The Dark Side For those members running "Car Tires" on their scoots. This is for their discussion only and not a place for "non dark siders" to mouth off about their negative opinions of this idea!

Insurance Question

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  #1  
Old 06-21-2018, 11:26 AM
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Mars47
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Default Insurance Question

Hi. Long time lurker, first time poster.

Looking at going darkside - I have my tire picked out already (
Bridgestone Potenza RE960AS Pole Position RFT Radial Tire - 195/55R16 87W Bridgestone Potenza RE960AS Pole Position RFT Radial Tire - 195/55R16 87W
) and I'm in the process of calling around to find someone who will install it for me. I really like the concept and all the of the info on here - I do alot of 2up riding and have gotten a trailer for long distance camping this summer and I think the load ratings on a car tire would be more safe than a bike tire for putting all that weight on my back end...plus give me some additional off the line friction for the quarter mile...

The question that keeps running through my head is insurance: If (Lord forbid) something happened could the insurance throw out a claim because of non-standard equipment? Has anyone ever had this happen? I did a search, but nothing came up when I searched "insurance". I guess the most obvious way of finding this out is by asking my insurance agent, but I feel like that depending on their answer I don't want the squeaky wheel to get the grease...if that metaphor makes sense.
 
  #2  
Old 06-22-2018, 03:41 AM
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PFWiz
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The answer is no. Every post I have ever read by someone who as asked their insurance company has posted the same answer. Unless it is obvious that the tire has some how caused claim it is simply not considered.

This is no different than putting apes on your bike, or a bigger front wheel, or a.....
 
  #3  
Old 06-22-2018, 08:14 AM
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Understood, thank you!

I'll join the darkside soon enough... my current tire has a wee bit more life in it.
 
  #4  
Old 06-22-2018, 11:57 AM
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DOT certified is DOT certified... my brother got rear ended pulling his trailer which has 10 ply truck tires on it instead of "trailer tires" and nothing was ever even mentioned. I'm assuming it would be the same sorta situation, insurance-wise.
 
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Old 07-24-2018, 10:30 PM
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I totaled a 2009 RK with a car tire on it. The tire was never mentioned.
 
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  #6  
Old 07-25-2018, 07:35 PM
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Actually the tire doesn't specify "car tire" anywhere on it or the accompanying papers.
 
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