Screwed tyres?

[PT1989]

I will start by saying do not read on unless you are killing time/have nothing better to do, this post is tedious ramblings at best.


So even though the weather's been perfect for a while, I haven't had the time to take the pan euro out for ages, managed to squeeze in an hour earlier and thought I'd take it for a quick ride, if only to change the stale blood in it's veins. (may be selling it due to lack of use soon)

All went fine until about 45 mins in, on my way back home, came round a blind bend in the road, and there was a transit van on its side in the middle of the road, I'm assuming a delivery for a DIY shop, as there was approximately 20 billion screws & nails scattered across the road. I knew the corner quite well, so had plenty of time to stop. Not an issue.

Checked the bloke was alright, he was waiting for RAC, I parked the bike on the blind side of the road and stuck the hazards on, because I've seen people fly round that corner, waited there about 10 mins and then plod turned up.

Boring story, but got me thinking later on, what if I had hit the screws and they'd knackered my tyres? Would his insurance have covered that? Or would it be deemed your own fault for belting it round a blind corner, and therefore not driving appropriately for the road?
Also, how does an insurance claim work with tyres? Do you just get whatever is cheapest in your size? What about existing tyre wear? I've got a pair of quite worn Bridgestone something or other on there, would they replace with the same? Or would they argue that they were already worn and replace with Hong Kong's finest? Or would they just pay a proportion of the value of the originals?

Was talking to a bloke down the pub earlier on, he reckons if it'd been him, he'd have gone home and hammered a load of them into his tyres "for a free replacement" but I'm not convinced that'd work.

P. S. I'm not asking because I intend on doing this, he caused me absolutely no problem, I see no need to defraud him! It just got me thinking, how do insurance claims work for consumables?

[covent.gardens]

I was speaking to a mobile tyre fitter about blind drivers etc. He put a cone out for his safety before a breakdown, with a heavy bottle jack underneath to stop it moving I think. Some bloke drove in to it and screwed his bumper up on it - wrecked the jack too. Car driver tried claiming from fitter's public liability, lost, fitter claimed new jack from car insurer, won.

To a large extent the principle of look where you're going/stop in the distance you can see to be clear, applies. If you've come upon an accident scene then you ought to be driving VERY SLOW through it, as in, less than walking pace, and in my opinion, you should be able to see debris under that circumstance and stop if the road isn't clear.

[PT1989]

Yeah, that backs up what I was saying/thinking.

It's a blind corner, so if you go round it, do so at a speed which means you can stop if something is round the corner.
The road has a 50mph limit, and from what I've seen, most people seem to think this means 50 round a blind corner is safe "Coz thats wot the signs say innit?"
Can't just blame cagers either, there's a local biker who's often going that way around the same time as me, and on several occasions I've seen him cut the corner, riding on or over the line, including once with a bin lorry coming the other way, and he can't have been more than 3 inches from joining the teddy bear riding on the bonnet!

[Efes123]

Happy to be corrected, but I would have thought that tyres were considered consumables, and therefore not covered under insurance
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