Can I file an insurance claim if my car’s wheel fell off and caused damage to my car?

After repairing my car's brakes, I went to the store and on the way home my wheel fell off. I had noticed a vibration just before and went to pull over, but it was too late. The wheel came off, causing thousands in damage. Will my insurance help cover the repair bill, or am I out of luck since there was not really a collision?

Answer provided by
Johnny Puckett
Answered on Apr 19, 2021
Johnny Puckett is a freelance writer and automotive expert. He has contributed content to a number of some of the largest online publications, aftermarket automotive manufacturers’ sites, and automotive informational sites. His experience in the automotive and information fields informs his writing at Jerry. His automotive interests bleed into his free time, where he enjoys modifying his favorite cars and woodworking.
“It actually sounds as though there might have been a collision. Your car’s body and underside could have collided with the ground once the wheel came off, and that kind of damage may be covered by car insurance as long as you have full coverage.
What will probably not be covered is the damage that actually caused the wheel to fall off.
Also, your insurance adjuster will probably want to know who performed the repairs to your vehicle’s brakes. Depending on the cause of the collision, your insurance company may be able to recover some of the repair costs from the shop. If you did the brake repairs, then this obviously wouldn’t apply.
But, of course, the only way to confirm any of this is to contact your insurance company or agent. Get in touch with them as soon as you can.”

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