Darksiders - Elephant in the room Q - BMW Luxury Touring Community
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post #1 of 14 Old Sep 11th, 2017, 7:06 pm Thread Starter
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Darksiders - Elephant in the room Q

Been following Darkside thread with the question of this:

How does the MC insurance industry look at this? Are you liable to any degree if involved in an accident for any reason running a car tire on a motorcycle? Insurance companies often look for a reason to limit their liability and deflect damages. *Anyone aboard here an agent who can speak to this or had a claim while on the darkside ?

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post #2 of 14 Old Sep 11th, 2017, 8:19 pm
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Re: Darksiders - Elephant in the room Q

When my previous bike was totaled, the insurance adjuster (agent) knew it was a motorcycle but didn't know much else. He really missed and frankly didn't care about all of the details of my bike. I bet 9 out of 10 adjusters (or 49 out of 50) wouldn't even notice one type of motorcycle tire from another or a car tire on a bike, especially a BMW. The adjuster didn't show up to look at my bike until several days later...take that as you will. After the initial review of the bike, the adjuster left to put together an offer.

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post #3 of 14 Old Sep 12th, 2017, 12:56 am Thread Starter
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Re: Darksiders - Elephant in the room Q

Your first sentence rings true. Most adjusters would not know any different, I would think.

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post #4 of 14 Old Sep 13th, 2017, 11:45 am
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Re: Darksiders - Elephant in the room Q

Quote:
Originally Posted by usmctpdog View Post
Been following Darkside thread with the question of this:

*Anyone aboard here an agent who can speak to this or had a claim while on the darkside ?
Sorry, I cannot say first hand but my insurance agent is also a rider. He has a pretty Gold Wing and a nice looking car tire on the back.
I asked him once about not insuring a bike with a car tire and he said it didn't matter.
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post #5 of 14 Old Jan 26th, 2018, 11:00 am
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Re: Darksiders - Elephant in the room Q

2 more words...wrongful death. I would not want to be in the shoes of someone who had a fatal accident of a passenger & had a car tire on the back. One letter to the tire manufacturer by an ambulance chaser & you are toast.
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post #6 of 14 Old Jan 27th, 2018, 8:30 am
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Re: Darksiders - Elephant in the room Q

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2 more words...wrongful death. I would not want to be in the shoes of someone who had a fatal accident of a passenger & had a car tire on the back. One letter to the tire manufacturer by an ambulance chaser & you are toast.
I agree it's the accident investigator you have to worry about. I investigated an BMW (car) accident once. Nice car, x-drive, spun off the road. Three different make & model tires of various wears on four wheels. Two were a cheap chinese brand I couldn't even find any spec.s on. Guess what was a contributing factor in that accident?
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post #7 of 14 Old Jan 29th, 2018, 9:20 am
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Re: Darksiders - Elephant in the room Q

Sry but I do not understand why the most here wants to have a car tire on their BMW motorcycle.
Arenīt there not enough different motorcylce tires on the market?
So why would someone take this risk of accidents or problems with the insurance?
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post #8 of 14 Old Jan 30th, 2018, 8:00 am
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Re: Darksiders - Elephant in the room Q

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Sry but I do not understand why the most here wants to have a car tire on their BMW motorcycle.
Arenīt there not enough different motorcylce tires on the market?
So why would someone take this risk of accidents or problems with the insurance?
I'll bite. For most people you get much better mileage out of a car tire. If you look at the flat profile of a car tire its easy to understand why.
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post #9 of 14 Old Jan 30th, 2018, 5:08 pm
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Re: Darksiders - Elephant in the room Q

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I'll bite. For most people you get much better mileage out of a car tire. If you look at the flat profile of a car tire its easy to understand why.
As long as all you do is ride in a straight line.

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post #10 of 14 Old Jan 30th, 2018, 5:26 pm
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Re: Darksiders - Elephant in the room Q

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As long as all you do is ride in a straight line.
& that is its forte. I can't imagine myself taking a 70 mph sweeper on a back tire with the wrong profile,reportedly wrong rim bead for the tire, sidewalls with no real structure etc etc. If its going on the back of an LT sidecar rig...different ball game but still flimsey sidewall & sketchy bead compatibility.
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post #11 of 14 Old Jan 31st, 2018, 11:27 pm
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Re: Darksiders - Elephant in the room Q

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& that is its forte. I can't imagine myself taking a 70 mph sweeper on a back tire with the wrong profile,reportedly wrong rim bead for the tire, sidewalls with no real structure etc etc. If its going on the back of an LT sidecar rig...different ball game but still flimsey sidewall & sketchy bead compatibility.
I guess it all depends on how fast your going to go on the sweeper. I have seen videos of the tires on corners and they work ok in the videos - if taking the curves near the speed limit or suggested speed of the curve. If you are going to take the 70mph sweeper at 100mph, requiring more lean...probably want a motorcycle tire for that.

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post #12 of 14 Old Jan 31st, 2018, 11:48 pm
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Re: Darksiders - Elephant in the room Q

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2 more words...wrongful death. I would not want to be in the shoes of someone who had a fatal accident of a passenger & had a car tire on the back. One letter to the tire manufacturer by an ambulance chaser & you are toast.
Like many of us, Iím worth more dead than alive, and Iíd hate to think there could be a problem with my life insurance. Iíve also wondered about service: a ski shop wonít adjust bindings past a certain age due to liability. What if such a bike were viewed similarly; too risky to service?

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post #13 of 14 Old Feb 1st, 2018, 12:12 am
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Re: Darksiders - Elephant in the room Q

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Like many of us, Iím worth more dead than alive, and Iíd hate to think there could be a problem with my life insurance. Iíve also wondered about service: a ski shop wonít adjust bindings past a certain age due to liability. What if such a bike were viewed similarly; too risky to service?
I have heard of bike shops refusing to put car tires on cycles. The life insurance is an interesting point. Good on you for careing about your dependants.
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post #14 of 14 Old Feb 1st, 2018, 12:19 am
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Re: Darksiders - Elephant in the room Q

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I guess it all depends on how fast your going to go on the sweeper. I have seen videos of the tires on corners and they work ok in the videos - if taking the curves near the speed limit or suggested speed of the curve. If you are going to take the 70mph sweeper at 100mph, requiring more lean...probably want a motorcycle tire for that.
What about if you tear a tire open? Do you want a run flat carcass or a sidewall with all the structure of a kids bicycle balloon tire?
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