My experience is a bit different. Mud flaps do hit speed breakers once in a while but nothing like broken pins let alone any damage to the bottom of the car in last 11 years of driving multiple Honda City's (2005, 2008, 2012 and 2015 models) and driving in cities like Islamabad, Karachi, Lahore, Peshawar and Multan to village roads in Distt Khushab, Sargodha, Bhulwal to Naran and Babusar top (visit to Naran / babusar two times....latest visit was 3 months back and it did hit at few places but nothing serious). And guess what.....All my Honda City's were/are stock with stock tyres and rims size....no spacers, bigger tyres or Rims ever used.