Lug Nut Bits

 


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Applications: Auto Service, Appliance service, Tire change
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Relevant Background: "A lug nut or wheel nut is a fastener, specifically a nut, used to secure a wheel on a vehicle. Typically, lug nuts are found on automobiles, trucks (lorries), and other large vehicles using rubber tires...Lug nuts may be removed using a lug, socket or impact wrench. If the wheel is to be removed then an automotive jack to raise the vehicle and some wheel chocks would be used as well." ("Lug Nut", https://en.wikipedia.org/wiki/Lug_nut)

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Relevant Statistics: "The global automotive tire market was valued at $112.16 billion in 2019, and is projected to reach $154.40 billion by 2027, registering a CAGR of 4.1% from 2020 to 2027. By vehicle type, the passenger car segment was the highest revenue contributor in 2019, accounting for $80.33 billion, and is estimated to reach $110.47 billion by 2027, registering a CAGR of 4.1% during the forecast period. In 2019, Asia-Pacific was anticipated to account for major market share." ("Automotive Tire Market Statistics, Share, Sales, Trends by 2027", www.alliedmarketresearch.com)
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Relevant statistics on Auto accidents:
a. Ontario: “A study of the reported incidents, carried out by Ontario’s Ministry of Transportation (MTO), revealed that over the 4- year period, there was a total of 389 reported wheel separations from light-duty vehicles in the monitored region. Of these, 29% had resulted in a collision...” ("Dont Let the Wheels Come Off How to Prevent Wheel Separation”, https://www.caasco.com/blog/Automotive/dont-let-the-wheels-come-off-how-to-prevent-wheel-separation)

b. Wheel run off accidents elsewhere: “A wheel runoff accident is often referred to as a road debris crash. Approximately two-thirds of road debris-related crashes involved debris that became detached from a vehicle, including wheels, tires, driveshafts, etc. These items can either strike another vehicle as they detach or remain on the roadway and contribute to a crash.", .. Over-torqueing the lug nut: Overtightening the bolts that are used to secure the wheel to the car. This is the most common cause of wheel runoff accidents...Under-torqueing the lug nut: When the bolts securing the wheel to the car aren’t secured tightly enough. “ (“Wheel Runoff Accidents – Will Insurance Try to Blame You?”, https://www.farrinlawblog.com/wheel-runoff-accidents-will-insurance-try-to-blame-you)

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Relevant Insurance Coverage:
A. Contractor’s Tools and Equipment floater
B. Liability for business operations
C. Personal liability for injury and property damage from DIY jobs
D. Personal property coverage
E. Employer’s Liability for employees

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Relevant Coverage: 
A. Auto Insurance - Comprehensive (All perils) 
B. Liability Insurance 
C. Travel and Health Coverage 
D. Life Insurance
E. Life Jacket, panic button, anti-drowning bracelet, GPS Tracker
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Location: North America

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