"akheel" wrote in message
...
"Eisboch" wrote in
:


"akheel" wrote in message
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Did it ever occur to you that the reason sidewall patches are not a
major cause of blowouts, is because nobody but you does them?

Not to beat a dead horse about this subject but an accident that
occurs due to a blowout of a "repaired" tire with sidewall damage may
void your insurance coverage for vehicle damage and injury to yourself
or others.

Eisboch


Sorry, that's not correct, unless you policy has a specific exclusion for
that act. Insurance covers stupidity (legally called "negligence").
That's what it's for. What it doesn't cover is trying to inflict injury
on purpose, or so doing something so stupid as injury is the inevitable
result, even if the injury wasn't intended (no officer, I wasn't trying
to hit those pedistrians as I drove down the sidewalk as a shortcut). The
way they cover the risk is to try to determine the dummies up front (poor
driving record, teenager etc.). They charge those people higher premiums,
and on average, even with a few payouts, they usually make out well. And
even if they misjudge you upfront, they get you in the end by raising
your premium if you cause an accident.


That may be your take, but if you take the time to check this out I think
you will find you are in error. I did check.

Contrary to your statement, insurance isn't designed to protect stupidity or
negligence (thankfully). It's designed to provide financial protection in
the event of an accident. Knowingly and willfully driving with a damaged
and repaired tire against virtually all tire manufacturer's or industry
repair facility policies isn't an accident. It's stupidity.

Eisboch