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gzt

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  Reply # 976001 28-Jan-2014 15:56 Send private message

Geektastic:
gzt:
KiwiNZ: The UK has compulsory insurance and I see it as a good thing, folks lose their cars if they are not insured.

In the UK that has also led to stupidly expensive insurance for everyone. When you make something compulsory you also have to mandate what is covered, for which you can find endless examples of what should be covered. Personally I think that the if-you-want-your-gear-insured-against-x-then-insure-your-gear is actually the best and most effective policy as far as costs are concerned.


It's not stupidly expensive for good drivers. My last car there, a new VW Passat station wagon worth about $50,000 equivalent, cost me just under $900 equivalent a year fully comp. My car here, worth about $35,000, costs me $800 a year.

Remember that insurance there covers the paraplegic you created in an accident suing you for $10 million. Here it doesn't because we fob that off on the taxpayer instead of the at fault driver.

I would change the law so that at least third party was required and place a statutory obligation on ACC to sue for recovery from the at fault driver's insurance where Police determine there is fault. This would at least have consequences for the premiums of bad drivers as well as reducing the burden on taxpayers who presently have to fund the consequences.

Going by the averages in the table at the bottom of this article you could be between 60 and 69 ; ).

I've also heard adding a driver to an existing policy is not as simple and carefree as it is here.

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  Reply # 976010 28-Jan-2014 16:05

Geektastic: Remember that insurance there covers the paraplegic you created in an accident suing you for $10 million. Here it doesn't because we fob that off on the taxpayer instead of the at fault driver.


In the UK the 3rd party insurance covers the personal injury aspect. The equivalent of no insurance there would be unpaid Licence (Reg) which contains the ACC levy. As well as the ACC levy in the licence fee there is an ACC levy on petrol. Motor vehicle accidents are paid from those sources not general taxes.

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  Reply # 976104 28-Jan-2014 17:53 Send private message

KiwiNZ:
sleemanj:
Geektastic: 

Compulsory insurance.


ACC  removes the need for such (unless you also include property damage, which is silly, if somebody wants to not insure their property against damage that should always be their choice).  

If you don't like ACC, fine, there are other less enlightened countries which do not have a no fault universal accident compensation system, try over there.

The amortised costs, both financial and social of ACC to society as a whole are far lower than the costs which would be brought about by having compulsory individual insurance cover.

ACC isn't perfect, and there are many ways it could be improved, but it's still better than the alternative. 


There should be a minimum of compulsory third party insurance, they may not care about their property but what about those they hit? 


I agree, third party should be levied as part of the registration fee and set by the government to avoid insurance companies manipulating the prices.  Fully comprehensive mind you, I think should be risk based and assessed by the insurance companies.  I think third party here should also include 'fire and theft' as well.





TwoSeven

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  Reply # 976121 28-Jan-2014 18:32 Send private message

TwoSeven:
freitasm:
KiwiNZ: The whole point of this video and others is to highlight something that cannot be edited out, reshot etc etc is road deaths, the overall message is what counts.




So a little white lie is ok then?

Nope. Bad form from police. The healine should be "Hero truck driver avoids even bigger problem by controlling its truck while a retard is driving on the road."



I don't agree, when I was motorcycle dispatching my rule of thumb was that there were always two parties responsible in such an incident - the party that was the cause of the incident, and the party that allowed themselves to get into such a position that they were affected by the incident.



How does that work? He was driving in a straight line, in his own lane. You can't avoid what you can't see. Ever driven a semi?

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  Reply # 976125 28-Jan-2014 18:50 One person supports this post Send private message

blakamin:
TwoSeven:
freitasm:
KiwiNZ: The whole point of this video and others is to highlight something that cannot be edited out, reshot etc etc is road deaths, the overall message is what counts.




So a little white lie is ok then?

Nope. Bad form from police. The healine should be "Hero truck driver avoids even bigger problem by controlling its truck while a retard is driving on the road."



I don't agree, when I was motorcycle dispatching my rule of thumb was that there were always two parties responsible in such an incident - the party that was the cause of the incident, and the party that allowed themselves to get into such a position that they were affected by the incident.



How does that work? He was driving in a straight line, in his own lane. You can't avoid what you can't see. Ever driven a semi?


There are a marvellous set of techniques taught in driver training courses known as 'defensive driving'. Some of the techniques involve such things as hazard identification and hazard avoidance.




TwoSeven

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  Reply # 976126 28-Jan-2014 18:51 Send private message

TwoSeven:
blakamin:
TwoSeven:
freitasm:
KiwiNZ: The whole point of this video and others is to highlight something that cannot be edited out, reshot etc etc is road deaths, the overall message is what counts.




So a little white lie is ok then?

Nope. Bad form from police. The healine should be "Hero truck driver avoids even bigger problem by controlling its truck while a retard is driving on the road."



I don't agree, when I was motorcycle dispatching my rule of thumb was that there were always two parties responsible in such an incident - the party that was the cause of the incident, and the party that allowed themselves to get into such a position that they were affected by the incident.



How does that work? He was driving in a straight line, in his own lane. You can't avoid what you can't see. Ever driven a semi?


There are a marvellous set of techniques taught in driver training courses known as 'defensive driving'. Some of the techniques involve such things as hazard identification and hazard avoidance.


Like I said, you've obviously never driven a truck.

edit... see that yellow bit at the top? That's pretty much an on ramp when a driver is speeding to beat a truck. 


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  Reply # 976498 29-Jan-2014 10:01 Send private message

Another NZ Herald article.  No evidence driver was on the phone.

Somebody should lose their job for this.

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  Reply # 976563 29-Jan-2014 11:40 One person supports this post Send private message

blakamin:
edit... see that yellow bit at the top? That's pretty much an on ramp when a driver is speeding to beat a truck. 



To clarify in case it's not obvious, the yellow areas in blackamin's picture are the truck drivers blindspots.





---
James Sleeman

My hobby - listing small amounts of interesting/useful hobby electronic components hardware and stuff on Trademe for cheap, all good geek stuff for the "maker" revolution ;-)

Tip for Trademe addicts: install an addon for your browser to get thumbs for all listings.

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  Reply # 976806 29-Jan-2014 16:16 Send private message

TwoSeven:
freitasm:
KiwiNZ: The whole point of this video and others is to highlight something that cannot be edited out, reshot etc etc is road deaths, the overall message is what counts.




So a little white lie is ok then?

Nope. Bad form from police. The healine should be "Hero truck driver avoids even bigger problem by controlling its truck while a retard is driving on the road."



I don't agree, when I was motorcycle dispatching my rule of thumb was that there were always two parties responsible in such an incident - the party that was the cause of the incident, and the party that allowed themselves to get into such a position that they were affected by the incident.



"there were always two parties responsible in such an incident" not really man. In some situations, where it was plainly able to be avoided sure. But sometimes you can't 'avoid' a accident from the stupid decisions of others. Take the example of the accident I was involved in last year, where a stupid woman ran a red light in front of me, from a corner I could only see to a point. So how is it my fault for letting that happen to me??

Or have a misconstrued what your actual meaning was?

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