Took the long way home and suffered for it, broken HRE wheel - Page 3 - 6SpeedOnline

Jul 21, 2013 | 03:48 PM

#31

Carbon

Thread Starter

Registered User

Joined: Oct 2005

Posts: 553

From: Los Angeles, CA

Rep Power: 80

Quote:

Originally Posted by Dr. Jekyll

Forget the insurance claim, you'll end up paying for it in the long run with increased premiums. Pay for it out of pocket and file a claim against the city/municipality. There's a good chance that manhole cover fell off a state vehicle. Depending on your state, you might even be able to file in small claims court. Just make sure you look up the rules for suing the state. They usually have some very specific requirements and time constraints. A little bit of time and research could easily get you reimbursed without needing to hire an attorney.

Just to be clear, this was resolved with my insurance company with no rate increases.

As for HRE wheels, I trust that they're quality items. This was a pretty specific impact with an uncommon piece of road debris. I don't expect them to be indestructible. At best the wheel would have been massively bent instead of broken and required replacement anyhow.

Jul 22, 2013 | 06:02 PM

#32

pmalik

Registered User

Joined: Jul 2012

Posts: 54

From: Chicago

Rep Power: 16

Quote:

Originally Posted by Carbon

So my adjuster liked my explanation of the events and the pictures I provided for him, so we got the accident considered 0% at fault.

Still had to pay deductable and for the betterment of two rear tires, but overall I'd say this could have gone much worse.

I don't see how they could try it any other way - stationary objects fall under comprehensive, moving stuff (crap falling from a truck etc) is considered collision.