Could your insurer reject your claim due to the condition of your tires?

2020-02-12 06:01

AS a responsible driver, what can you do to protect your family and ensure that, in the event of an accident, your insurance claim will be covered? The first step is to ensure that your vehicle is in a roadworthy condition and that includes your tyres, not only to have your claims paid but to prevent accidents happening.

“Tyres are the only thing keeping your car safely on the road. For this reason, motorists must check their tyres regularly, and replace them if necessary, with tyres that are deemed to be roadworthy. When the tread on your tyre goes below three millimetres braking performance starts to deteriorate — especially in wet conditions. Once the tyre reaches the legal limit of 1,6mm it can take twice the distance to stop when the road surface is wet.”

CEO of Impac Underwriting Managers, Hennie van Staden, says: “When a vehicle has been involved in a car accident, one of the first things the assessor will do is check the tyres. If the tyre is under the legal tread limit of 1,6 mm, chances are the claim will be rejected.

“Car insurance is not supposed to be a battleground between policyholders and insurance companies. It’s an agreement reached through mutual understanding, where the insurance company agrees to provide cover for specified risk in return for the payment of car insurance premiums,” van Staden explains.

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— Supplied.


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