Tire Failure as a Cause of Rollover Accidents: Who Pays?

Home > Articles > Rollover and defective vehicle claims > Tire Failure as a Cause of Rollover Accidents: Who Pays?

Tire Failure as a Cause of Rollover Accidents: Who Pays?

A tire blowout at highway speed is one of the most terrifying events a driver can experience. When a tire suddenly loses pressure or separates from its tread, the vehicle’s stability collapses. On a top-heavy SUV or pickup truck, that loss of control frequently leads to a rollover. These crashes cause catastrophic injuries, traumatic brain damage, and deaths. When it happens, the immediate question for families becomes simple: whose fault is this? The answer is often complicated, because tire failure sits at the intersection of two separate legal claims: the tire itself may be defective, or the vehicle may be designed so poorly that it cannot survive a tire failure that should be manageable.

From a physics standpoint, a blowout is deadly because of how it steals control. When a tire explodes or separates on one side, that corner of the vehicle drops sharply. The suspension compresses, the vehicle’s weight shifts, and the back end can swing violently. Countersteering at 70 miles per hour with a shredded rear tire is nearly impossible for even skilled drivers. The National Highway Traffic Safety Administration has estimated that tire failures contribute to thousands of rollover crashes each year. For tall, narrow vehicles like certain SUVs and trucks, the center of gravity is already too high. Add a sudden lateral jerk, and the vehicle’s side lifts off the pavement. That is a rollover.

Now look at liability. A victim or their family can pursue a claim based on the tire’s defect. This is a product liability case. The law holds manufacturers responsible for selling products that are unreasonably dangerous when used normally. A tire that blows out at normal highway speeds with proper inflation is not behaving as a reasonable consumer expects. To win such a claim, the plaintiff must show that the tire had a defect that existed when it left the factory. That defect can be in the design, such as a tread pattern prone to separation, or in the manufacturing process, such as a weak steel belt or an air pocket in the rubber. The plaintiff must also show that the defect directly caused the crash and that the victim was injured as a result. Tire manufacturers will fight back by arguing the defect was not present, or that the driver ran over a pothole or hit a curb, or that the tire was underinflated or overinflated. They will bring in experts in rubber chemistry and tire dynamics. This is why preserving the failed tire is critical. If the tire is thrown away or lost, the case collapses.

The other side of the claim targets the vehicle manufacturer. This is where the broader duty of crashworthiness comes in. Even if the tire blowout was triggered by an external factor, or even if the driver made a mistake, the vehicle must be designed to protect occupants during a foreseeable crash. A car that rolls over because its roof is too weak, its seatbelts fail, or its windows shatter without proper safety glass can lead to a separate liability claim. More importantly, vehicle manufacturers have a responsibility to build stability control systems that can detect a tire failure and apply brakes to individual wheels to keep the vehicle upright. Electronic stability control, or ESC, has been mandatory in passenger vehicles for many years. If a vehicle lacks ESC, or if the system is defective and fails to engage during a blowout, that is a design defect. Similarly, tire pressure monitoring systems that give no warning or give a false warning can be part of the problem.

What does a plaintiff actually need to prove? In both tire and vehicle claims, the legal standard is not whether the product could have been better. It is whether the product was defective in a way that made it unreasonably dangerous. A tire that wears out after 40,000 miles is not defective if the owner ignored the tread depth. A vehicle that rolls over at 100 miles per hour during an abrupt lane change is not necessarily defective. But a tire that separates from its casing at normal highway speed with proper air pressure is defective. A vehicle that rolls over in a routine tire failure when a comparable vehicle with proper ESC would not is defective. The courts use the concept of reasonable consumer expectations to decide these cases. Juries do not want to reward recklessness, but they are sympathetic to a family whose loved one did nothing wrong.

There are also common defenses that people should understand before filing a claim. The manufacturer will almost always blame improper maintenance. They will demand evidence that the tire was rotated, replaced when necessary, and inflated to the recommended pressure. If the owner had a history of driving on a partially worn tire, that weakens the claim. Mixing tire brands or installing an aftermarket tire that does not match the vehicle’s specifications can also shift blame. Defective parts are not the same as worn-out parts. The key is whether the failure happened because of a flaw in the product, not because of normal wear or neglect.

For anyone involved in a rollover after a blowout, the practical step is to get immediate legal help. The tire must be preserved under controlled conditions. The vehicle’s black box data, including speed, steering angle, and ESC activity, needs to be downloaded quickly. This evidence disappears within weeks. Without it, proving liability becomes almost impossible. The harsh reality is that these claims are expensive and highly technical, thousands of potential plaintiffs have been denied justice because they did not act fast enough. But when the evidence is there, the law offers a clear path. A defective tire or a defective stability system should not cost someone their life or their ability to walk. Hold the right party responsible.

FAQ

Frequently Asked Questions

It affects both. While your insurer handles the financial defense and payouts, a claim can still impact you personally. Your insurance premiums will likely increase for several years. If the claim exceeds your policy limits, you are personally liable for the difference, which could lead to wage garnishment or liens on your assets. A formal lawsuit becomes public record. In some professional contexts, a liability claim could affect your reputation or required licensing, even if you are not found at fault.

Any individual, business, or entity that has suffered harm or loss they believe was caused by another’s fault can file a claim. Common examples include a driver injured in a car accident, a customer who slips in a store, or a homeowner with property damage from a neighbor’s negligence. The claimant must demonstrate a direct link between the other party’s actions (or inaction) and the damages incurred. In some cases, a family member or estate may file on behalf of someone severely injured or deceased.

Standard personal auto policies typically exclude coverage when you are logged into a ride-share app and are available for or transporting a passenger for pay. During this “period of livery,“ you rely on the ride-share company’s commercial policy, which often has significant coverage gaps. Many insurers now offer a specific “ride-share endorsement” or hybrid policy to cover these gaps. Never assume your personal policy covers commercial activities; notify your agent if you drive for a ride-share service to ensure you have proper protection.

This defines what event triggers coverage. An ’occurrence’ policy covers incidents that happen during the policy period, regardless of when the claim is filed. A ’claims-made’ policy only covers claims filed while the policy is active. Claims-made policies are riskier because an incident from your current work could be claimed years later, after the policy lapses, leaving you uncovered. Tail coverage (an extension) is often needed when switching from a claims-made policy.