So, with it it being Winter and all: Let's say you're in a car equipped with summer tyres. Conditions are snowy and you're waiting at the lights, when you're suddenly rear-ended by someone who failed to stop in time. How would the opposing insurance rule in this case? Would they say:
A: The fact that you're on summer tyres played no role in the accident, the other party is fully responsible.
B: You're on summer tyres and shouldn't have driven in the first place. And if you hadn't driven, you wouldn't have gotten involved in this accident. Liability will be split between the two parties.
C: [Something else]
Also, let's say the other car is in fact equipped with snow tyres. The driver just misjudged their stopping distance.
I know the answers might differ depending on where you're from. Just wanted to have a little thought experiment