who drives WITHOUT insurance? poll

[ltd]

Originally Posted by GFDINTEDIT

Whats the difference between somebody with insurance. My cousin got hit up the *** and his car is a write off.. The other driver still hasnt paid the excess and thats 7 months on. Hes had to buy a new car out of his own pocket, and his other car has been put to waste as both his and the other drivers insurance have done sweet ИИИИ all...

Mate, you're an absolute renegade deadsh1t. I think you should call your mum and tell her she wants you because quite frankly, ignorant asses like yourself are the soundest reason for contraception.

Let me tell you a little story about a company that ran limousines.
Just over a year ago, I was driving for a mate in a 6 month old S500 mercedes. Whilst sitting at the lights in pyrmont, some amoebic intellectual equal came racing around the corner in a hotted up EF and straight up the back of the S500. He hit it with such force that 6 airbags went off. Luckily, there was no passenger in the rear of the car but the car was totalled, and so was his. He crawled out through the back door and confronted me that it was my fault because I had stopped at the lights. I laughed and said "you don't have insurance do you?" when he started to cry. I asked him "why wouldn't you have any insurance on your car - it's the dumbest thing you could do" to which he replied "I spent the money on mods", and he cried for a few minutes more after asking how much I thought the benz was gonna cost to fix. At this stage the police turned up and in his infinite wisdom, this moron ran off.

5 minutes later they brought him back, and then I told him what the tow truck driver from Merc Benz told me; "they said it's a write off - that'll probably be about $260,000 dollars replacement and on top of that demorage of $4000 per day, roughly the take on this vehicle. Have a nice day."
They took him to the station for fleeing the scene of the accident (even though the loser left his car there).

Anyway, the car was replaced within two weeks, Austbrokers paid for the lot including income loss and sent this little halfwit the bill. Like all genuine scumbags he declared himself bankrupt, but fortunately lost his licence due to the neg driving charge, and failing to display his p plates. Also, he is now hated by insurance companies, will not be able to get a loan within the next 5 years (probably longer because finance companies can still access your records) on anything and has been before a magistrate warning him that if he gets behind the wheel whilst disqualified he will be arrested and coud serve a sentence.

So don't give me your "it'll never happen" sh1t. I've got the new Benz now and if you hit me, you'll have everything to lose for the sake of allegedly saving $2500 pa.
I'll leave you with another thought about being ignorant.
"If ignorance is bliss - you must be orgasmic"

[ltd]

Oh and by the way, you may think that declaring yourself bankrupt is an easy way to get out of paying for damage you caused, but bankruptcy follows you everywhere. You'll never get a houseloan, or a business loan, and essentially any small loan that you don't have a guarantor on. I'm assuming your a young fella so I wonder why you would want to limit all of your upcoming life choices because of some stupid childish ideal. What about mutual responsibility? Or are you some pathetic loser on the dole with a welfare mentality, impregnating several women at any given time to propogate centrelink revenue?

[Deadman]

Originally Posted by jabba

And that is 1 of the things that is wrong in Australia.... Insurance (Third party property) should be compulsory.

Agreed! :

If you're to cheap to get insurance, you shouldn't be on the road.

What I can't understand is the argument "I'll pay for it if I have an accident" ... ?? In one accident you could blow more money than in a century of paying for insurance! Then again, as we've seen in above posts - it's not our problem if we have insurance. Our insurance companies will simply screw the hell out of any moron who causes an accident and doesn't have insurance.

[jabba]

LTD, I love your work. Absolutly brillant

[superpursuit83]

Funny how things happen after you have just been studying them.

Just got of the phone to one of my boys, asks me if he can borrow a company ute for a few days. No problem but why ? He just ran into a ford Cougar he thinks. His car is not too bad and will be a 3 day fix. The Cougar is a mess he said. He is ok but mentioned it is going to cost him.
Why ??

Because this mature age, wise man did not have insurance. He must now find the money to fix the other car, his own car, and pray some lawyer doesn,t latch onto the other driver..

Would you risk it ??

[LTDHO]

Originally Posted by superpursuit83

Because this mature age, wise man did not have insurance. He must now find the money to fix the other car, his own car, and pray some lawyer doesn,t latch onto the other driver..

Would you risk it ??

Interesting fact is that alot of panel beaters have business relationships with solicitors. So be prepared to be screwed bad!

[EFIwindsor]

no never....it'd be just my luck i'd hit a new 7 series or m5 or something there goes $200,000+

[Yaw]

Originally Posted by ltd

Oh and by the way, you may think that declaring yourself bankrupt is an easy way to get out of paying for damage you caused, but bankruptcy follows you everywhere. You'll never get a houseloan, or a business loan, and essentially any small loan that you don't have a guarantor on. I'm assuming your a young fella so I wonder why you would want to limit all of your upcoming life choices because of some stupid childish ideal. What about mutual responsibility? Or are you some pathetic loser on the dole with a welfare mentality, impregnating several women at any given time to propogate centrelink revenue?

(this is general info not aimed at you as you obviously don't have insurance)

Just another pointer on credit records, Baycorp are the most used credit reporting agency in australia, just as they hold your credit file they also hold your insurance file (claims incedents etc. Refusals or denials)
You will find it tough getting a claim paid if you misrepresent yourself.
The insurance companies will still offer you insurance on what you state to them when asked. But if it becomes apparent in a claim something smells fishy they will check and possibly deny your claim due to misrepresentation on your part.
Check it out for yourself baycorp.com.au

[I bleed ford]

i think insurance isn't only about yourself. If you hit some poor people who can't afford to fix their car and you got no money or insurance, they get screwed. My xf ute has only got third party because the car isn't worth it. That being said, i have the means to pay for any damage done by myself. Insurance is a good option for those who lack the means to drop cash up front (don't get me wrong, i ain't rich). My wifes car a Kia ( or piece of ИИИИ as i like to call it) is covered with comprehensive. I think people just have to make a intelligent decision and take all factors into consideration.


dammit i sound like my parents!!!!

[b0son]

Originally Posted by I bleed ford

i think insurance isn't only about yourself. If you hit some poor people who can't afford to fix their car and you got no money or insurance, they get screwed.

Whn you are hit by someone and you have no insurance, their insurance company does everything it can not to pay. You seem to need your own insurance to get money out of theirs.

[LTDHO]

Originally Posted by b0son

Whn you are hit by someone and you have no insurance, their insurance company does everything it can not to pay. You seem to need your own insurance to get money out of theirs.

What are you talking about, that would have to be the biggest load of cr@p I have heard. If you are hit by someone who is insured, their insurance will fix your car. Pure and simple!! However they will only do this after their client (person who hit you) has paid their excess.

[b0son]

Originally Posted by LTDHO

What are you talking about, that would have to be the biggest load of cr@p I have heard. If you are hit by someone who is insured, their insurance will fix your car. Pure and simple!!

If only - they will often unnecessarily draw the process out, giving you the runaround, in the hope you'll just go away. So have been the experiences of people I know who have tried to file a claim thru someone else's insurance company.

[Yaw]

Originally Posted by b0son

If only - they will often unnecessarily draw the process out, giving you the runaround, in the hope you'll just go away. So have been the experiences of people I know who have tried to file a claim thru someone else's insurance company.

Most of the time when an insurance company knows thier client is at fault the insurance company will do everything possible to get the third parties car repaired by themselves to save them money on the repairs by using thier own repair network. (its actually called mission third party) I see this happen on a dialy basis.

[LTDHO]

Originally Posted by Yaw

Most of the time when an insurance company knows thier client is at fault the insurance company will do everything possible to get the third parties car repaired by themselves to save them money on the repairs by using thier own repair network. (its actually called mission third party) I see this happen on a dialy basis.

Yaw is right, by waiting the cost of the claim gets higher then the insurance company has to pay more. So they often pay as quick as possible and have other vehicle fixed. Sometimes the other vehicle will be fixed before their own clients!!
b0son, you have been mislead, most people complain even when their car is fixed within days!

[xurbanx]

Both the foci and fiesta have full insurance; like many people said here, you dont know when your going to crash or get hit by someone.

Insurance is amazing; mums foci is getting repaired in 10 days and my fiesta is getting repaired in 8 days (the panelbeater worked the saturday).

[jabba]

Originally Posted by b0son

When you are hit by someone and you have no insurance, their insurance company does everything it can not to pay. You seem to need your own insurance to get money out of theirs.

B0son. That is biggest load of crap I have heard, and I don't believe that all insurance companies are out to screw the customers..... I have had my share of claims and I have never had been screwed even when I was at fault. However my wife was screwed which also directly affected me, also we lost a $50'000 car in the process. The company that screwed her over is called Virginia surety(stay clear clear of them). What I am getting at is, even tho my wife and I have had a bad experiance with one insurance company, It dose not mean we a better of with out insurance, Infact with having insurance we are still ahead in terms of cost's. IMO everyone should be insured and if that was the case you would also fined that insurance would be cheaper also.....

[b0son]

Originally Posted by jabba

B0son. That is biggest load of crap I have heard

I too thought it was a load of crap when I heard the lengths some people had to go to to get their money from the other party's insurance (ie. court).

IMO everyone should be insured and if that was the case you would also fined that insurance would be cheaper also.....

Absolutely, it should be compulsory - its simply one of the responsibilities of owning a car, being able to pay for damage it may cause.

[needfordspeed]

Getting third party with fire and theft tomorrow, havn't driven it much at all, actually my mates have driven it more than I have(if they stack they pay for it ), i'm just too scared to drive without insurance :S

[Redrum]

If one were to live in the Western suburbs of Melbourne and have a non anglo saxon name I have heard almost every claim of theft gets investigated by one of the larger insurers down here. I don't blame them though.

[ltd]

Well, unfortunately their has been an over represented group with non anglo names that were/are involved with car rebirthing, theft, fraud and basically any other nasty thing that insurance companies say "ouch" at. It's not discrimination, it's statistical analysis of historical data that points squarely at the aforementioned group.

To make a long story short, If these fellas feel slided by this action then they should have thought about it before all of the insurance jobs they did.

[LTDHO]

Originally Posted by ltd

Well, unfortunately their has been an over represented group with non anglo names that were/are involved with car rebirthing, theft, fraud and basically any other nasty thing that insurance companies say "ouch" at. It's not discrimination, it's statistical analysis of historical data that points squarely at the aforementioned group.

To make a long story short, If these fellas feel slided by this action then they should have thought about it before all of the insurance jobs they did.

So true!

[crustyman]

Always full comp here! My housemate has no insurance on both of his cars so in turn I refuse to drive them and will not let my significant other drive them either. He asked me why, I then asked a simple question "If I hit an $80,000 Merc are you going to pay for the damage if I am at fault?" Of course he said no, so why the hell would I put myself in a potential situation, IMO drivers should be insured, not the bloody car they drive, I know plenty of people that drive his cars but dont seem to care that if they did something wrong everything comes down on them!

I too know of someone who thought that paying a couple of grand to insure his Motorcycle was a ripoff so drove without insurance, he skidded in the wet one day and went through a telstra box on the side of an estate, bill was $200,000 to replace it, he is currently still bankrupt and cannot get a loan etc, he's the first to tell someone to get insurance, even if it's just third party.

[brenx]

You guys would be safer to assume the other driver is uninsured and keep a safe distance. I work for the gov't. You know the cars with the red and white number plates in Vic? Don't assume they are all insurered or registered for that fact.

[Doogstar]

Of course, I have full comp, mamma never raised no fool.

I even have insurance on my insurance. If I (or someone else) happens to write off my car and the insurance payout (Market Value) is less than the amount which is left on the loan, my loan is paid out for me. That way I don't have to keep paying a loan for a car I no longer own. It cost me about $600 (which was included in the loan) for the life of the loan.

[thefatdx]

well i drive around in my mums car, but she wont put me on the insurance as a driver (18yr old P plater). $2000 excess if i have to make a claim.

[buickman]

Originally Posted by thefatdx

well i drive around in my mums car, but she wont put me on the insurance as a driver (18yr old P plater). $2000 excess if i have to make a claim.

I have both my older children on mine & my wifes insurance policy its $1.500 for us if they have a smash. Whats $1500 or $2,000 . If you take out a few cars.power pole, house fences & part of house. then $2000 is nothing compared to $20,000- $100,000+ in costs.

[Penelope Pitstop]

Interesting point is that some Insurance companies will actually double the excess for young drivers if they are behind the wheel of a vehicle that they are not a named driver on. Sometimes it is a lot cheaper to bite the bullet and pay the extra and have all the facts disclosed rather then find out the bad news when everything turns pear shaped...

I dont use any sort of insurance at all they just rip ya at the end of the day. I never have and never will

[Paris Hilton]

I only have 3rd Party property because well...full comp on an EA is kind of a waste of money...

[Abacus]

Originally Posted by crustyman

IMO drivers should be insured, not the bloody car they drive, I know plenty of people that drive his cars but dont seem to care that if they did something wrong everything comes down on them!

This is so true, at least so far as it relates to 3rd party property insurance. However, comprehensive should not be mandatory.

I only have 3rd party property damage, for the following reasons:

- After taking into account excess charges and loss of NCB, you need to be in a fairly major stack before its worth putting a claim in your comprehensive policy. I pay $396pa for 3rd party property, NRMA quoted me $1,870 for comprehensive. 2000 AUII V8 Ghia is worth around $14k-ish. Unless I'm going to write the car off or have it stolen every 10 years, I don't see any point in paying the difference. The situation was even more absurd with my EL - market value was about $7k and comprensive insurance would have been about $1,200.

Anyways, I'm insured against the damage I might do to other people. If I wreck my own car, I'll take it on the chin - its nobody elses problem except mine. Sure, if the car gets nicked or I get hit by another uninsured driver with no money, its a bummer, but again its my risk.