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Originally Posted by Pimpreza
So who is to say that the tyre wasn't under inflated or had a slow leak/puncture, pretty hard for the insurance company to prove it was the load rating that caused the accident & the judge would more than likely err on the side of the driver as a load rating of 76 (1.6T) would actually be enough to carry any Subaru out there, I'm sure they just give the higher rating to cover towing & fully/overladen cars.
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Thats one of the examples the claims manager gave me. There are so many factors relating to tyres, load, inflation etc. Working out if the tyre burst due to over-inflation or load would be almost impossible.
When declining claims insurers must adhere to guidlines set out by the corporations act & The Trade Practices Act. Also the insurance Ombudsmen (external group) do investigate declined claims. If the claims are unreasonably declined then the insurer can lose their license, due to not adhering to the requirements set by the above mentioned acts