well I gone and done it this time... on the way home Tuesday night with the girlfriend's truck right after I had put on snow tires on and torqued once and low and behold I lost a tire...... Felt like such an ass. so now we have a claim in with her insurance over $1300 in damage. didn't ruin any of the studs just busted up the fender and some mounting brackets. Even the wheel is okay. $500 for a stupid plastic fender... least no one was hurt. She took it fine (both her and our daughter were with us)..