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Tire coverage denied

S

sjacobs

New member
Hi all, I just had my tire claim denied as they said the tread on my existing tire was too low. I had a 3 inch nail/spike in my rear tire. I admit my tires were getting worn, but not sure why they denied the claim completely-they are not paying for replacement tire, changing of the tires, balancing-nothing at all, just completely denied. I have had this coverage for 6 years and this is my first claim. Kind of feels like when you pay year after year to your insurance company and the first time it you have a claim, it is denied. Has anyone else experienced this?? Not sure if this is somethig MOA should be aware of?? thx
 
What was the remaining tread depth?

Was it down near the wear bars?

What does the tire contract say as far as remaining tread depth?






:dance:dance:dance
 
I'll have to check the contract, but not sure I have ever seen it, I have the coverage via my MOA membership...
 
sjacobs said:
Hi all, I just had my tire claim denied as they said the tread on my existing tire was too low. I had a 3 inch nail/spike in my rear tire. I admit my tires were getting worn, but not sure why they denied the claim completely-they are not paying for replacement tire, changing of the tires, balancing-nothing at all, just completely denied. I have had this coverage for 6 years and this is my first claim. Kind of feels like when you pay year after year to your insurance company and the first time it you have a claim, it is denied. Has anyone else experienced this?? Not sure if this is somethig MOA should be aware of?? thx
Click to expand...

Get your tread depth tool out...remaining tread less than 2/32" (1/16") anywhere along circumference of tread? If so, it would be declined. The fact that you've had the coverage for 6 years or that this is your first claim, does not matter. That is unless this carrier has some type of "Good Will" policy that they, at their sole discretion, wish to employ.
 
Yep, they are not going to give you a new tire to replace your worn out tire just because it has a hole in it. Personally, I think the tire protect plan is a waste of money. I have averaged 10,000 miles a year over the last 16 years and have had one flat tire, and that tire was about as bald as it could be. I could see a shadow of tire tread, not enough to measure! Plus I found it flat in my garage. I had a tire to put on, just was busy! It happened on a Sunday morning as friends were coming over for a ride. I shoved a plug in it and went on the ride.
 
My recent puncture.

2E7C9C4A-6F2C-404D-A69B-E41359FB3E35.jpegBCB80FDA-59B6-46A1-8B1D-2D9041AE29EE.jpeg81CF84F3-319F-4B0B-957B-3F902D49FE9D.jpegFB58759B-F0DA-40B8-AF0D-238EE539AC92.jpeg

Last month my new Dunlop Road Smart III’s picked up a staple on the way home. It took several calls to NSD emails with pictures (posted here) with 7mm of tread still on them. I did get my claim check eventually, but I had to work for it.

I’m looking at options on how to “improve” this process. For now, I say stick with those legit claims and hold NSD accountable for their payouts. Also, never hesitate to call the office and talk to our staff, to help you out. They are always our advocates in these matters.
 
Hi, if NSD is so difficult to work with, why not go with another provider, I am sure an organization such as MOA would be welcomed by other road and tire hazard providers? One should not have to "work on it"-obtaining claim coverage. I will say everyone at MOA has been so receptive and helpful to me re: this issue. This is the kind of service we should be demanding from our NSD, if they can't provide it, they don't deserve MOA's (our) business.
 
sjacobs said:
Hi, if NSD is so difficult to work with, why not go with another provider, I am sure an organization such as MOA would be welcomed by other road and tire hazard providers? One should not have to "work on it"-obtaining claim coverage. I will say everyone at MOA has been so receptive and helpful to me re: this issue. This is the kind of service we should be demanding from our NSD, if they can't provide it, they don't deserve MOA's (our) business.
Click to expand...

I couldn’t agree with you more regarding what our MOA members deserve. As I mentioned earlier, I’m exploring options.
 
I have had the tire coverage 3 years now and have used it more than I would like... without issue. Read the fine print and follow the rules.
 
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