Can I Claim Insurance for Damaged Rims?
2 Answers
Damaged rims cannot be claimed under insurance. Specific situations where claims are possible: If only the tire is damaged, no claim is made, replace it yourself; if only the rim is damaged, no claim is made, replace it yourself; if both the tire and rim are damaged and need replacement, then you can claim insurance. Apart from this, individual damage to components like headlights, rearview mirrors, sunroofs, etc., is also not claimable. Procedure for claiming insurance in a single-party accident: First, report the incident, then assess the damage, repair the vehicle, and finally, submit the claim to the insurance company. If the insurance was purchased at a 4S store, they will handle all the procedures. If there are injuries, first report the incident and send the injured to the hospital. Specific matters will be analyzed case by case. Most importantly, keep all hospital receipts ready, as the insurance company needs them for records. Without these, the insurance company will not reimburse.
Can I claim insurance for a damaged wheel hub? To be honest, this is quite common. Once, I accidentally scraped the curb while driving, and the wheel hub got deformed—it was really frustrating. Actually, it mainly depends on whether you have purchased vehicle damage insurance or related additional coverage, as wheel hub damage falls under vehicle self-damage, and only these types of insurance cover it. For example, after an accident, you should first report it to the traffic police to get a certificate, then contact the insurance company for damage assessment. They will send someone to inspect it and decide the compensation ratio. However, note that you’ll have to pay the insurance deductible out of pocket—for instance, claims below 500 RMB might not be covered. Insurance is only cost-effective for wheel hub repairs if the cost is very high. Don’t ignore wheel hub damage—it directly affects driving safety and could lead to tire blowouts or loss of control. It’s best to address it promptly, check your policy details, or consult customer service for a more reliable solution.
