How does your wife tell you she wants new rims?
 

Mine...
she drives around a "road closed" sign and drives over about a 4" section of cut out pavement... bends all 4 wheels on our A4. One of which was so bad it went flat.
The bright side... one of the wheels was slightly bent already and the tires all needed to be replaced. So all-in all, after an on-line visit to TireRack, the damag$ wasn't that bad.
I told her "honey, you have a strange way telling me you want new wheels" haha.

Will insurance cover it? Maybe it was a good thing.

Very subtle, Mine just orders something, and when it gets here she informs me that it is for her car not mine, and that I had better get to stepping with the install.