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Ran over a large truck tire fragment, what damage to look for?

40987 Views 48 Replies 19 Participants Last post by  BodhiBenz1987
I hit a large chunk of truck tire on the highway today, nothing I could do, the guy in front of me swerved last minute to avoid it but I had someone in either lane beside me so I had no choice but to hit it dead on. It damaged my spoiler and bottom of the grille which really stinks, I can't even pop it back into place. Going to take it to a body shop but the biggest concern I have now is potential damage under the car since I ran over it ... my guess would be it broke up or flipped when my spoiler hit it and was kind of flat for the rest of the runover because there are barely any scuffs anywhere under the car. What else should I look for? Is there any serious protection of the oil pan or anything or is it just that kind of cardboardy cover that I assume is for aerodynamics? I'm going to have an actual shop look at it Monday but I was hoping to jack it up and look myself yesterday just because it's really bothering me, plus I want to know if I can drive it to the body shop. I drove it about 8 miles home after the incident, drove fine, no lights, no leaks, or anything. Only thing out of sorts I can see underneath is the fastener in the photo ... it looks like it holds the cover panels together but it's loose and just wobbling there.


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Oh come on, that's silly? A Road Hazard causing damage to your insured property doesn't have to exhibit movement to be covered under your Collision or Comprehensive policy.
I did a quick google and it appears a stationary object is covered as a collision. But that means your rates could go up. Apparently, you're supposed to be able to avoid stationary objects. And those cars behind you? They're supposed to maintain a following distance to allow them to react to whatever you do. If they hit you, then it's their fault.

I'm not saying that's what you should do, I'm just explaining "insurance theory" which doesn't have all that much in common with what's safest.

Bottom line. I wouldn't make a claim unless it's either quite expensive or something you can't handle yourself. If it's not much above the deductible, don't bother.
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