Sponsored by The Tire Rack

[AllBlackBimmer]

Originally Posted by Wild Squid

That's when you should be getting mad and tell the fucker to look in the contract and tell you where it says max # of tires.

Doesn't matter what someone "tells" you. What does matter is what is written on that piece of paper that you have signed.

Regardless, if NO WHERE on that contract does it say anything about the # of tires, it is complete BS. Tell them you will see them in court... I'm sure that will change their tune and you will have new tires before you can smile.

[Coolieman1220]

Originally Posted by ceb

Aside from being unethical, the insurance won't pay if your tires are below a certain amount of tread.

What'cha going to do, drive over 4 nails? That is called insurance fraud and is a felony.

Well thats why i stagger it and do 1 at a time over a period of time. i only use my summers for half the year, use my non rft winters the rest. if its below 2/32" they won't change it, so i monitor it and slowly let it run its course, not to mention i pray for bubbles.

meh, report me.

Originally Posted by SDeFranco1

Ran out of money! it was Zurich tire and wheel insurance. Bought it for 600$ in 2009. Paid for itself 5 times over, but apparently I only had an allotment of something like 2500$. Meh.

ive read mine many times over and it doesn't state it that i have any kind of allotment!

[335BBS]

Originally Posted by ncats07

I don't understand why people are going through rims and tires like this. I live in downtown Toronto (nasty streets) and have been running high diameter, low profile wheel/tire combos in both run flat and non for many years and I've never bent a rim or lost a tire to anything aside from a nail puncture.

You are unbelievably lucky. Probably dont put many miles on your car in the suburbs. I've bent/cracked a couple of 19s and 1 18". Blew out 2 tires...one was my spare ...that was fun for a week.

[Royal Flush]

Originally Posted by Sara504

Ive had my car 3 months and have already used it TWICE.. Once to repair my winshield that got hit and once two weeks ago to repair curb rash on my front wheel. No limit on how many claims. No deductable No fee

I didn't know repairing curb rash was included.

[Sara]

Originally Posted by Royal Flush

I didn't know repairing curb rash was included.

Yup sure is.

[Royal Flush]

Originally Posted by Sara504

Yup sure is.

I just cut off the finance lady after she said "Oh and wheel insu-----". Meh, I guess it doesn't matter since I ditched the RFTs though?

[ragingclue]

Originally Posted by Royal Flush

I just cut off the finance lady after she said "Oh and wheel insu-----". Meh, I guess it doesn't matter since I ditched the RFTs though?

Depends on the company. Mine will replace aftermarket tires up to the cost of the OEMs.

[Royal Flush]

Originally Posted by ragingclue

Depends on the company. Mine will replace aftermarket tires up to the cost of the OEMs.

Not the BMW dealership though, right?

[ragingclue]

Originally Posted by Royal Flush

Not the BMW dealership though, right?

The dealership peddles a third party solution. That's where I got mine, the day I got my car.

[ilovemybimmer]

I got the insurance and I'm so glad that I did get it. It's simply a must have if you live in the tristate area... I've used it four times and I paid around $500 for it. I've gotten more than $1500 out of it with new tires and rims.

[Royal Flush]

Originally Posted by ragingclue

The dealership peddles a third party solution. That's where I got mine, the day I got my car.

Awwwwwww' SOB, didn't know that either. Oh well.

[Sara]

Originally Posted by ragingclue

Depends on the company. Mine will replace aftermarket tires up to the cost of the OEMs.

Mine replaces/repairs aftermarket wheels as well.

[Sara]

Originally Posted by Royal Flush

Not the BMW dealership though, right?

Mine was through the dealership.. When I get home I'll scan my copy and show you so you can see everything.

[Royal Flush]

Originally Posted by Sara504

Mine replaces/repairs aftermarket wheels as well.

[Sara]

Originally Posted by Royal Flush

The only limitation was chrome. It said something about not covering chrome. I cant remember I'll let you see it tonight

[ragingclue]

Originally Posted by Sara504

Mine replaces/repairs aftermarket wheels as well.

I think mine does too, but since I've stuck with the OEMs, I never bothered to ask. I can't imagine driving around Chicago all the time with anything less robust than the heavy ass 162s. I don't know how some of these guys do it...

[Sara]

Originally Posted by ragingclue

I think mine does too, but since I've stuck with the OEMs, I never bothered to ask. I can't imagine driving around Chicago all the time with anything less robust than the heavy ass 162s. I don't know how some of these guys do it...

I know how you feel. New Orleans is awful!! I guess thats what I get for living in a city below sea level surrounded by water on all sides.

[jkman510]

Didn't buy it since i'll be swithing to non-rft after these are gone.

[mjsbmw]

Getting back to the OP question. I do not regret buying wheel and tire insurance. Rates for wheel and tire insurance have increased significantly over the last three years.

My buying pattern is to lease new BMWs every three years. So I am only concerned about that period of time.

When I picked up my 2008 328xi, a 3 year (with no $$$ limit) policy from the dealer (issued by EasyCare) was $300 (and they were making $120 profit on that deal!). Two years later, I was quoted $600 on my other new BMW because the rates reflected the high claims that RFT BMWs were experiencing. When I picked up my 2011 328xi, the quote was $1200, and the wheel and tire policy is now marketed by BMW under the BMW brand.

Why the increase in rates? Clearly, dealers are in the business to make money and cover their expected claims costs plus a profit.

I am fortunate that I have had very few issues with my wheels and tires (in Metro NY no less) and for $1200, I can self insure my risk.

Also, read the fine print. The policies are clear about minimum tread on tires, that the wheel cannot hold air if busted, that curb rash is excluded, etc. Most dealers do not take risks of making false claims to insurance companies just to keep you happy, even if you think slipping them a $20, $50 or $100 will grease the wheel. One bad insurance audit will cause huge problems and can cost the dealership big time.

So, if you are more likely to be driving into potholes that are unavoidable, or travel on such poor roads in the rain when you cannot make out the location of the next landmine, pay up for the insurance. Just try not play games as the fallout from insurance fraud is not something anyone wants to experience.

[Randall41]

Pretty much like any insurance> Nobody knows what is in store for you and your car for the coming day. I bought it, never used it, replaced runbricks a year ago. Car is a 2008.

[Sara]

Thank you Wheel & Tire

[DontHait]

Originally Posted by Sara504

Thank you Wheel & Tire

How did you get this done?! My dealership denied me rim repair from curb rash. Is there a special way I should approach this? They have replace one tire for me already due to a bubble, but sadly it was not the same rim. Is it just my dealership?