wa8yxm wrote:
If the damage was caused by defective tires, BILL THE TIRE COMPANY. would be my position.. Your insurance company should, I would think, take care of that for you, And not just for the deductible but for the entire damage.
The problem, of course, is the tires were made overseas and that makes it hard to do less the tire company has a US presence.
You would need a professional to explain it all to you, way above my pay grade.
I can explain it.
If you have a tire failure, the easiest thing to do is to turn the claim into the insurance company. They will "subrogate" the tire manufacturer. Subrogate means submit a claim on your behalf.
Tire failures are covered by your comprehensive part of your insurance, not the collision part. In theory, there would be no change in what you pay as comprehensive cover things beyond your control such as hail damage, flood damage, etc. (and please note that some insurance policies have specific exclusions)
Even if the insurance company does not do a subrogation, they are still obligated to handle your claim.
The other way to handle damage due to a tire failure is to handle the claim yourself. This can be, at times, quite difficult and time consuming, as you will need the tire in question to submit with your claim, and you will need to find the manufacturer or the distributor. This can be problematic for overseas manufacturers.
