Insurance wants to replace a single tire after collision - Page 2 - Subaru Outback - Subaru Outback Forums
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post #11 of 36 (permalink) Old 01-09-2019, 11:06 PM
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I was just talking about this to someone else somewhere else.

Subaru supplies their vehicles from the factory with a spare tire that is 3% difference in size.

Based on the factory sized tire versus the factory sized spare at no point during the tread life of the AT tires should tread depth difference exceed 3%. In fact it's more like half that.

(13/32" brand new on that tire - 2/32" legally end of life = 11/32". 11/32" On a Tire with a Diameter of 29.5" is a difference of around a 1.4% circumference difference.)

I say 3% because that happens to be the size difference between the Subaru factory sized tires (225/65/17) and the factory sized spare (155/80/17) so I am comfortable running it since the newer AWD systems don't require the FWD fuse to be installed and seem to be able to compensate for differences in circumference of at least 3% based on OEM specifications.

Can someone smarter than me check my math? @Richard Pare @Fibber2

If my math is correct why is it different than the 4/32" quoted within acceptable limits?

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post #12 of 36 (permalink) Old 01-09-2019, 11:19 PM
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11/32 (.343") difference in tread depth is actually .687" diametrically - the reduction of the tread depth is on both sides of the diameter.

On the 29.5" diameter tire as an example, the difference in diameter between new and worn down 11/32 is 2.3%, still below the 3% between a new road tire and the temporary spare.

Quote:
Originally Posted by Brucey View Post
I was just talking about this to someone else somewhere else.

Subaru supplies their vehicles from the factory with a spare tire that is 3% difference in size.

Based on the factory sized tire versus the factory sized spare at no point during the tread life of the AT tires should tread depth difference exceed 3%. In fact it's more like half that.

(13/32" brand new on that tire - 2/32" legally end of life = 11/32". 11/32" On a Tire with a Diameter of 29.5" is a difference of around a 1.4% circumference difference.)

I say 3% because that happens to be the size difference between the Subaru factory sized tires (225/65/17) and the factory sized spare (155/80/17) so I am comfortable running it since the newer AWD systems don't require the FWD fuse to be installed and seem to be able to compensate for differences in circumference of at least 3% based on OEM specifications.

Can someone smarter than me check my math?

If my math is correct why is it different than the 4/32" quoted within acceptable limits?


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post #13 of 36 (permalink) Old 01-10-2019, 09:35 AM
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Quote:
Originally Posted by eagleeye View Post
you could have a large tire shop shave the new tire down to match what you got.

discount tire direct and tire rack also do it and ship you the tire for a local garage to install.

edit: @Discount Tire about how much does this service cost ? (this thread exists here many times,...with the subaru "all tires the same mantra")
We don't actually offer this service because it "technically" voids the manufacturer warranty, but it can be done for around $30.00 depending on the tire size.

Also, we follow industry standard when it comes to replacement tires on AWD platforms. It's recommended to replace all 4 ties unless specific criteria/guidelines are stated by the vehicle manufacturer in the owners manual.
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post #14 of 36 (permalink) Old 01-10-2019, 09:47 AM
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Originally Posted by TwoFortyJeff View Post
You measure circumference actually. The difference should be within .25 inches. It'll be out of spec for sure.

Shaving might work, but the current tires are no longer made.
Unless the tires are different sizes to begin with, tread depth difference is a perfectly acceptable measurement. Some use 2/32" left to right and 3/32" front to back. Others like to use 2/32" difference in any direction.

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post #15 of 36 (permalink) Old 01-10-2019, 10:19 AM
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For reference, we had a 1991 Subaru Legacy Wagon L AWD that we purchased new. An 18 wheeler took a sharp turn and went diagonally over the hood of our wagon when we were at a stop sign. This happened in Harrisburg, PA in 1993 when the car had about 35K+ miles. The repair estimate was close to $8K. They did not want to replace the seat belts including the automatic retractable shoulder seat belts in the front. I was intimately familiar with my owners manual and sent them copies of pages from it - the owners manual clearly stated that after an accident, the seat belts should be replaced. Once they verified it, they had no choice but to add that to the estimate. The repair estimate mushroomed to above $9K and they decided to total the car.

Point is, do you have written official Subaru documentation that includes strict tire tolerance specifications and can show that with one tire replaced, the tolerances will be out of specification? If so, present it to your insurance company and see where it leads.

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post #16 of 36 (permalink) Old 01-10-2019, 10:25 AM
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Another option is to call wreck yards, and see if they have a similar mileage vehicle. You may be close to what you need for a single tire.

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post #17 of 36 (permalink) Old 01-10-2019, 11:34 AM
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A used tire might do the trick. I am assuming the Google can find a tire that matches. Insurance might pay for that (the tire, shipping, and mounting), or they might simply hand you a check for the cost of a single new tire whichever is lower.


Or pony up for three new ones. You got roughly 50% life out of your current set.

You might be able to get your own insurance co to go after the other guy's insurance co to get a reimbursement, even if it's prorated, on 3 additional tires.
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post #18 of 36 (permalink) Old 01-10-2019, 12:55 PM
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Perhaps a negotiation is possible. Why not offer to the insurance adjuster to replace all four tires with similar quality tires, with them giving you a credit toward their purchase that is equal to the remaining 50k service life of the three tires that weren't damaged in the accident (about 5/8 the cost of three tires), and you absorbing the 30k you've put on them (about 3/8 the cost of three tires)?

By my accounting, they pay for 23/32, you pay for 9/32, assuming the simple wear model based on miles accumulated and tire warranty. That's a pretty good deal to get your tire replacement interval reset to 80k miles.

Four negotiation points would support doing this:

1. If no one will shave a tire to match circumference, it leaves your car out of spec.
2. But since the original tires are no longer available, and it's not recommended to mix tires even when they are similar in circumference, there's still a problem with shaving.
3. You would be absorbing the cost of the 30k miles on the three good tires, meaning you don't get any "betterment".
4. They owe you the fourth tire at full cost to make you whole on the one that was damaged, so that isn't included in this calculation.
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post #19 of 36 (permalink) Old 01-10-2019, 01:12 PM
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Does TireRack shave tires?

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post #20 of 36 (permalink) Old 01-10-2019, 03:17 PM
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Quote:
Originally Posted by Brucey View Post
I was just talking about this to someone else somewhere else.

Subaru supplies their vehicles from the factory with a spare tire that is 3% difference in size.
This handy website says the difference in diameter (and, thus, circumference) is 6%.


Quote:
Based on the factory sized tire versus the factory sized spare at no point during the tread life of the AT tires should tread depth difference exceed 3%. In fact it's more like half that.

(13/32" brand new on that tire - 2/32" legally end of life = 11/32". 11/32" On a Tire with a Diameter of 29.5" is a difference of around a 1.4% circumference difference.)
Nominal diameter of a 225/65R17 tire is 28.5" according to the tire size website. As someone noted, 11/32" tread wear (1/4" + 3/32") reduces the radius, not diameter, by that amount, from 14 1/4" (14.25") to 13 29/32" (13.90625"), about 2.4%.

Quote:
I say 3% because that happens to be the size difference between the Subaru factory sized tires (225/65/17) and the factory sized spare (155/80/17) so I am comfortable running it since the newer AWD systems don't require the FWD fuse to be installed and seem to be able to compensate for differences in circumference of at least 3% based on OEM specifications.

Can someone check my math? @Richard Pare @Fibber2

If my math is correct why is it different than the 4/32" quoted within acceptable limits?
See above.

The spare is intended for temporary use at limited speed for a limited distance. Long distances and high speed with mismatched tires is different, even if the mismatch is much less.

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