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434 posts

Ultimate Geek
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  #776958 8-Mar-2013 15:06
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Do have third party insurance, wof ran out 5 days before incident.
Anyway, I have heard from them now maybe they are on here? doubt it.. but i won't get to happy until i have the money

103 posts

Master Geek


  #776959 8-Mar-2013 15:07
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How long since you called them and they called back?
I'd realistically give someone 48 hours to respond.

 
 
 
 


16356 posts

Uber Geek


  #776963 8-Mar-2013 15:28
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sleemanj:
mattwnz: Wouldn't not having a wof invalidate any insurance regardless of whether it was the cause of the problem or not .


No.  Been discussed many times.  But briefly...

The Insurance Law Reform Act, 1977, Section 11.

  • the insured shall not be disentitled to be indemnified by the insurer by reason only of such provisions of the contract of insurance if the insured proves on the balance of probability that the loss in respect of which the insured seeks to be indemnified was not caused or contributed to by the happening of such events or the existence of such circumstances.




Interesting because if you have health insurance, but fail to disclose a medical condition that is totally unrelated to the problem you are claiming on, I have heard that they can deny the claim, and invalidate the policy based on you not providing full an accurate information. I believe there have been a few examples on fair go in the past. But maybe that is more to do with 'invalidation' due to providing false information.

105 posts

Master Geek


  #776972 8-Mar-2013 15:56
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Klipspringer: We had a similar thing happen to us. Guy backed into us in a shopping car park, gave us his contact details etc .. He was very friendly and apologetic at the time, stating that we don’t need to worry. He will pay for all damages etc etc ..

We contacted out insurance, who in turn contacted him. He changed his story and no longer admitted fault. He told my insurance company that we both drove into each other.

In the end insurance still covered our damage, but we ended up having to pay the $400 excess.

Lesson learnt: Next time take pictures, get a written statement from the other person involved. If need be, drive straight down to the police station with them to do this. Don't leave it. Many people out there are dishonest.


Ahh same thing happened to me. Old lady was apologetic and admitted fault immediately, so I grabbed her details from her driver's license and her car's plate number. Rang insurance and they talked to her, she changed her story and unfortunately we were on the same insurance company and the insurance people listened to her and we paid $500 excess. The other car didn't need any repair. It was my first time to be involved in an incident like this. So lesson learned. Don't let them go! Good luck chasing them.

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  #776984 8-Mar-2013 16:28
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qwerty7: Do have third party insurance, wof ran out 5 days before incident.
Anyway, I have heard from them now maybe they are on here? doubt it.. but i won't get to happy until i have the money



Who are you with?

I'm with AA 3rd party & when somebody crashed into me they were happy to cover my repair as it was not my fault.

I'm not sure if all insurers do this but from what I heard, AA took the other guy to court to recover the costs.

4133 posts

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  #777087 8-Mar-2013 21:02
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Pwned:
Klipspringer: We had a similar thing happen to us. Guy backed into us in a shopping car park, gave us his contact details etc .. He was very friendly and apologetic at the time, stating that we don’t need to worry. He will pay for all damages etc etc ..

We contacted out insurance, who in turn contacted him. He changed his story and no longer admitted fault. He told my insurance company that we both drove into each other.

In the end insurance still covered our damage, but we ended up having to pay the $400 excess.

Lesson learnt: Next time take pictures, get a written statement from the other person involved. If need be, drive straight down to the police station with them to do this. Don't leave it. Many people out there are dishonest.


Ahh same thing happened to me. Old lady was apologetic and admitted fault immediately, so I grabbed her details from her driver's license and her car's plate number. Rang insurance and they talked to her, she changed her story and unfortunately we were on the same insurance company and the insurance people listened to her and we paid $500 excess. The other car didn't need any repair. It was my first time to be involved in an incident like this. So lesson learned. Don't let them go! Good luck chasing them.


+1 for me years ago, admitted fault, gave me details, then changed story.






3299 posts

Uber Geek


  #777117 8-Mar-2013 21:11
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I know its hard to think at the time, but most phones have cameras and voice recorders...highly recommended to take lots of photos and if possible record the conversation.





Always be yourself, unless you can be Batman, then always be the Batman



 
 
 
 


809 posts

Ultimate Geek
Inactive user


  #777400 9-Mar-2013 16:46
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If you can't find these people, you must tell a police officer as soon as possible and no later than 60 hours after the crash.



 Yes...no doubt. Whether they would care is another matter...


3016 posts

Uber Geek


  #777772 10-Mar-2013 23:11
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We just finished fighting through the disputes tribunal for someone refusing to pay.

Uninsured, learner driver (no supervisor in car either), WOF and Rego-less car didn't give way at an intersection, hit the side of my car causing dents and paint stripping. We got her details from her licence, photos of her licence plate and car, as well as all damage on both vehicles, and went on our way (though I did call *555 because I wasnt sure about letting her continue driving illegally but they decided police wont attend considering no one was injured but logged it anyway). Reported at police station and asked if they would press charges but didnt hear anything back.

Insurer contacted her, she initially accepted liability and we got a 1725 quote for repairs. Vero didnt charge us excess since she was admitting fault and they had a recording of this (excess would have been around 2K for me because I was 18 at the time) She then decided she didnt want to pay and would rather get it repaired herself but Vero said we would deal with that, she just has to pay. Long story short she didnt and we ended up going to the disputes tribunal last week. It ended in our favour and she had to pay the full amount but at $30/week. She wasn't happy at all but that wasnt our fault.

Best thing to remember, do everything that will get your car sorted. Ignore the other person completely and let your insurer and the police deal with them. Thats what we done. It just gets everyone nowhere.

All the best!





Bachelor of Computing Systems (2015)

 

--

 

Late 2013 MacBook Pro with Retina Display (4GB/2.4GHz i5/128GB SSD) - HP DV6 (8GB/2.8GHz i7/120GB SSD + 750GB HDD)
iPhone 6S + (64GB/Gold/Vodafone NZ) - Xperia Z C6603 (16GB/White/Spark NZ)

Sam, Auckland 


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  #777803 11-Mar-2013 07:19
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tardtasticx: We just finished fighting through the disputes tribunal for someone refusing to pay.

Uninsured, learner driver (no supervisor in car either), WOF and Rego-less car didn't give way at an intersection, hit the side of my car causing dents and paint stripping. We got her details from her licence, photos of her licence plate and car, as well as all damage on both vehicles, and went on our way (though I did call *555 because I wasnt sure about letting her continue driving illegally but they decided police wont attend considering no one was injured but logged it anyway). Reported at police station and asked if they would press charges but didnt hear anything back.

Insurer contacted her, she initially accepted liability and we got a 1725 quote for repairs. Vero didnt charge us excess since she was admitting fault and they had a recording of this (excess would have been around 2K for me because I was 18 at the time) She then decided she didnt want to pay and would rather get it repaired herself but Vero said we would deal with that, she just has to pay. Long story short she didnt and we ended up going to the disputes tribunal last week. It ended in our favour and she had to pay the full amount but at $30/week. She wasn't happy at all but that wasnt our fault.

Best thing to remember, do everything that will get your car sorted. Ignore the other person completely and let your insurer and the police deal with them. Thats what we done. It just gets everyone nowhere.

All the best!



Congrat's on the win, but $30 a week is a SLOW repair! This is where our courts fail big time - the victim is the one who has to suffer while they wait to get their money.

2385 posts

Uber Geek
Inactive user


  #777817 11-Mar-2013 08:37
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keewee01:
tardtasticx: We just finished fighting through the disputes tribunal for someone refusing to pay.

Uninsured, learner driver (no supervisor in car either), WOF and Rego-less car didn't give way at an intersection, hit the side of my car causing dents and paint stripping. We got her details from her licence, photos of her licence plate and car, as well as all damage on both vehicles, and went on our way (though I did call *555 because I wasnt sure about letting her continue driving illegally but they decided police wont attend considering no one was injured but logged it anyway). Reported at police station and asked if they would press charges but didnt hear anything back.

Insurer contacted her, she initially accepted liability and we got a 1725 quote for repairs. Vero didnt charge us excess since she was admitting fault and they had a recording of this (excess would have been around 2K for me because I was 18 at the time) She then decided she didnt want to pay and would rather get it repaired herself but Vero said we would deal with that, she just has to pay. Long story short she didnt and we ended up going to the disputes tribunal last week. It ended in our favour and she had to pay the full amount but at $30/week. She wasn't happy at all but that wasnt our fault.

Best thing to remember, do everything that will get your car sorted. Ignore the other person completely and let your insurer and the police deal with them. Thats what we done. It just gets everyone nowhere.

All the best!



Congrat's on the win, but $30 a week is a SLOW repair! This is where our courts fail big time - the victim is the one who has to suffer while they wait to get their money.


Agreed. This is disgraceful. I'm still confused as to why car insurance (minimum 3rd party only) is not compulsory in this country.

4704 posts

Uber Geek


  #777822 11-Mar-2013 08:49
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The problem is that people who do dodgy business tend to go into hiding and courts do not assist in location.  

I reckon they should be able to use Inland revenue / social welfare records to track people who are on the run from court orders.  Not that it will always work, but, should definitely assist in catching up these evaders. 

92 posts

Master Geek


  #787118 26-Mar-2013 11:38
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I got nailed on my motorbike, it was written off. No warrant (out by a month), but tons of witnesses and it was clearly his fault. He tried to say I was speeding and blame a motorist who waved him through the intersection, but I had right of way and he had run into me in front of a dozen people- no way I could have avoided him.

So, cops fined me $200 for no warrant, and his insurance paid me out $2300 for my bike (only $150 less than I paid for it several years earlier- it was in much worse condition by then so I was very happy).

You might get a fine/demerit points for the lack of warrant, if the cops are involved, but if not, as long as it didn't contribute to the accident then insurance can't do anything about it. If you are not driving legally though, eg: on a learner's licence unaccompanied, and cause a crash, then your third party will not cover it.

If you are on your learners unaccompanied and THEY hit YOU (and they are clearly in the wrong), their insurance is still liable because your licence status and lack of experience/skill/qualification to drive did not contribute to the crash.

3016 posts

Uber Geek


  #788314 27-Mar-2013 23:21
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keewee01:
tardtasticx: We just finished fighting through the disputes tribunal for someone refusing to pay.

Uninsured, learner driver (no supervisor in car either), WOF and Rego-less car didn't give way at an intersection, hit the side of my car causing dents and paint stripping. We got her details from her licence, photos of her licence plate and car, as well as all damage on both vehicles, and went on our way (though I did call *555 because I wasnt sure about letting her continue driving illegally but they decided police wont attend considering no one was injured but logged it anyway). Reported at police station and asked if they would press charges but didnt hear anything back.

Insurer contacted her, she initially accepted liability and we got a 1725 quote for repairs. Vero didnt charge us excess since she was admitting fault and they had a recording of this (excess would have been around 2K for me because I was 18 at the time) She then decided she didnt want to pay and would rather get it repaired herself but Vero said we would deal with that, she just has to pay. Long story short she didnt and we ended up going to the disputes tribunal last week. It ended in our favour and she had to pay the full amount but at $30/week. She wasn't happy at all but that wasnt our fault.

Best thing to remember, do everything that will get your car sorted. Ignore the other person completely and let your insurer and the police deal with them. Thats what we done. It just gets everyone nowhere.

All the best!



Congrat's on the win, but $30 a week is a SLOW repair! This is where our courts fail big time - the victim is the one who has to suffer while they wait to get their money.


Thanks :) I was pretty annoyed she got off so lightly, but my insurer (Vero) were amazing, as soon as she admitted fault over the phone the first time they contacted her, they paid the panel beater to fix my car and also got him to give me a loan car (which is pretty good for an 18year old student I hear). So I wasnt stuck waiting months or years for the final amount to have the car fixed, but the insurer would have to wait a while to get all their money back, though I highly doubt this is going to break their bank :P




Bachelor of Computing Systems (2015)

 

--

 

Late 2013 MacBook Pro with Retina Display (4GB/2.4GHz i5/128GB SSD) - HP DV6 (8GB/2.8GHz i7/120GB SSD + 750GB HDD)
iPhone 6S + (64GB/Gold/Vodafone NZ) - Xperia Z C6603 (16GB/White/Spark NZ)

Sam, Auckland 


117 posts

Master Geek


  #789039 28-Mar-2013 22:45
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ALWAYS no matter who is at fault, or what they look like, call the police if it isn't just a tiny scratch in a supermarket, and get video recordings of fault admissions etc.

Unfortunately things are getting pretty crap in regards to fault naming and the like, known plenty of people in similar situations and it sucks.

Again, call the cops, because the insurance company will actually listen

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