will my car insurance claim be refused because i had 2 bald tyres?

anna42hmr

live4therush wrote: »

thanks for replies guys.

I am kind of hoping that my insurer will not see the tyres as a contributing factor as i lost control of the back end of the car, but i know they may well refuse to pay up.

if they settle the third party claim then that would be a plus at least, as well as paying recovery costs etc.

i understand some insurers are more picky than others, anybody know what churchill are like in this case?

depending on the cost of the repairs it is more likely than not that churchill willl send an insurance engineer to inspect the vehicle, and if they do, they should (and usually do) check the condition of the tyres, if the engineer notices, usually he will notify the claims team to see if they will repudiate the claim or not, afterall churchills policy (along with all rbs insurance policies) state that customers must maintain their vehicle to a roadworthy condition.

if you use a recomended repairer, and engineer may or may not inspect and if an engineer doesnt, it is highly likely that the repairer will notice the condition and alert the engineer that covers them.

missile

Arnold Clark are offering free tyre safety checks :j

jaytrojan

Always change mine at 3mm, its the only thing that keeps you in contact with the road.
BTW how fast were you going to lose it in a corner?

jaytrojan

Also there's a reason why they have a limit, the lower the tread the [STRIKE]shorter[/STRIKE] greater the stopping distant, makes the difference when a child steps in the road.

Ian_W

jaytrojan wrote: »

the lower the tread the shorter the stopping distant, makes the difference when a child steps in the road.

Erm, shouldn't that be "the [STRIKE]shorter[/STRIKE] longer the stopping distant"?

lisyloo wrote:

I agree with you jaytrojan

You sure?:think:

Now what were those courses you mentioned :question:

missile

lisyloo wrote: »

I have ordered 4 new tyres and I'm getting them changed on Saturday :T
So many thanks for the discussion.
Just in case anyone was thinking it was becoming a pointless load of drivel - it wasn't - it does change behaviour.



I agree with you jaytrojan, but also observation, hazard perception, travelling at the right speed, not being tired play a part too as well as lack of distractions (like phone, shaving, coffee, food, applying makeup etc.).

I would encourage people to go on any courses available if they can (like rospa, iam). As well as being good for your driving skills you can also get insurance discounts. For motorcyclists there are some free courses like BikeSafe and RideToLive.

and it only took you 22 years behind the wheel to learn that? :rotfl:

missile

Hi,

I am glad you have a sense of humour, but driving on bald tyres is not something I joke about. Only 1 in 7 drivers take any additional training after passing their test. I am very pleased that you are 1, even if it did take you .......... (a while) to realise the benefit.

If you are following the skills for life program, I am very surprised that your IAM observer did tell you about the pre-ride/drive checks?

FYI "check both tyres for ........" and "check all the tyres, including the spare........." applicable to bikes and cars respectively.

missile

I am not picking on you, my posts were intended to be informative and in jest but let me repeat it was YOU who found fault with my post.

I find it banal that someone who expressed sympathy for OP having an accicent when driving with two bald tyres should preach about advanced driver training :A

missile

I feel more compassion for the guy whose car he crashed into. The OPs insurance may well be invalidated by OP having bald tyres who will pay for third party damage? The OP did not seem concerned about that and more importantly if he had caused physical injury.........

However as discussed in my private message, I have no desire to start a war of words and I am sorry my comments caused offence :iloveyou:

Quentin

The condition of the car tyres has no bearing on the innocent third party being able to claim from the op's insurance company.