Insurance wants to replace a single tire after collision - Subaru Outback - Subaru Outback Forums
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post #1 of 36 (permalink) Old 01-09-2019, 05:50 PM Thread Starter
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Insurance wants to replace a single tire after collision

I was in a collision where the other vehicle damaged the sidewall of a single tire beyond repair. However, their insurnace estimate only wants to replace one tire. They claimed Subaru recommends but does not require the same tire pattern and wear/diameter. Of course none of the tire shops will only do a single tire on a suabru for that reason. Has anyone has success convincing insurance otherwise?

The current tires are a matching set. They have 30k miles and are rated for 80k so the diameters definitely won't match up.

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post #2 of 36 (permalink) Old 01-09-2019, 06:28 PM
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Everything I've read says all tires must be replaced at the same time and routinely rotated to ensure even wear of all tires. Which made me wonder, what if I have a flat? Can I use my spare? On older models, you can remove a fuse which converts to front wheel drive but to my knowledge, the Gen 3 on up doesn't have that option.

You'll probably need to get some verification from a reliable source on replacement of the other tires.

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post #3 of 36 (permalink) Old 01-09-2019, 06:38 PM
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All 4 tires need to match.... Size, tread depth and tread pattern. If they don't catastrophic transmission damages will occur.
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post #4 of 36 (permalink) Old 01-09-2019, 06:59 PM
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I replaced a single tire with around 5K miles on the odometer. I felt that the other tires were not worn enough to be of consequence.

Insurance is only responsible to "make you whole"... oftentimes you need to spend some money also.

For example, when tree fell on my house... sure Insurance covers a lot of the repairs... but I had some out-of-pocket expenses which should be done while the house is torn apart for repairs.
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post #5 of 36 (permalink) Old 01-09-2019, 07:03 PM
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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")
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post #6 of 36 (permalink) Old 01-09-2019, 07:33 PM
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Convincing the insurance to shave your tire sounds like the best option. Followed by doing it yourself.
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post #7 of 36 (permalink) Old 01-09-2019, 09:29 PM
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Quote:
Originally Posted by Brucey View Post
Convincing the insurance to shave your tire sounds like the best option. Followed by doing it yourself.
you might want to rephrase that.

like the subaru owner paying for the shaving even if the insurance company knows or cares of such a endeavor,

vs. ...doing the subaru owner shaving as a DIY.

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post #8 of 36 (permalink) Old 01-09-2019, 09:29 PM
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Has anyone actually measured the tires tread depth to see how close you are to the Subaru tolerance level?
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post #9 of 36 (permalink) Old 01-09-2019, 10:24 PM Thread Starter
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Has anyone actually measured the tires tread depth to see how close you are to the Subaru tolerance level?
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.
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post #10 of 36 (permalink) Old 01-09-2019, 10:25 PM
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Originally Posted by eagleeye View Post
... shaving as a DIY.
That used to be relatively easy to do with V8 torque and an open differential.

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