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That is considered a road hazard but you should contact your insurance company to find out if anything can be done.

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Q: If someone's tire comes off and strikes our vehicle how can their insurance company deny our claim?
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What happens if you wreck someones car who has insurance but you have no license and they are not pressing charges?

If they are not pressing charges, then they are giving you permission to drive their vehicle. If you give someone who doesn't have a drivers license permission to drive your vehicle, you are voiding your insurance coverage. The Insurance company will not pay.


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Usually, it is the responsibility of the owner. However, if you have insurance on your vehicle, they will step in as secondary coverage...including covering the damage to the vehicle you were driving, if you have the coverage.


Why would an insurance company declare a vehicle totaled?

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