I was pulling out onto the road and heard a noise in the front and right after my upper ball joint snapped completely off folding the tire underneath the truck and smashing the whole front end. Very lucky I was not on the highway. Had truck towed into my shop where after examination part failed prematurely. My insurance paid for it all which was just short of $10,000 in damage minus my $500 deductible and the tow bill. Now I have lost my safe driving deduction because of this claim, which caused my insurance to skyrocket. There were no prior warning signs, and I have my vehicle serviced and inspected regularly at my service provider.