I never saw much sense in the road hazard warranty myself -- my last huge mega luxury SUV had a nail, I pulled it as soon as the TPMS alarm went off, patched it, and back on the road a few minutes later. Drop it to my tire guy who checked it out for $5 cash and said "this is solid, no need for a new tire" and I drove another 15,000 miles on it before the treadwear was down enough to replace all my tires.
I have no idea how many tires I've replaced in my life (I used to do up to 60,000 miles a year across 2-3 cars I owned at one time) but I always drove summer tires and winter tires in season and figure if the tire warranty is typically 12% (no idea today, I use Uber, lol), I must have saved literally thousands of dollars by denying the road hazard fees.
I am against insurance in any case where I can self insure. Even my homeowner's policies are maximum deductible since I put the savings into a higher interest account and if I ever have a claim, I just would pay out of that account. In 25 years of owning homes, never had a claim and that account is significant. Same was true when I had an auto policy -- I took the highest deductible coverage possible to lower my insurance costs, and stuck the savings into the same account. In my 20 years of driving, I had 2 accidents, both were settled in cash at the scene versus putting in a claim.
Same on my health insurance when high deductibles were still legal in the US -- I took the maximum deductible and paid my doctors cash for a cheaper rate than filing a health insurance claim. More thousands or tens of thousands of dollars in savings that i stuck into the same "insurance savings" account towards any fufure deductibles needing to be paid. Never paid a deductible on insurance, because I don't file claims when I can pay cash for things instead.
The only insurance I have a low deductible on is my boat because there are a ton of drunks near the marina and I've seen a great many collisions with them. And they're always underinsured.
