Tire Damage Due to Skidding

Q

We are asking about the issue of tires that are damaged as a result of an emergency stop. There was a subsequent rollover and damage done to the vehicle, but the tires were not damaged in the rollover. The tires were damaged as a result of the skidding and can't be used anymore. Now, the business auto policy excludes coverage for loss caused by road damage to tires and the insurer is claiming that the tire damage was caused by “road damage.” The insured is disputing that point. May we have your opinion on this?

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