Typically, this would be covered by your physical damage insurance policy. You should check with your insurance agent to see if your specific policy will cover the rims, especially if they are custom.
Collision coverage normally covers when you collide with something, even a pothole. and cause damage to your car, but insurance policy terms differ so we can't say for certain if your damages will be covered.
If you have custom rims, usually you'd have had to tell the insurance company previously about them so that they would know the worth of the rims. It's possible that you would need custom parts and equipment coverage for your rims to be covered by your car insurance policy.
If the pothole had been there for a lengthy period of time, it may possible be able to make a claim against the state or local agency that is responsible for the roadway where your accident took place.
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To go against the department that oversees the roadway you may need to prove that the pothole had been there for a while and should have been fixed. If the pothole appeared the day before your accident, then there really was no time for the transportation department to fix it, and likely can't be held negligent.
Some readers have told us about roadway agencies that have been receptive to claims, but it's possible to that to have them pay you'd need to file a lawsuit. Try contacting your state’s department of motor vehicles for more information.
Customizing Your Vehicle and Car Insurance is an article in our Learning Center that could be of interest to you. |