Hi Family and Friends,

Every now and then, we see unusual claims that put an insurance policy to the test. One of our clients recently had a situation where the wheel literally fell off their car while driving. At first glance, this might sound like something insurance wouldn’t cover—and the initial determination from the adjuster was exactly that.

Here’s why: most auto policies don’t cover mechanical breakdowns, like a failed axle. Replacing that broken part itself usually isn’t covered. But things get more interesting when you look beyond the cause to the ensuing damage.

The Difference Between Cause and Damage

• Cause (the axle itself): Insurance companies typically view a broken axle as wear and tear or a mechanical failure—something not covered.
• Damage (what happens because of it): When the wheel came off, it caused significant damage to the car. After a review, the insurer recognized that the ensuing damage from the accident was covered, even if the axle wasn’t.

In this case, the damage to the vehicle was so extensive that it was ultimately declared a total loss.

Why Policy Language Matters

This situation highlights why the fine print—your policy’s terms and conditions—matters so much. Coverage often comes down to distinctions like:

• Is it a mechanical breakdown (excluded)?
• Or is it accidental damage resulting from that breakdown (covered)?

The difference between those two can mean thousands of dollars in claims outcomes.

Our Role as Your Agent

When unusual claims arise, we don’t stop at the first answer. We help review the details, clarify coverage, and advocate for the fairest interpretation of your policy. That’s the real value of having an agent: ensuring the language works for you when you need it most.

👉 If you’re ever unsure what your policy would do in a strange situation like this, give us a call. We’re here to help you understand your coverage before you need it.