Does the insurance company cover damaged wheel hubs?
1 Answers
Insurance companies do not cover normal damage to car wheel hubs. Compensation is only provided if the damage to the tires and wheel hubs is caused by a traffic accident. The insurance company's exemption clauses state that damage to wheels alone, including damage to tires and wheel hubs separately or simultaneously without involving a third party, is not covered under the insurance liability. However, if other parts of the vehicle are also damaged simultaneously, such as the chassis or paint scratches, it falls within the insurance liability, and the insurance company is obligated to compensate. If severe damage caused by tires leads to major repairs for the vehicle, the insurance company usually covers the cost of the tires, as tire replacement expenses are typically included in the repair costs. Besides tires and wheel hubs, some insurance companies also do not cover separate damage to parts like mirrors or headlights if no third party is involved. It is essential to understand the exemption clauses of your insurance policy before purchasing. Early cars did not have wheel hubs but instead used simple dual bearing modules with nearly solid tires. Solid tires performed poorly in terms of both functionality and driving comfort. This led to the development of wheel hubs and tires working together, where the tires bear the direct contact with the road and the flexible pressure from the vehicle's driving inertia, while the sturdy wheel hubs bear the rigid inertial pressure.
