This is why you need insurance!

[Nashy86]

Hi All,

Just thought I'd share a quick story.

My car (FG MKII XR6T) was parked out the front of a mates place on Sunday arvo/night and we drove in his car to the city (40km’s away) for dinner. Whilst at dinner, he received a call from his neighbour asking who owned the Silver Falcon in front of his house, because it had been hit.

Long story short, his house is on a residential street, but has a bend in the road in front of his house (it’s kind of like a speed-trap to slow cars down, alternative to speed bumps I guess). Driver of a Hilux lost it on the bend in the wet, nailed my car and ended up on the opposite median strip. Fortunately the driver & passenger were un-hurt and it was dinner time so everyone else on the street was inside their houses.
Photos speak for themselves as to the damage, I'm waiting to hear whether it’s a write off, but I believe it will be.

The driver of the other car was a 20 year old Kiwi who holds an NZ Learners Permit only (no Australian licence) and his “licenced passenger” was a 19 year old with an NZ Licence as well.
The car was owned by the drivers older brother, who told me straight up that he had no insurance (not even 3rd Party).

In all honesty, the guys were good about it, they didn’t try to hide anything, all gave me their ID’s and details, including a passport for the driver since he was having trouble finding his learners permit (but found it in the end), but geez am I glad I have full comprehensive insurance to do the hard work for me!

Moral of the story: Make sure you’re insured! I know my insurance company will be chasing this guy for every cent.

[99AUXR]

****!

[uniacidz]

Bugger






Sent via HTC Velocity + [HolicsROM v1.3] [SWEEP2WAKE]

[BadMax]

Ouch! I would suggest it's a total loss, depending how old it is and what it's worth.

[superroo]

Come on Rusty, that will buff out

Any official word from insurance yet?

[Geez Louise]

Yikes! Sorry to see that but glad you have full insurance.

Cheers
Col

[Nashy86]

Originally Posted by superroo

Come on Rusty, that will buff out

Any official word from insurance yet?

Only that they are sending the assessor around to the tow company depot who picked it up, because when they rang and asked the tow truck driver to take it to a smash repair shop for an estimate, he told them "i can do that if you like, but its a write off so you'll be paying me to take it there for nothing. Why don't you assess it here and save yourself the tow charge?"

[usernametaken]

yep, insurance should be the last thing you skimp on - even more so when money gets tight.

skimp on the take away, booze, coffees etc... before insurance.

[jaydee]

It should be like America, you have to have insurance etc to drive on the road.
I know it still doesn't stop people but at least it's something else they can get charged for.

Your insurance company will be waiting a long time for their money too I reckon when you have irresponsible people like this thumbing their nose at the system, I'll do what I want attitude is alive and well, I'm surprised the car wasn't unlicensed too.

The only decent thing they did was stay and give their details, could have done a runner.
Sorry about your car mate, but like you say, not your headache, get a pay out and have the fun of looking for another car, taking all those test drives before deciding on a new car.

[Franco Cozzo]

Good thing was when I totalled my first Focus we both had full comp insurance, WIN!

[Nova 8]

Originally Posted by jaydee

It should be like America, you have to have insurance etc to drive on the road.

You are required to have a very basic insurance to drive your car but that is bundled in to the cost of rego. I got told they are thinking of changing this though??

Personally the longer we can avoid getting more like the US the better, people die in the ER because they don't have insurance.

[richo77]

I wouldnt think that would be a write off?

[Cobramad]

That's rooted!
Cheaper to pay you out, sell the wreck and chase the Kiwi's for the money..

[XW WA]

Id say someone will be going back to un zud pretty soon

[Silver Ghia]

Originally Posted by richo77

I wouldnt think that would be a write off?

Badmax is a panel beater and I agree with him. Remember the whole side panel of the FG is one piece including B pillar and door opening frames, attached to the inner structure. I certainly wouldn't like to own that car if it was repaired.

[Itsme]

Originally Posted by Silver Ghia

Badmax is a panel beater and I agree with him. Remember the whole side panel of the FG is one piece including B pillar and door opening frames, attached to the inner structure. I certainly wouldn't like to own that car if it was repaired.

If the car was repaired correctly it would be ok, don't underestimate good repairers!

[Mickxr8]

Originally Posted by trublu

If the car was repaired correctly it would be ok, don't underestimate good repairers!

Seriously ? , Have seen cars written off for way less damage than that and being a newer car where every panel counts as to it`s structural intregrity would you put your loved ones in there and expect it to protect them ? .

Sorry to the OP but I hope its a write off non repairable..

[zilo]

that's a stat write off.

[timeout]

I doubt that's repairable considering the one piece sides and the damage is down to the intrusion bars. The

[xxx000]

That'll be a write off

Yes insurance is worth it when you have events like this happen

Your insurance co will come to an arrangement with the other driver, they don't chase $ like we think they would

[gossy]

Originally Posted by xxx000

Your insurance co will come to an arrangement with the other driver, they don't chase $ like we think they would

Yeah, but unfortunately, we cop it in the Premium.

[martyal44]

How come the owner had no insurance but let an L plater drive it in the wet?

[The FOMOCO]

Total loss WRITEOFF bad luck

[LTDHO]

Originally Posted by Nashy86

Moral of the story: Make sure you’re insured! I know my insurance company will be chasing this guy for every cent.

I am an avocate for this, all road users must have insurance. It’s cheaper (in most cases) than petrol!

Originally Posted by usernametaken

yep, insurance should be the last thing you skimp on - even more so when money gets tight.

Yet everyone rings aroung for the cheapest, go figure.

Originally Posted by jaydee

It should be like America, you have to have insurance etc to drive on the road.

We do, it’s called CTP

Originally Posted by jaydee

Your insurance company will be waiting a long time for their money too I reckon when you have irresponsible people like this thumbing their nose at the system, I'll do what I want attitude is alive and well, I'm surprised the car wasn't unlicensed too.

The insurer won’t get any money, I’m pretty sure the driver will probably already be on a plane back to NZ.

[mik]

He really nailed it, yes its surprising what can happen in a little suburban St, ..... i young bloke and his girlfriend came whizzing around in to my street some years ago and lost it, the end result was when they collided with the neighbors old fairlane parked across the road 10 metres away, it got speared into my front fence and was written off, the kids car an old ea ended up nicely perched on the the other neighbors front fence from the the one that had his fairlane written off.
The street is only 5 houses long ,how they managed to attain the speed to cause such carnage I'll never know, but insurance paid it all out fortunately.

Sorry to see your pride and joy wrecked like that, next time I would be asking the mate if he can make room in driveway for your limo.

[Blueford260]

This is why every state should make it law that when you register the car each year it should have full comprehensive insurance or the very leased 3rd party.

A couple of years ago I had some clown that was high as a kite on a mix of drugs plough straight through the front of my shop, caused about $10000 worth of damage. Car was registered but not insured, my insurance covered it but I'm still out $1000 for my excess.

I my opinion if you can't afford to insure you car then walk until you can.

[Grippy]

Yep, you'd expect that to be a write off. Anyone who isn't fully insured has rocks in their head, that bloke who hit your car is going to be in a world of financial pain for a while now I'm tipping.

[blueoval]

I dislike people with a loathing who do not have the basic 3rd part minimum insurance for their vehicles. It ticks me off no end to see scum get away with it and think it's ok and not get punished for it.

The fact of the matter is, 90% of the time the insurance company will pay out the policy owner, and won't bother with the culprit because it's not worth spending big $$$ going through the court system to chase down the money. Therefore the premiums for those who are more responsible will increase to cover these louts.

So in effect it still costing us to support scum like this.

Am I wrong? If so, please correct me.

[EBII Fairmont]

Originally Posted by blueoval

I dislike people with a loathing who do not have the basic 3rd part minimum insurance for their vehicles. It ticks me off no end to see scum get away with it and think it's ok and not get punished for it.

The fact of the matter is, 90% of the time the insurance company will pay out the policy owner, and won't bother with the culprit because it's not worth spending big $$$ going through the court system to chase down the money. Therefore the premiums for those who are more responsible will increase to cover these louts.

So in effect it still costing us to support scum like this.

Am I wrong? If so, please correct me.

About 7 years ago, I wrote off my eb Fairmont. The guy who cause the accident was uninsured. As I had 3rd party fire and theft I got a small amount of money and the car back. I had the details of the person who caused the accident and therefore they could chase him up. After all this, my insurance requested of me to go to court as a witness to have this fella prosecuted. I never went in the end as from what they told me, he admitted fault and agreed to their payment terms.

[blackf6]

Bog it up and flog it off to a p plater.