Its not if you have had a tire fall off, its when. I won't say anything other than I have had it happen. Fortunately, no one was hurt and my insurance took care of the repairs. I really think it has to do with how well you take care of the "mistake" All the best processes in the world, can't prevent all accidents. I sent a customer recently to one of the largest tire chains in our area (yes, I didn't have a tire machine so I had no choice). The customer had a tire fall off, causing damage to the car. Fortunately, the customer was turning into a parking spot so it didn't hurt anyone. Even though all the "processes" had been followed it still happened. The manager at this tire store bent over backward and took care of everything. This customer was so impressed, they personally told me so.