I finally found the information on tire coverage. I was reading the wrong brochure. I needed to call a different number than road service to get prior authorization for the tire replacement. Because I could not figure out who to call I didn’t get in touch with them in a timely manner. The incident was on a Saturday night and I didn’t call until we arrived at our destination on a Thursday morning. Any further damage after a road hazard is not covered so they could still claim the tire ran flat and was not eligible for replacement. Leakage from a valve stem is not covered. Because they were closed during the incident I needed to keep the bad tire. I’m pretty convinced even if I had the tire would not have been paid for. There are too many exclusions. I suppose I made the assumption that a flat tire was a flat tire and not having a spare was a reasonable decision. We had a spare on our 2003 22’ Itasca and never needed it. I’m not sure what I will do. Platinum Complete is obviously a waste of money since there are so many loopholes in tire coverage. But even though I asked the roadside person how to file a claim I was not given the correct information. Especially that I needed prior authorization and to retain the tire. Although we were on the road and are pretty full without extra space for a bad tire. The fee for after hours service would not have been covered either. I am glad we had someone come out and replace a bad tire so we could get back on the road the next day. I was pretty angry with the insurance company but after reading the exclusions I realize even if I had kept the tire which I thought was unreasonable and even if I had the correct information regarding who to call first it would have delayed the repair resulting in delaying our trip and deadline to arrive for my son’s wedding. I suppose I should apologize to the insurance adjusters who I spoke with angrily. Many of my objections were fair about keeping a bad tire for inspection without prior knowledge or access to the policy restrictions. But I agree with the claim denial now as this insurance is not applicable to regular rv travel. I’m sure they mostly deny such claims as ours was probably not unusual. Knowing if a tire has been damaged by a road hazard in time to stop and take care of it is practically impossible. Any other course of action is not covered by the run flat policy.
There are a host of other exclusions including stuff that can’t be proven like tire inflation and rotation.
