Can the wheel hub damage be claimed under vehicle damage insurance?
2 Answers
The insurance company will compensate for the damaged wheel hub. If the loss caused by a traffic accident includes damage to the tires and wheel hubs, the insurance company will provide compensation. Compensation for tire blowouts: The insurance company will not compensate for the loss of components such as rims and wheel hubs because tires are consumables and are not covered by the insurance policy. The car owner needs to pay for the repair or replacement of the tires themselves. However, for other losses caused by a tire blowout that leads to a traffic accident, as long as the car owner has purchased the corresponding car insurance, the insurance company must compensate. Avoiding insurance fraud: 58 Auto strongly advises against fabricating scenes to commit insurance fraud, as it harms the interests of the insurance company and can also leave a negative credit mark on oneself, making it difficult to obtain car insurance from any company in the future.
I've been driving for over a decade and handled many vehicle insurance claims. This issue needs to be considered case by case. The auto damage insurance mainly covers vehicle damage caused by accidents, such as wheel deformation from hitting curbs while driving or damage after a collision. In these cases, insurers typically compensate as it falls under the contractual accidental damage coverage. However, if the damage results from normal wear and tear or aging, like severe wheel corrosion leading to cracks, it's not covered as insurance policies explicitly exclude such natural deterioration. I recommend car owners take photos immediately as evidence when such issues occur and get evaluations from certified repair shops, because wheel damage not only affects appearance but may also cause tire leaks or steering misalignment, increasing safety risks. The claims process also requires detailed reports to avoid rejection. Preventive tips: Try to avoid pothole-ridden roads and clean wheels regularly to prevent corrosion.
