Bought a Car 3 Months Ago, Tire Flew Off

[Partner420]

Hi. I purchased a car from a used dealership that does the whole no credit check thing, and used my job as my credit. Anyway, everything was fine with the car except for a couple minor problems. I was just driving tonight and I heard a noise. I rounded the corner and the entire driver front side tire flew off and the front quarter panel has some damage along with the whole assembly for the tire. I got it towed to somewhere. I have full coverage, as according to the loan, and their offices were closed since this happened at night (less than 2 hours ago). What do I do now? Will insurance cover this? I've never been in any accident or anything ever, so I'm really at a loss on what to do next.

 

[maksim]

Um.... this is auto damanage by a poorly conditioned vehicle. Did it come with a warranty? This is not a case for auto insurance. :facepalm:

Take it back to the dealer. Dying to know, what car and how old is this?!?!

 

[Partner420]

The dealer I doubt is going to help me. He had me sign an as-is thing. It's a 2000 Chrysler 300 M. So insurance won't cover this in any sort of way?

 

[Newby]

The dealer I doubt is going to help me. He had me sign an as-is thing. It's a 2000 Chrysler 300 M. So insurance won't cover this in any sort of way?

Most likely the wheel had been off recently either to put on new tires or to plug a leak. Sometimes used car dealers even install upgraded USED tires. When you tighten the lugs you give it a short test drive and then retighten. If you fail to do the 2nd tightening, they eventually wobble loose and your wheel goes right past you as you're driving down the road.

Another possibility is your neighbor hates where you park your car and he loosened up your lugs last night.

Your dealer isn't responsible. Too many possible causes.

 

[djs]

File a claim with the insurance. It may or may not be covered, they will tell you.

Unfortunately, there are several pieces of information missing for anyone here to determine whether this would be covered or not.

Car insurance does not cover lack of maintainence on the car. For instance, you run it out of oil, the engine seizes, the auto insurance won't cover that. It does cover 'sudden, accidental, unintentional' occurances, which this may or may not be. You have to get into the policy language and exclusions.

There is no harm in filing the claim and letting the insurance company see if there is coverage for this.

Makesim - For the record, if he had hit a pothole, then yes, this would be covered. There are many situations where this would be a covered event. Don't jump the gun on the claim denial

Dan

 

[xrac]

This happened to me a a number of years ago fortunately no damage resulted. The people who repaired a flat tire left the lug nuts loose.

 

[VolAgent]

This happened to me a few years ago fortunately no damage resulted. The people who repaired a flat tire left the lug nuts loose.

That is my thought. Was there a recent oil change or new tires, tires rotated, etc?