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I live in Michigan. I found out my wheel rim had a small crack from a pothole, and the dealership said my insurance probably will cover that since it wasn't my fault. I'll find out Monday when the insurance adjuster can look at it. But, they also pointed out a dent in my bumper that is a complete mystery to me. I know for sure I didn't back into anything to cause it. The dealership repair shop manager said to tell the insurance company the bumper was damaged as well as the wheel, so I told the insurance company about both being damanged. I don't think the insurance adjuster is going to believe the bumper dent was related, and especially since the dent is 4 feet away from the wheel! Would it be better to tell them the bumper dent happened in a parking lot? I don't know if it was the pothole or a parking lot, but it happened somehow, and I thought insurance covered things that were out of my control? Any help is greatly appreciated.
I once came out of work to a fractured front bumper. It had to be one of the many oversized trucks that pull in and out of that facility.
I turned it in, insurance accepted my claim. All I could tell them was what I knew, it wasn't like that when I went to work.
I wouldn't try to explain that dent, as you really can't. I think it is acceptable to say that it was noticed when the car folks were looking at the cracked wheel...and it's the truth.
Sounds like two seperate claims, with two seperate deductibles. One possibly being at fault. Hitting a stationary object in the road (a pothole) is an at fault collision
The dent could be classified as a hit and run covered under umpd if you carry it. Otherwise it would be collision not at fault.
Depending on how much it cost to repair, I'd be tempted to keep shtum and avoid putting in a claim altogether.
It may make more sense to pay out of pocket for the repairs.
Besides incurring deductibles, multiple claims can cause premiums to rise and/or force cancellation with some carriers.
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