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On my Jimny std pressures are 24 psi. I run 215/80-15 Colway MT tyres at 20psi on the road and as low as 16psi if its realy muddy. Managed to climb a mud slop that a friend with Anaconda's couldn't get up!
Your insurance isn't void if your tyres are under inflated - but if the insurance company or accident assesor could prove that 'running under inflated' tyres was a direct contributing factor of the accident then they may reduce any payout. If you are running over size none standard tyres - again the insurance company may try to avoid paying out in full - this is a grey area, but as long as the vehicle coplies with the Law and any mods that affect performance or value are declared all claims should be honoured. Tyre pressure is important and should be correct for the use but they are not set in stone. Be sensible. Low pressure off road would allow the tyre to become too hot at speed on the road so could cause tyre failure. Having said that if you run 'over size tyres you should be able to run lower pressure as its the volume of air in the tyre that controls the temp. I wouldn't run much below 20 psi on the road on mine for every days use but when I put in the recommended presure the car feels like its running on marbles.
Its a good idea to remember the fact -if you have an accident on road with under inflated tyres your insurance is void -not only that its downright dangerous to be driving on the road with less than 20lbs pressure , go with the manufactures reccomended presh , i have a inbuilt commpressor and (air down to 15 on deep mud ) then air up for the drive home, Better safe than!!!!!!!!
If you have a blow out and subsequently have an accident how do your insurance company know what pressure you were running ? Tyre pressure is manufacturer's recommendation, not law. Any copper tries to do you, take him to court!Anacondas' Ian - Colway MT's every time !