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Their finding is based on the fact that if you lost control of your vehicle and had an accident, that you were driving too fast. Plain and simple, whether you had a tire go flat or a unicorn jump out in front of you, if you struck something with your vehicle while not being struck by another vehicle, you are at fault. Regardless of whether a tire went flat or not, you were unable to maintain control of your vehicle at the speed you were traveling. Sounds kinda harsh I know, but that is how the insurance company is going to look at it.
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