.com or any affiliated or nonaffiliated sites), pertaining to modifications, is only to gain acceptance from my/our peers, and does not actually represent anything actually existing on my car, and thus, cannot be held against me in any issues, i.e. warranty claims, that may arise.
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01-27-2010, 02:29 PM	#5
number335 Second Lieutenant 20 Rep 254 Posts Drives: E92 Coupe Join Date: Mar 2008 Location: Orange County, CA iTrader: (0)	i thought this would be a thread about condoms
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01-27-2010, 02:31 PM	#6
EuroTrip BMW FAN 43 Rep 723 Posts Drives: 2002 E46 M3 AW 6MT Join Date: Jan 2008 Location: Laguna Beach, CA iTrader: (5)	LOL the thread title says, thank god for the rubber. Thought this was about something else!
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01-27-2010, 02:37 PM	#8
JerzeySux UrMother 37 Rep 639 Posts Drives: 335xiE92 Join Date: Aug 2009 Location: NJ iTrader: (7)	Made two great decisions. A winwin. Great to let your wife drive when you're too drunk and good to cough up for the tire insruance. Def worth it.! Those stock RFT's cost a pretty penny. __________________ My Car drives on Sour Diesel and Haze. Dutch and Green Palma's for Octane Boost Poor Man's BMW Owner.
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01-27-2010, 02:46 PM	#10
WeeMan335 Captain 16 Rep 916 Posts Drives: e90 335 Join Date: Sep 2008 Location: NOVA iTrader: (3)	i do not know the diferences but my package for $580 covers both tires and rims if damaged from something on the road such as potholes and other debris not suppose to be on the road..but factory only tires and wheels only, does not apply for aftermarket products.
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01-27-2010, 03:03 PM	#11
marzapan81 New Member 5 Rep 27 Posts Drives: 330i 2006 Join Date: Dec 2005 Location: McLean, VA iTrader: (0)	The insurance should cover both tires and rims and its been great so far for me. I am getting one rim replaced and the other 3 rims fixed today, in addition to already having 2 tires replaced.
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01-27-2010, 03:08 PM	#12
Bimmer This Major General 99 Rep 6,473 Posts Drives: 2007 BMW 335i Join Date: Nov 2008 Location: Westminster iTrader: (3)	Good decision on your part. That would hurt to have to fork out 1,700 for tires.
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01-27-2010, 03:35 PM	#13
pruettfan Brigadier General 1622 Rep 3,402 Posts Drives: 2017 M2, LBB, DCT, Exec Join Date: Jul 2009 Location: Chandler, AZ iTrader: (0)	You guys who make out on these policies can't wait to post these victories but I have yet to hear from the vast majority who pay for one of these policies only to get nothing in return. Congrats to those who make out but it is important to note that this is like going to Vegas, some win but to make business sense most will get nada.
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01-27-2010, 03:42 PM	#14
doggiedog Captain 36 Rep 757 Posts Drives: 09 E90 335i 6MT SG/BL Join Date: Nov 2008 Location: Fort Lee, NJ iTrader: (0)	Yup. I didn't really haggle the price of my tire insurance and paid $750. It paid off within 2 months when I bubbled both driver's side tires when I hit a pothole. The total replacement cost was $900 but I didn't pay a cent. Edit: My insurance covers whatever tires and rims are on the car. It's a better deal for the insurance company bc I'm on cheap rims and non-RFT snow tires now. When you live in the NYC area, you are bound to hit a huge pothole so I think tire insurance is a must.
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01-27-2010, 03:47 PM	#15
kgb1637 Lieutenant Colonel 21 Rep 1,519 Posts Drives: RS5 Join Date: Sep 2008 Location: Baltimore, MD iTrader: (0)	If I never have to use it, thats worth the price right there. And yes, most do cover both tires and rims, especially on lease turn in, I'm not liable for any damage for the wheels. __________________ Retired - '08 E90 335i Sparkling Graphite/Gray Dakota Leather, ZSP, ZCW, ZPP, Navi, ipod, Sat
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01-27-2010, 04:00 PM	#16
Trout Private 0 Rep 80 Posts Drives: TiAg e90 335i Join Date: Feb 2009 Location: Jersey City, NJ iTrader: (0)	Buying the Wheel and Tire Insurance was one of the best decisions I made. Within the first year, I had to replace both front tires due to bubbles. Now at the start of year three, both rear tires need replacing for the same reason. Its definately saved me a ton of cash already.
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01-28-2010, 07:50 AM	#18
WeeMan335 Captain 16 Rep 916 Posts Drives: e90 335 Join Date: Sep 2008 Location: NOVA iTrader: (3)	I wish the policy would also cover after market wheels and tires.
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01-28-2010, 11:35 AM	#20
cotmfk Major General 2051 Rep 6,110 Posts Drives: M3 Join Date: Mar 2009 Location: Somewhere between DC and FL iTrader: (12)	Good for you for letting her drive, but definitely don't blame her! It could have been anyone driving who hit that pothole since it was late at night. Anyways, glad everything worked out for you, but that must have been a buzz killer! __________________ When you say impact instead of affect/effect, you are communicating that you don't understand the difference between the two words, and are too lazy to learn.
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01-28-2010, 11:43 AM	#21
John 070 Lieutenant General 1705 Rep 14,829 Posts Drives: 335i cpe Join Date: Oct 2006 Location: ZSP/ZPP/ZCW iTrader: (0)	My experience has been different--I was fully for spending the $390 for my tire/wheel protection. It's now been 38 mos., and I have NEVER used it once. As I suspected, it's just like insurance, they analyze the risk v. premium and offer it at a price where they can collect the $$$ for doing nothing. Sure, they lose in the OP's case, but they have plenty of people like me to carry the slack. As for the other protection package where they wanted $799 and I got it for $499, again, a total waste. Got one ding repaired and two touch-ups. Out of pocket that would have cost maybe $120 tops. I would advise anybody out there to avoid these "protection" offers from the dealership. Save your money for the extended warranty (would be nice to apply the $499 plus $390 to a BMW extended warranty)....
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01-28-2010, 11:45 AM	#22
airshane Private First Class 9 Rep 132 Posts Drives: 2008 328xi Join Date: Jan 2010 Location: Denver, CO iTrader: (0)	You know, I considered getting this, but the cost was about $1300 ... so I decided against it for now. 17" Tires and wheels are probably slightly at less risk of damage than 18 or 19's ... but I've still considered it.
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