R.I.P.-XR is now an expensive wreck!

[bentles]

no skid marks as it was wet

[XR6_661]

I don't see how you could do that much damage from a 15-25kph impact?

I'm not having a stab or calling you a hoon, just seems like you hit the tree a bit faster then what you stated...

As for people calling you a hoon, people are far to quick to jump to conclusions without actually hearing what actually happened. Surely someone would have seen it anyway?

[TUFED6]

The cops often fine people for reckless driving when they crash. It's pretty normal. I guess they just like kicking people while they are down.

I doubt your insurance company will care though, as the others have said, make a claim and go from there.

[XR6TickfordBoy]

Originally Posted by EL_661

I don't see how you could do that much damage from a 15-25kph impact?

Neither do i, the tree was a ****y little thing too. When the car span it span that quick i think it hurled me into the gutter with a fair amount of force that caused the car to hit the tree harder than the speed really reflects. When it happened it felt like when you spin someone around to build up speed then fling them further than you normally would! If that makes sense to anyone.

Gonna wait and see what happens with the cops if Im not charged than I will go ahead with a claim. Does anyone have any idea how long it takes them to decide on charges and send a summons out? Just so I know how long to wait before presuming im not being charged.

[bentles]

make a claim anyway man cant hurt. if you arent charged yet they might actually pay out before you do get charged!

[QIK006]

Start the insurance claim anyway, If it is that serious that the police are involved (beyond that the neighbours have called them) the insurance company still need to know.

Putting off calling the insurance company will only make them investigate the accident, why did you call 2 days after the incident????? sounds bodgey.

Insurance companies are usually reasonably helpful, there are always examples where there not.

It seems that you asked for opinions when you had already made up your mind. Do yourself a favour and ket the insurance company know what has happened. worst case scenario is what you think might happen will, best case scenario is that you car is repaired ant no cost to you. It can only get better for you

[blur1]

1st point, admit NO guilt! it's not for you to decide anyway. like others have said GO AHEAD WITH THE CLAIM now!..state what it was, an ACCIDENT. they do actually happen as we all well know.

[kyro_02]

Did you realize you were going to damage your car as soon as it broke traction ? I'd hate to feel like that knowing you are out of control and there's nothing you can do to save it!

For me, winton race track brings some memories, but no damage thankfully. Never been in those situations again so far =)

also, with your insurance... could you make a claim but tell them you have _not_ been charged, but what if the charges come in the mail after or during your claim has gone through?(if that's possible)

[chich]

Like others have already stated, make the insurance claim and take it from there. At the end of the day thats why we pay insurance - to cover ourselves in the case of an accident, theft or fire. Despite what the police have said, I find it amusing that they think they can charge you for simply having an accident. They might fine, but they certainly don't charge the as$hole that runs a red and T-bones a car with reckless driving, so on what basis are they going to charge you for loosing control of the car and simply having an accident? A clean driving record and a car in a decent state of repair (good tyres, good shocks, good brakes etc) will add strength to your "i'm a responsible person" argument.

As for the neighbours, wait for this whole thing to be cleared up, pay them a visit and inform them to shut their mouths and mind their own business in the future..

[b2tf]

Interesting thread but I can't see why you havent put in a claim yet, you should do it asap.

As has been mentioned, the neighbours and their comments dont really come into the equation - if the police think there is enough reason to charge you they will, regardless of what anybody else says/doesnt say.

Go eahd and put the claim in, it will not get rejected even if you do get charged, again the only time that would happen is if there is something done to the car that you havent notified them about, or if you were DUI (and if that was the case you would have been charged on the spot).

[juzz]

[QUOTE=EL_661]I don't see how you could do that much damage from a 15-25kph impact?[QUOTE]

I hit a tree in my first car, on a dirt road, and becuase it was rough i wasnt going that fast (id only had my licence for about a month and the car for 2 weeks or so). I just lost it and was inexperienced. No one was hurt, but the damage was enuf to bend the chassis and rite the car off. I reakon i was doing mayb 30 (40 tops)

cheers

[Kaddis]

oh benno that sucks! your car is mint! hope all works out for ya mate

[GT0132]

Originally Posted by XR6TickfordBoy

I think realisticly I dont have a hope with insurance as when i spoke to them they said if im charged then I cant claim because i was "breaking the law" so Im focussing on the most likely scenario and possible solutions!

That sucks, just because you lost control in the wet you have no insurance claim??? That could happen to anyone....Even in a nose to tail collision I had a couple of years ago ....yes i was at fault but insurance had no problem paying up.

[DOC]

Quote:
Originally Posted by XR6TickfordBoy
I think realisticly I dont have a hope with insurance as when i spoke to them they said if im charged then I cant claim because i was "breaking the law" so Im focussing on the most likely scenario and possible solutions!

That sucks, just because you lost control in the wet you have no insurance claim??? That could happen to anyone....Even in a nose to tail collision I had a couple of years ago ....yes i was at fault but insurance had no problem paying up.

And the first quote say's he does not think he has a chance due to a high likley hood of being cherged, but then states he was not hooning?

Now a simple question and not answered by the owner, were you you or were you not hooning ? to me the post smells a little because if i was not hooning i would not be sitting down and taking what others put forward and simply i would want my insurance and you would not roll me over on it. more to this story i think than meets the eye.

[XR6TickfordBoy]

put a claim in but I have to wait for the outcome with the police, as it looks as though they are looking for any excuse to get out of it. At the end of the day peoples "hoon" mentality directed towards modified car enthusiasts may be my downfall, as if they had'nt called the police this wouldn't be so complicated. I'll just bide my time and see how it pans out with the police/insurance.
Hopefully all works out, if not as we all know "****** happens"!

[XR6TickfordBoy]

Originally Posted by DOC

And the first quote say's he does not think he has a chance due to a high likley hood of being cherged, but then states he was not hooning?

Now a simple question and not answered by the owner, were you you or were you not hooning ? to me the post smells a little because if i was not hooning i would not be sitting down and taking what others put forward and simply i would want my insurance and you would not roll me over on it. more to this story i think than meets the eye.

I was not hooning the only reason I am possibly being charged is because the neighbours told the police that I hoon around all the time, and at the station the seargent had a go at me cos there have been alot of complaints about hoons in my estate and I believe I am copping the majority of the blame for these "hoons". I have never seen or heard from these people before so what their motivation is I don't know.
At the end of the day the one thing that offends me is being labelled or accused of being a "hoon".
As mentioned I have put a claim in and the insurance company is putting a microscope on it due to the involvement of the police.
If this thread is going to turn into a fortune telling exercise where people tell me what i may have done or question my integrity than I would like it to be closed.
I had a simple request at the start of this thread for advice on options with the car in the possible scenario I dont get an insurance payout, not legalities or insurance cos I doubt many or any of you are lawyers or insurance assessors.

[DOC]

Well all is good and i do not know why you thought you had a low chance of getting insurance, as your claim should be a no brainer for them and all will be sorted.

[-jjM-]

pm sent.

[Sorted]

Usually when Police turn up to an accident they charge some one and as your the only one involved they may charge you with some random offence.

Usually the only time they wouldn't is when they can't be bothered filling out the paperwork or they give you the benefit of the doubt.

AGAIN no big deal and the insurance company will not deny the claim because your charged with some random offence, they will just wait for the police report before they settle your claim.

I wouldn't stress over it................

[DOC]

Originally Posted by XR6TickfordBoy

I had a simple request at the start of this thread for advice on options with the car in the possible scenario I dont get an insurance payout, not legalities or insurance cos I doubt many or any of you are lawyers or insurance assessors.

Champ please do not take my prior post as personal, but you did write for experience / options and yes i am not an insurance assesor.

But what i do have beside me is a pile of paperwork about 1 inch thick from a recent insurance claim in very similar circumstances.

The first thing was to know you are in the right ( as you are ) and similar to your case there were others involved claiming another side to the story, regardless of that and the claim being refused i knew i was in the right ( hence the question ) and knowing i was in the right i chose to fight it, this went back and forwards for weeks and came back after review with declined again. but once again i continued with the claim and with all parties involved and stat decs on the table ( from the third parties ) it came back denied again, so i opted to then take the case to the obidsman, funny thing happened then, i got a call from the insurance company along these lines " hello have you sent the claim to the obodsman ? if not we think we have a way to sort this " really ? and i won the case, so yes real live and recent experience and in short back your self in and stand your ground. all the best for your outcome ( PS like your case it saved me a lot of $ and if you give an insurance company an out bet my $ they will take it, stand strong )

[XR6TickfordBoy]

No worries Doc, I just dont want to have to take it to the lengths u did as ive been burnt before. The police were just trying to make it look as though i was guilty by asking questions aimed at admitting guilt and I did my best to avoid making any reply that could be used against me at a later date.
I can see ive got the scapegoat crosshairs on me and am just worried about how this will all go down. Time will tell and ill just wait and see how it turns out.

[crannersEL]

Sorry to hear about this Ben mate!

[4LSIX8U]

i'll give you $1700 for the wreck.? Shame you lost it, manual XR6 + **** tyres, would think you know all about understeer and when its gunna happen by now.

[falcon351]

Sorry for ya mate. not the only E Series member car written off this week...
similar thing happened to me, however i escaped with only a caution for driving without due care and a wirtten off EB...
i am also not looking forward to a bill from etsa for the stoby pole...

[chich]

Originally Posted by XR6TickfordBoy

I was not hooning the only reason I am possibly being charged is because the neighbours told the police that I hoon around all the time, and at the station the seargent had a go at me cos there have been alot of complaints about hoons in my estate and I believe I am copping the majority of the blame for these "hoons".

Mate, this is were your driving record comes into it. If its relatively clean (lets face it we all cop the odd fine here and there) then you've got nothing to worry about. The neighbours accusations are exactly that - accusations - and the police know that there are more than a few idividuals out there who enjoy pocking their noses into other peoples business and causing mischief. If your record is clean then the neighbours actions & accusations can be dismissed as BS, and the police won't pursue the matter.

At the end of the day you were driving in the wet, with crappy tyres and lost control - simple as that. There's no reason why your insurance won't cover the cost of repairing the car or paying you out.

[Smoke Pursuit]

Originally Posted by chich

Mate, this is were your driving record comes into it. If its relatively clean (lets face it we all cop the odd fine here and there) then you've got nothing to worry about. The neighbours accusations are exactly that - accusations - and the police know that there are more than a few idividuals out there who enjoy pocking their noses into other peoples business and causing mischief. If your record is clean then the neighbours actions & accusations can be dismissed as BS, and the police won't pursue the matter.

At the end of the day you were driving in the wet, with crappy tyres and lost control - simple as that. There's no reason why your insurance won't cover the cost of repairing the car or paying you out.

Hmm, if someone was hooning around my suburban street id be sure to complain to, there are kids that play in these streets... People dont make accusations for the fun of it, and dints like that arent caused by driving around slowly either..

[chich]

Originally Posted by LSTerritoryGhia

Hmm, if someone was hooning around my suburban street id be sure to complain to, there are kids that play in these streets...

As he mentioned above, he wasn't hooning so on what grounds can someone complain? He lost control - simple as that. I had an incident last year where I unknowingly drove over a patch of oil on a wet road. As you'd expect, the car came around the next corner very, very sideways. On face value most people would've classified this as 'hooning' because the car was out of shape, but the reality is i was avoiding an accident.

Originally Posted by LSTerritoryGhia

As for insurance if the car wasnt roadworthy then i doubt they will pay up..

That goes without saying. Unlisted mods are another trap..

[gngtho]

sorry to hear mate.

yeh prob the best thing is to get a cheap e-series and transfer your stuff over.

as for court well you can argue

what were the road conditions like? and what condition was the road in.
was it a new road, well they get realy slippery when fresh.
or was it an old run down dangerous road.

there are many ways you can dispute it but remember if you do this and still found guilty you will wear all the court fees, and get a susspended licence.

as for the people giving you sh^t don't worry there just lonely and need excitement.

[bArNsY]

sorry to hear about it mate,
I know what its like for your car to slip out in the wet, I managed to hit a concrete power pole at 30km/h and I had people that lived near the accident saying i always hoon around the area everyday : (i was lucky to go down that street once a month at the time).
I made sure the neighbours shut there mouth when the police came to investigate my car caved in.
I was more surprised that the police officer did not bretho me, even tho i had not been drinking; and the corner that it happened at is very greasy in the wet and the police officer said there was nothing else he needed to do and headed off.

Just speak to your insurance company and the police officer who interviewed you and see where you stand

[Eb Barbie]

This sucks! I have neighbours that would acuse anyone with a hotted up car or P plates to be a hoon. One of em IS a hoon themselves! Dunno how many times shes nearly hit the kids in the street or us driving! Hope your ok and all goes well for ya Chin up!