If you damage your own wheel hub, insurance will not cover the cost. Standalone damage to tires, resulting in losses to components like rims or wheel hubs, is not covered by insurance companies. This is because tires are considered consumable items and fall outside the scope of insurance coverage. However, if a traffic accident is caused by tire damage leading to other losses, the insurance company is obligated to compensate as long as the corresponding auto insurance has been purchased. According to the insurance company's exemption clauses, standalone wheel damage—including damage to tires or wheel hubs, either separately or simultaneously—without involving a third party, is not covered under the insurance liability. If, in addition to wheel damage, other parts of the vehicle are also affected, such as damage to the chassis or scratches on the paint, then it falls within the insurance liability, and the insurance company is obliged to compensate. If tire damage leads to significant losses requiring major repairs, the insurance company will typically cover the cost of the tires, as tire replacement expenses are usually included in the repair costs. Apart from standalone damage to tires and wheel hubs, some insurance companies also do not cover standalone damage to parts like mirrors or headlights if no third party is involved. It is essential to thoroughly understand the exemption clauses of your insurance policy before purchasing.
