Flat Tire on a Rental Car? Here's What to Do

Learn what to do, who pays and how a Travel Guard® travel insurance plan with Rental Vehicle Damage Coverage may help.

Getting a flat tire in a rental car can be stressful, especially when you’re far from home. Knowing what to do right away can help you stay safe and minimize damage to the vehicle. This guide explains what steps to take, who pays for the damage and how a Travel Guard travel insurance plan may help.

IN THIS ARTICLE:

Immediate Steps to Take if You Get a Flat Tire in a Rental Car

The best time to spot a flat tire is before you start driving. But if you’re already on the road and feel a sudden pull or thump, stay calm and follow these steps:

  1. Ease off the gas and avoid braking suddenly to keep control of the car.
  2. Hold the steering wheel firmly and guide the car to the side of the road.
  3. Put the vehicle in park and turn on your hazard lights once stopped.
  4. Call your rental car company as soon as you’re in a safe location. Most rental companies have roadside assistance partners who can send help.
  5. Wait for assistance rather than attempting your own repair. Many rental agreements prohibit renters from changing tires or performing repairs themselves.

Depending on the situation, the tire may be repaired on site, or the vehicle may be towed to a nearby service location.

Who Pays for a Flat Tire on a Rental Car? 

In most cases, renters are responsible for damage that occurs while the rental car is in their possession, including a flat tire. However, there are exceptions:

  • If the tire was damaged before you left the rental lot, you may not be responsible. Always inspect and photograph the vehicle (including all tires) before driving away.
  • Some rental car companies offer roadside assistance packages at booking. These may cover certain costs related to tire repair or replacement.
  • If you purchased a travel insurance plan with Rental Vehicle Damage Coverage, you have 24/7 access to our assistance services team who can help coordinate roadside assistance, though you may still be responsible for the costs.

It’s important to read your rental agreement carefully to understand what is and isn’t your responsibility.

Reviewing Your Rental Agreement and Insurance Coverage

Before booking your car, review the terms of your rental policy and any insurance coverage offered. Some rental car companies provide insurance options, but they may differ in how and when coverage applies:

  • Primary vs. Secondary Coverage: Many rental car insurance policies are secondary, which means your personal auto insurance would need to pay first before the rental policy applies.
  • Deductibles: Collision deductibles can range from $1,000–$1,500.

Understanding these details can help you choose the best coverage for your trip and avoid unexpected out-of-pocket costs.

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The Travel Guard Approach

A Travel Guard travel insurance plan can help give you greater confidence when renting a car. Our Rental Vehicle Damage Coverage is primary to other insurance and may help cover certain costs for vehicle damage, including flat tires, if the incident is caused by a covered reason – such as vandalism or certain collisions.

You’ll also have access to 24/7 roadside assistance services, which may include assistance with arranging towing, flat tire repair, fuel delivery, lock-out help, battery assistance and more. Having this coverage can make handling a flat tire on your rental car far less stressful.

Check out these Travel Guard resources for more helpful information:

Specific Policies for Budget Rental Car Companies

While budget rental companies may advertise lower prices, always review the fine print. Check for:

  • Deposit requirements
  • Fuel policy
  • Additional driver fees
  • Age restrictions or fees
  • Mileage limitations
  • Damage policy
  • Restrictions on state and country borders
  • Whether insurance coverage offered is primary or secondary

If you rent from a budget company, verify the deductible and coverage level for flat tire incidents before finalizing your reservation.

Options for Handling a Flat Tire on a Rental Car

If you discover a flat tire on your rental car, follow company policy rather than trying to fix it yourself. Attempting to repair the tire on your own could violate the rental agreement and lead to additional costs.

Contact the rental company immediately to arrange assistance. Driving on a flat tire can cause significant damage to the rim and suspension - which you could be responsible for paying.

Documenting and Reporting a Flat Tire

After a flat tire occurs:

  • Notify the rental car company right away.
  • Take photos of the damage and surrounding area.
  • If another vehicle was involved, collect contact and insurance details and file a police report if necessary.
  • Save all receipts, reports and communications to submit with any insurance claim.

Documentation helps ensure that you’re properly reimbursed for covered expenses.

Preventive Measures and Final Tips

While accidents happen, there are ways to reduce your risk of a flat tire:

  • Check tire pressure regularly.
  • Avoid potholes, debris and curbs.
  • Don’t overload the vehicle.
  • Ask when the tires were last replaced or rotated before leaving the lot.

Staying alert and proactive can help you avoid flat tire issues and travel with greater peace of mind.

When you’re planning a trip that includes a rental car, consider protecting your travel investment with a Travel Guard travel insurance plan. Our Rental Vehicle Damage Coverage and 24/7 assistance services can help you handle the unexpected and get back on the road faster.

Get a quote to learn more about how Travel Guard can help when life throws you a flat.

Questions?

Call us at: 800-826-5248

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Coverage available to residents of U.S. states and the District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. Similar travel insurance coverage, offered by Travel Guard or another insurance provider, may be available through a variety of other sources, but may be subject to different terms and conditions (i.e. benefits, limits, exclusions, etc.). You may wish to compare the terms and conditions of this policy with those of your existing life, health, home and automobile insurance policies, as well as any other coverage which you may already have or is available to you, including through other insurers, as a member of an organization, or through your credit card program(s). If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc. (Travel Guard). California lic. no.0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, www.travelguard.com. CA DOI toll free number: 800-927-HELP. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance may be underwritten by American Zurich Insurance Company, a New York company (NAIC No. 40142), Zurich American Insurance Company, an Illinois company (NAIC No. 16535), each having its principal place of business at 1299 Zurich Way, Schaumburg, IL 60196, or National Union Fire Insurance Company of Pittsburgh, Pa. (NAIC No. 19445), a Pennsylvania insurance company, having its principal place of business at 1271 Avenue of the Americas, 37th FL, New York, NY 10020-1304. Please review the Plan offered to or purchased by you to confirm the underwriting insurer for your specific policy of insurance. Coverage may not be available in all states. Travel assistance services provided by Travel Guard.