Call your insurance, they will tell you.
Most likely, they will have to have a appraiser come out, then appraise the wheel replacement cost. Once they give you the amount, you can choose to have them replace the wheels or, if you think you can get them cheaper, you can get a cash settlement for the amount they appraised for.
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Member of kenchan's "photoshopped mods" and "proper offsets" gang.
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