A few weeks ago my wife was in an accident that was not her fault. The other driver's insurance is paying. She was hit in the back drivers side quarter panel and it blew out that tire. The insurance company is only wanting to replace 1 tire. In talking with tire guys, you always replace both tires as only replacing one could lead to other issues including losing control with tires gripping different, pulling to one side, wearing uneven and others. Am I being unreasonable in thinking/demanding they pay for 2 tires when I wouldn't be buying any tires right now if their client hadn't hit my wife? The tires she has now aren't anywhere close to new but they still have a little life in them. If you don't think I'm being unreasonable, any other arguments or tips I can use when "discussing" the issue with the other insurance company? I haven't spoken with them about it but want to have my ducks in a row before I do. Thanks.
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What % of tread life is on the undamaged tire? -
They aren't going to cover a tire that wasn't damagedComment
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How much is the total cost of repair out of curiosity? You may want to also be talking to them about diminished value. In all likelihood, they will not pay for the other tire. They are responsible for replacing the damaged tire, and that's pretty much it. They are going to probably consider that wear and tear. They would probably work with you in a situation where, say, one wheel was damaged and that particular wheel was no longer available.Comment
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I don't buy the one will cause issues, but I would want all of them replaced at the same time even if I had to buy the other 3.Comment
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I don't know what the total cost is. We have been kept in the dark as that has been "negotiated" between the body shop and insurance. We trust the body shop, we picked it, but we haven't seen anything from either party. I have a call in to the body shop and insurance company from this morning but neither has gotten back to me.Originally posted by ACCURACYINC View PostComment
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I would have to look. I would say less than 50% left but not an immediate need to replace.Originally posted by bboswell View PostComment
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You have a right to see the body shop's estimate and you should not be "in the dark" at any time during the process. Period. I've been an agent for 25 years, so I am just giving you my thoughts. Not trying to be intrusive.Originally posted by cehorn View PostComment
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Not being intrusive at all. I welcome any and all help, especially from those in the business. I have no doubt the body shop will give us the estimate when we talk. They called us regarding the tire as they put 2 in their estimate at our request and the insurance company apparently fought it. I haven't been too involved in the process until now as my wife has been handling most of it since I have my own accident I have been dealing with.Originally posted by ACCURACYINC View Post
I can say thru this process I haven't been impressed with Progressive at all (on my wreck) and not too impressed with Farmers on my wife's. Maybe that's just the nature of the business.Last edited by cehorn; 12-22-2020, 01:17 PM.Comment
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Originally posted by cehorn View Post
Less than 50% would somewhat validate the tire shops position but still doesn’t make it an insurance issueComment
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2 principals of insurance companies.
1. Screw you out of your money when you're buying insurance and
2. Screw you out of your money when you're collecting on claims.Comment
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I can see why you say that but it's true and you know it.Originally posted by ACCURACYINC View PostInvaluable input.
Insurance is a necessary evil, sorta like lawyers.
To the OP, I would not let that other ins co get away with just one tire. I always buy my tires in pairs, and it's not your fault they are trying to screw you out of that safety feature. Sic em.Comment
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