Just replaced a pair of two-week-old ADRs that took a hit from a raised transition strip on an interstate project. The insurance wasn't going to pay at first because mine was the first report. Seems Colorado has a regulation that "if we don't know about it, we can't fix it." At the first report, they have a crew on the scene within two hours or it's their problem. Period.
I work for the state department of transportation, so I called our risk manager and told him what happened. We went back and forth and I informed him that the temporary strip was s*** work and should have been checked by the crews periodically, I had called it in immediately and went back and took fotos two hours after it happened (so it couldn't be covered up), which I had already forwarded to the insurance company.
Within three days, I'd worked out a settlement at 70% with the insurance company; they weren't going to pay anything based on the "first report" BS. But I told them that dog wouldn't hunt and they agreed after talking with our risk manager.
Being the clever guy I am, I had the manager at the tire/wheel shop I frequent give me a quote based on retail wheel prices plus every conceivable add-on (I'd gotten a great deal on the wheels with dismounting/mounting/ balancing, etc. free). Also got the local Mazda dealer service guy to pad the alignment quote for me.
The 70% covered not only a new pair of wheels, it also covered the alignment and left me with about $40 in the checking account.
Moral: 1) some 40-series and lower profile tires virtually guarantee wheel damage and 2) if you can't dazzle 'em with your footwork, baffle 'em with your bulls*** and 3) in some cases. hope you weren't the first to report it.
Good luck. (rockon)