The Chinese paid me about $3000 for damage from Trailer King tires. I pointed them to my website article where I had just weighed my rig a few hours before the explosion. I was 920 lbs under the max weight rating on each of the ST tires and they had 5500 miles on them. I check the air pressure before every trip.
They never once argued that I was at fault. We just negotiated the total damage amount. I always planned to repair the damage myself as I knew my local Camping World as the authorized Keystone dealer would screw it up (that is a story for another time).
We went back and forth a couple of times and I finally said add X amount to your last number and that will allow me to replace all 4 tires. They agreed.
Their payout paid for my 4 Michelins, materials for the repair and two slide out awnings.
They absolutely have done the arithmetic and it is cheaper to pay out claims than make a better tire.
Bobby