SuperDutyMan wrote: As an ex damage appraiser of a major ins. co. for over 15 years,it's pretty simple....THE TIRE IS NOT COVERED.....the carcass struck the TT,it is a collision loss,very simple,your ins. co. only covers the damage done by the tire,no rip off,just the way it is....sheez!
Sounds like an Allstate rep!!.
Bet you are/were an RV salesperson at one time also, LOL!
~
As usual...you are clueless,if you could read an insurance policy,you would see how foolish your remark was...
And it is written in "plain language", but that does not help the ones who chose to ignore facts.
if the tire blows out because the tire fails it is a comp claim and will not cover the tire. If you hit something in the road that causes the tire to blow, that is a collision claim and will pay for the tire. No scam there. It is in black and white in your policy. If an insurance co is trying to screw you, you should file a dept of insurance complaint. As an insurance adjuster, I can tell you nearly every time someone is slamming their insurance company it is because they expect to be paid for something their policy does not cover. READ YOUR POLICY BEFORE YOU HAVE A CLAIM. If there is something you want covered that isn't in the policy you purchased, tell your agent you want it added to policy and your willing to pay the additional premium. After the incident, it is too late to decide you aren't happy with the policy you bought.......at least on this claim.
Two quick examples, if I may.
1. My wife was hit on the front passenger side of her truck recently. As part of the repair the insurance company replaced the wheel and the tire, fearing the tire suffered internal damage. This was an educated assumption in making us 'whole' ( she was not at fault). The tire is being replaced because of the accident, not because it caused it.
2. A few short years ago we suffered a blowout of the outside rear tire on our motorhome. There was damage to the fender panels and some mechanical. The tire was 'new' and the manufacturer claimed it had sidewall damage. Since we couldn't prove either way they (Goodyear) refused us compensation. However, my job at the time required a great deal of travel and I knew where a wrecked MH sat from which used parts could be gleaned. In my duties I dropped by, picked up the parts ( the repair shop provided the wrecking yard a credit card number over the phone) and I transported the parts to the shop. I expected nothing, I just wanted my mh back. Progressive, as a thank you, waived my deductible AND paid for a new tire. They didn't have to do any of that. They felt we had saved enough money to justify it.
On the same visit I purchased the window awnings from the wreck and planned on putting them on when I had 'time'. The repair shop knew of my intentions but as a kind gesture installed all three of them at no charge.
The only thing that my policy required was to repair the damage. Not the tire and certainly not the awnings. It was one of those times that applying the Golden Rule had a rebate.
1994 Vectra DP
230 Cummins / MD3060 Allison Trans
Banks Stinger / Improved Injectors
US Gear Exhaust Brake
Towing 1989 Ranger / Unified Tow Brake
FWIW -- SuperDuty is absolutely correct. Ask yourself, 'what damaged the coach'? Impact from the tire carcass. Impact means colliding with. Colliding mean collision coverage.
Just one more FWIW -- insurance is becoming increasingly competetive. Each company has stepped up their advertising budgets to massive amounts. The Lizard and Flo both spend more than $600 million annually. If they could pay your paltry little claim and keep your whining a$$ they would. It's a lot cheaper to keep customers than to find new ones.
Bob & Carla
Josh & Emily
mostly Lab mix Eryn
Chase is waiting for us at the Bridge
2007 Chevrolet 2500 D/A
2011 Jayco 308 RES
Comp is usually a broad coverage for losses to an insured car due to fire, theft, or other losses that are not the result of a collision …
Comp covers thins like Theft Vandalism Glass damage (such as a broken windshield) Damage sustained from hitting an animal or bird Damage from falling objects or missiles Fire Floodwaters Damage sustained due to severe weather or natural disaster -- such as wind storm, hail, hurricane, tornado, etc.
I would argue and challenge that a blowout and resulting damage are not a result of collision any more than a stone hitting your windshield or falling debris is or a bird flying into the side of the auto would be…
Running over a tire lying in the road that damages would fall under the collision portion……
Love my mass produced, entry level, built by Lazy American Workers, Hornet
bodyshop bob wrote: FWIW -- SuperDuty is absolutely correct. Ask yourself, 'what damaged the coach'? Impact from the tire carcass. Impact means colliding with. Colliding mean collision coverage.
Just one more FWIW -- insurance is becoming increasingly competetive. Each company has stepped up their advertising budgets to massive amounts. The Lizard and Flo both spend more than $600 million annually. If they could pay your paltry little claim and keep your whining a$$ they would. It's a lot cheaper to keep customers than to find new ones.
And if you collide with a deer what happens??? You file a collision claim???
bodyshop bob wrote: FWIW -- SuperDuty is absolutely correct. Ask yourself, 'what damaged the coach'? Impact from the tire carcass. Impact means colliding with. Colliding mean collision coverage.
Just one more FWIW -- insurance is becoming increasingly competetive. Each company has stepped up their advertising budgets to massive amounts. The Lizard and Flo both spend more than $600 million annually. If they could pay your paltry little claim and keep your whining a$$ they would. It's a lot cheaper to keep customers than to find new ones.
And if you collide with a deer what happens??? You file a collision claim???
Read your policy. I think you will find animal collision listed under comp. Otherwise, yes it would be a collision claim. The tire blew out, the tire then colided with the RV doing damage. If the tire had not colided with the RV, there would be no damage.
Read your policy. I think you will find animal collision listed under comp. Otherwise, yes it would be a collision claim. The tire blew out, the tire then colided with the RV doing damage. If the tire had not colided with the RV, there would be no damage.
I have never worked in the insurance industry so take this from what the "average Joe" thinks. The problem with this analogy is the tire is part of the vehicle. You can't collide with yourself.
Quote: FWIW -- SuperDuty is absolutely correct. Ask yourself, 'what damaged the coach'? Impact from the tire carcass. Impact means colliding with. Colliding mean collision coverage.
Using that logic, I should net get my windshield paid from comp because a rock "collided" with it?
~ Too many freaks & not enough circuses ~
"Life is not tried ~ it is merely survived ~ if you're standing
outside the fire"
bodyshop bob wrote: FWIW -- SuperDuty is absolutely correct. Ask yourself, 'what damaged the coach'? Impact from the tire carcass. Impact means colliding with. Colliding mean collision coverage.
Just one more FWIW -- insurance is becoming increasingly competetive. Each company has stepped up their advertising budgets to massive amounts. The Lizard and Flo both spend more than $600 million annually. If they could pay your paltry little claim and keep your whining a$$ they would. It's a lot cheaper to keep customers than to find new ones.
And if you collide with a deer what happens??? You file a collision claim???
Read your policy. I think you will find animal collision listed under comp. Otherwise, yes it would be a collision claim. The tire blew out, the tire then colided with the RV doing damage. If the tire had
not colided with the RV, there would be no damage.
The exploding tire is the cause of the damage not the impact… otherwise you could just say all damage is a result of some type of impact… almost all damage comes from impact with something with either comp or collision
I agree if you run over a tire section in the road the resulting damage would be collision…
Again I would argue the tire explosion is the initial cause of the damage and responsible for all the resulting damage and I would feel comfortable with that position…
Just as Falling debris is covered by comp even if you are driving when it falls on you vehicle…
if it hit’s the road first and then you hit it or it hits you, the same debris is then a collision claim…
Either way impact was involved…
This is why they have the court system,,, insurance companies try to scam the claimant with legalese and the claimants try to keep pace by ballooning estimates, and the garages both working and being worked from both ends…
Disclaimer: I am not a expert or a engineer or agent… I have always had a job with my name on my shirt… all expressions and comments are my opinions based on my limited knowledge and 40+ years of experience of camping and RVing and life… everything I say comes with no expressed or implied warrantee of any kind, but they are worth every cent you paid for them…
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Progressive, as a thank you, waived my deductible AND paid for a new tire. They didn't have to do any of that. They felt we had saved enough money to justify it.
