My Car Insurance claim denied - Help

Sandtree

Dot213 said:
Please do you know the process of getting an independent report?

Where is the vehicle at the moment?

Find someone accredited from the likes of the Institute of Automotive Engineer Assessors and arrange for them to inspect the vehicle and produce a report on the state of the tyres and if they would have contributed to you losing control.

Alternatively, measure the tread depth for yourself and if its significantly below the legal limit you may want to save the cost of the report.

cymruchris

Was the car serviced at regular intervals by the main dealer? When was the last service? Was any mention made of tyres getting close to the limit?

Tyres are something that need to be checked regularly by the driver/owner - I know some people say weekly - but at least take a glance every month or so to ensure the tread is all looking good - they don't automatically last until the first MOT when a car is three years old. 37000 miles (in my opinion) without changing tyres would indicate to me that they were right, and that you'd let them get beyond their safe (and legal) limit. Just because a car doesn't need an MOT In the first three years - doesn't mean you can drive it without checking it until then, and everything will be fine. 

If they were at 1.5mm across the tread you might have a bit of an argument if they really, really, really were close to the limit, but if they were bald at the edges with say a 1mm or less tread, you'd be to blame for not keeping the car in good order. So it depends really on how badly worn they were as to whether it's worth fighting, and getting an independent report, or whether it might be a very expensive error for not maintaining your car to the required standard. 

k3lvc

Dot213 said:

[DELETED USER] said:

Are these the original tires from when you bought it (new) and how many miles have you done?

Yes, original tyres from when bought new....about 37,000 miles.
due to the pandemic and being a front line worker, had to do more driving to work and back

37k miles on original tyres and rear wheel drive in the rain - TBH I'm surprised you're still here to tell the tale.

If you can't be bothered to check your tyres when doing that sort of mileage in a RWD car I've no inclination to help re independent report - someone else may have sympathy with you but I don't

Dot213

Sandtree said:

Dot213 said:
Please do you know the process of getting an independent report?

Where is the vehicle at the moment?

Find someone accredited from the likes of the Institute of Automotive Engineer Assessors and arrange for them to inspect the vehicle and produce a report on the state of the tyres and if they would have contributed to you losing control.

Alternatively, measure the tread depth for yourself and if its significantly below the legal limit you may want to save the cost of the report.

Vehicle is at the Car manufacturer's garage.

Ok, will do that.

Thanks a lot for your suggestions.

Dot213

cymruchris said:

Was the car serviced at regular intervals by the main dealer? When was the last service? Was any mention made of tyres getting close to the limit?

Tyres are something that need to be checked regularly by the driver/owner - I know some people say weekly - but at least take a glance every month or so to ensure the tread is all looking good - they don't automatically last until the first MOT when a car is three years old. 37000 miles (in my opinion) without changing tyres would indicate to me that they were right, and that you'd let them get beyond their safe (and legal) limit. Just because a car doesn't need an MOT In the first three years - doesn't mean you can drive it without checking it until then, and everything will be fine. 

If they were at 1.5mm across the tread you might have a bit of an argument if they really, really, really were close to the limit, but if they were bald at the edges with say a 1mm or less tread, you'd be to blame for not keeping the car in good order. So it depends really on how badly worn they were as to whether it's worth fighting, and getting an independent report, or whether it might be a very expensive error for not maintaining your car to the required standard. 

Ok, I will measure the tread as suggested and go from there.

Thanks