I have comprehensive insurance. A few months back I had my front brake pads done at a shop. Soon after, I had a flat tire (rear driver side) and a fellow on the side of the road helped me by patching it and putting it back on.

It was getting to be about time for the brakes to be done again. I had just started to hear a sound. I was driving on the freeway, going 65, and my rear driver-side tire just fell off. I almost flipped and my backing plate was ground flat from scraping the pavement (but I didn’t know this until much later.) That night I filed a claim for the incident.

I went back the next day and found my tire. A friend reinstalled it for me (it was missing three bolts.) The brakes had gotten significantly worse but due to unfortunate circumstance, I had to drive the car home from the shop to which it was towed.

I had to get to work, so I drove my car for a few more days after that. It didn’t take long before the rest of the brake pads vanished and the rotors were destroyed. Soon after that my brakes failed completely.

I took it to a shop and they told me the total damage was over $2,000. Part was the tire incident, part was my stupid decision to drive post-tire-flying-off. Turns out, when my tire fell off so did my brake drum.

Question: Am I covered at all? What’s the best course of action?

  1. 5 POINTS
    Markus Reynolds
    Insurance doesn't generally cover wear and tear or any tire damage. The damage you caused to the backing plate might be covered, however.
    Answered on December 7, 2016
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