yay some prick hit my car

[jeremiahnz]

dont say that i want some money lol

Haha, sorry,my bad, I'm sure something will get sorted out for you.

[postfach]

all tho i dont have insurance yet, i would agree with this, if it was compulsary, it would be cheaper.

I'm not so sure, I have a friend in Canada and im pretty sure he pays something like $3000 a year for insurance (which is compulsary there) and hes got a pretty average car..

[wde_bdy]

Compulsory insurance is a con, I do not support it in NZ.

Most countries do have some compulsory cover, they still have large groups of people who don't pay it so you are screwed in an accident anyway. In NZ the main risk area (personal injury) is covered by ACC, they don't check if the person who hit you has paid their rego before you get covered. This scheme is also far far cheaper than other compulsory schemes from other countries and does not encourage mass litigation as it prevents someone suing you for $1m for minor whiplash. You don't have an insurance company trying to get out of paying and leaving you with the $1m to pay personally.

When it comes to property cover, most insurance companies in NZ have uninsured motorist extension of some kind, Basically, someone else hits you and your insurance company fixes your car and chases them for you at no cost to you (generally up to $3k cover if you only have 3rd party). So you get hit by another car that is uninsured and you are fine anyway.

Make insurance compulsory and that extension is highly likely to disapear. Everyone legally has to have cover so there is no risk right? Well no risk except for the claims declined because the other driver had undeclared mods, was drunk etc etc. Now you are really $&#$% as your insurance points you to the other drivers insurance who say no cover due to X Y Z. Thats without even considering the people who have no insurance the same way they drive with no WoF and reg. Then you notice your premiums are higher as suddenly to make insurance available to everyone premiums get capped. The low risk driver pay more to supplement the high risk, bet you will love that.

In summary -
Compulsory insurance = scam
I would like to see anyone point out a situation where the average driver would actually benefit from it, if you already are responsible enough to have at least 3rd party your uninsured motorist extension protects you better than compulsory insurance ever will.

Callum

[wde_bdy]

I’m not sure if it would be applicable in the situation described anyway. If the person was pulling a handbrake and the insurance company can prove it, I thought they wouldn’t cover him (same as if they were drunk or driving an unwarranted car)

dont say that i want some money lol

Don't worry, you are claiming under your insurance not theirs. The way they drove won't affect your claim.

Callum

[escortman]

yeh went to the cops again this arvo and their will be starting an investigation just to back me up if things get messy ie: he says it wasnt him etc etc
i also have a couple of witness's and about 10ppl got the plate down lol good c**ts

[Lanius]

yeh went to the cops again this arvo and their will be starting an investigation just to back me up if things get messy ie: he says it wasnt him etc etc
i also have a couple of witness's and about 10ppl got the plate down lol good c***s

Good stuff ... hope you can nail the idiot. Hope the cops nail him for taking off from an accident too.

[solitaire]

Compulsory insurance is a con, I do not support it in NZ.

Most countries do have some compulsory cover, they still have large groups of people who don't pay it so you are screwed in an accident anyway. In NZ the main risk area (personal injury) is covered by ACC, they don't check if the person who hit you has paid their rego before you get covered. This scheme is also far far cheaper than other compulsory schemes from other countries and does not encourage mass litigation as it prevents someone suing you for $1m for minor whiplash. You don't have an insurance company trying to get out of paying and leaving you with the $1m to pay personally.

When it comes to property cover, most insurance companies in NZ have uninsured motorist extension of some kind, Basically, someone else hits you and your insurance company fixes your car and chases them for you at no cost to you (generally up to $3k cover if you only have 3rd party). So you get hit by another car that is uninsured and you are fine anyway.

Make insurance compulsory and that extension is highly likely to disapear. Everyone legally has to have cover so there is no risk right? Well no risk except for the claims declined because the other driver had undeclared mods, was drunk etc etc. Now you are really $&#$% as your insurance points you to the other drivers insurance who say no cover due to X Y Z. Thats without even considering the people who have no insurance the same way they drive with no WoF and reg. Then you notice your premiums are higher as suddenly to make insurance available to everyone premiums get capped. The low risk driver pay more to supplement the high risk, bet you will love that.

In summary -
Compulsory insurance = scam
I would like to see anyone point out a situation where the average driver would actually benefit from it, if you already are responsible enough to have at least 3rd party your uninsured motorist extension protects you better than compulsory insurance ever will.

Callum

2nd'ed... Compulsory insurance in the uk basically means if you drive anything over 1.2 you pay through the nose...