yeah, I lost a Michelin to a drywall screw in the sidewall shoulder, had less than 20k on the tire. At least it happened when I was nearly ready to put the winter rim/tire combo on the car anyway, so I had time to shop deals for a good price. Did not have any protection plan in place for the OE set.
Did get that coverage now, and have been happy with the Continentals that we settled on as replacements, so it all worked out fine. But a big expense because of that one small screw.
Oh, I was able to sell the 3 good ones to a used tire shop, for $20 apiece. At least that was better than paying disposal fee. LOL!