Will the insurance company compensate if I damage the wheel hub myself?
1 Answers
The insurance company will not compensate for self-inflicted damage to the wheel hub. Standalone damage to the tire, resulting in losses to components such as the rim or wheel hub, is not covered by insurance. This is because tires are considered consumables and fall outside the scope of insurance compensation. However, if a traffic accident is caused by tire damage and results in other losses, the insurance company is obligated to compensate as long as the corresponding auto insurance has been purchased. Standalone wheel damage is not covered by insurance: According to the insurance company's exemption clauses, standalone wheel damage, including damage to the tire or wheel hub alone or simultaneously, without involving third-party liability, is not within the insurance coverage. If tire damage causes damage to other components, insurance will cover it: If, in addition to wheel damage, other parts are simultaneously damaged—such as the chassis or paint scratches—it falls within the insurance coverage, and the insurance company is obligated to compensate. If the tire causes significant damage requiring major repairs, the insurance company will typically cover the cost of the tire replacement, as it is usually included in the repair expenses.
