Recent Insurance Denial Claim due to "Mechanical Failure" specifically maintenance.

[BADAM4]

I am looking for any help, ideas, or advice moving forward with the following situation I am involved in. I rent my 2015 M4 on Turo. The most recent guest claimed to be driving and the rear driver side wheel 'came off' on the third day of his rental after approximately 350 miles had been driven. The rear tires are the same I got with the vehicle a year ago (approx 8k miles).

My biggest issue it the fact the adjuster claimed that 4/5 lug bolts came out simultaneously which didn't give the driver any time to react. Ultimately, I am working to file for an appeal and need all the solid data, I can get. I believe i have evidence 1/16 of threads are missing over a period of 500 miles (350 being in the possession of the guest)

Can anyone shed any light on any theories pertaining to this situation? I greatly appreciate everyone's time. I have attached the adjusters report along with photos of the current condition of the tire, etc.

[BzsBimmer]

Weird. Possibly the bolts worked free?
More plausible was that someone tried to steal the wheel and removed the bolts.

The person who rented the car, what did they say happened? Did they start the car and drive off and this immediately happened, or were they driving for 350 miles and this happened all of sudden?

Somethings sketch

[damageprone]

Originally Posted by BzsBimmer

More plausible was that someone tried to steal the wheel and removed the bolts.

This sounds most likely. No way all lugs would fail like that at once.

Let us know how it works out with Turo. The last user that had an issue braylark, they didn't really cover him either.

[FriedPiston]

It'll be a challenge to get personal auto insurance policy to provide coverage since damage was incurred while the vehicle was for hire (.e.g. Uber, Lyft, Turo, etc).

On the bright side, damage looks to be minimal, at least nothing that will put a dent on an M owner's bank account.

[BADAM4]

Originally Posted by BzsBimmer

Weird. Possibly the bolts worked free?
More plausible was that someone tried to steal the wheel and removed the bolts.

The person who rented the car, what did they say happened? Did they start the car and drive off and this immediately happened, or were they driving for 350 miles and this happened all of sudden?

Somethings sketch

Very interesting point, I hadn't thought of that. Somethings definitely sketchy though and that's the struggle.

They supposedly stopped for gas while traveling to a vacation destination. It happened at the end of the 350.

[BADAM4]

Originally Posted by damageprone

This sounds most likely. No way all lugs would fail like that at once.

Let us know how it works out with Turo. The last user that had an issue braylark, they didn't really cover him either.

Now the lugs were installed upon delivery of vehicle. So someone trying to steal the wheel could have happened on their time is what you are saying correct?

[BADAM4]

Originally Posted by nars3000

It'll be a challenge to get personal auto insurance policy to provide coverage since damage was incurred while the vehicle was for hire (.e.g. Uber, Lyft, Turo, etc).

On the bright side, damage looks to be minimal, at least nothing that will put a dent on an M owner's bank account.

This is one of the fears, I had the second tier of insurance offered which I thought was more than adequate.

Repair quote is $4600

[BADAM4]

Could burning out while turning, being sideways when the tires bite again create some sort of situation pertaining to this?

[braylark]

Originally Posted by damageprone

This sounds most likely. No way all lugs would fail like that at once.

Let us know how it works out with Turo. The last user that had an issue braylark, they didn't really cover him either.

The only thing that saved me was I contracted a couple of local bmw certified shops to write up a report on how this could have happened. Share Turos explanation and see if the shop can prove why their reasoning doesn't make sense and have them provide an alternative scenario. This worked for me. Typically the insurance adjusters Turo use get kickbacks when they can file in Turos favor. Or so I've been told.

[BzsBimmer]

Originally Posted by BEANIE1379

Could burning out while turning, being sideways when the tires bite again create some sort of situation pertaining to this?

That would have sheared off the bolts. I was looking for screws remaining in the bores and didn’t see any. The threads look clean. Also this would have created much more damage to the brake caliper.

It looks like the wheel literally fell off the hub and the car landed on the inner rim at a low speed.

[damageprone]

Originally Posted by BEANIE1379

Now the lugs were installed upon delivery of vehicle. So someone trying to steal the wheel could have happened on their time is what you are saying correct?

Correct.

[BADAM4]

Currently in the Fair Claims process so I am getting another shot to battle. Turo still claims lug bolts were under torqued so all of them backed out and fell off.

Is there anyone who could tell me what would cause the coloration or change in tire appearance on the edge of the tire by the number code E1190-61SS? The change is consistant around the tire and has a definitive change.

[BADAM4]

Originally Posted by BzsBimmer

That would have sheared off the bolts. I was looking for screws remaining in the bores and didn’t see any. The threads look clean. Also this would have created much more damage to the brake caliper.

It looks like the wheel literally fell off the hub and the car landed on the inner rim at a low speed.

Every with this slight mushroom around the lug bolt seat. The rim lug seats seem to be oblong now too from severe force. [IMG][/IMG]

[BzsBimmer]

The bolt shank diameter is smaller than the hole of the wheel. As the bolt started backing out, and wheel rotating, it would start making the hole oblong

[f80er]

The only way I see that happening is if the lugs weren't tight to begin with. I have an old Datsun and I took the wheel off and put it back on using a battery impact wrench that I though was tight enough. It wasn't and 3 of the 6 bolts backed off and rolled down the street around 20 miles after driving it.

But looking at the tread of your tires they don't look OEM, they look like all seasons? And your wheels have obviously been painted completely black so not OEM either. If you haven't touched them then at some point someone did because no way they would back themselves out if they were tight and torqued correctly. If they haven't been touched since new how many miles are on the car currently or since they were last touched?

[BADAM4]

Originally Posted by f80er

The only way I see that happening is if the lugs weren't tight to begin with. I have an old Datsun and I took the wheel off and put it back on using a battery impact wrench that I though was tight enough. It wasn't and 3 of the 6 bolts backed off and rolled down the street around 20 miles after driving it.

But looking at the tread of your tires they don't look OEM, they look like all seasons? And your wheels have obviously been painted completely black so not OEM either. If you haven't touched them then at some point someone did because no way they would back themselves out if they were tight and torqued correctly. If they haven't been touched since new how many miles are on the car currently or since they were last touched?

I bought the car with 22k miles on them. So I can assume 8k they haven't been touched.

The rims have been repainted? How can you tell?

[f80er]

Originally Posted by BEANIE1379

I bought the car with 22k miles on them. So I can assume 8k they haven't been touched.

The rims have been repainted? How can you tell?

They don't come in all black like that. They are 2 tone black and silver.

[BADAM4]

Update:

I did not prove there were any wrong doings and will being coming out of pocket for this one.

There is no clear answers on what occurred. Bmw instructs to go to the dealer. The dealer doesn't return calls and it's a circle.


Turo will not receive my business any more. In order for this to work the owner must be willing to come out of pOcket the total loss value of the car in order to protect breaking even at the most. This isn't sustainable for the prices and percentage taken by Turo for these types of vehicles. This is my fault for overlooking these details when signing up for this service. Once repaired I will be in the hole while considering previous rentals.

If anyone gives turo a try I recommend, adding ridesharing to your personal insurance policy.

[danchee]

Remember to post this thread to every single Turo social media post.

[993 911]

The look of your tire is consistent with the tires being VERY hot at the time of damage, like track day hot. The color/wear is due to high heat bringing oils to the surface and the texture from the tire "dragging" across the ground, like from power sliding / drifting. Your renter was up to no good. Were you able to check the ECU for how the car was driven?

[joooiiiiii]

I think your renter was doing something he/she shouldn't have been doing--no way damage like this could just occur. I suspect even if the bolts freed themselves, there would be obvious noises or feelings that occur before damage like this even occurs. I'm not gonna be the one to say "that's why I don't use Turo' but its too bad they didn't cover that. You should spread this situation on any platform that Turo renters may discuss on. Sorry to see this happen to you.

[icegrill]

What is all damaged in this repair?