Insurance Claim?

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680 posts

Ultimate Geek

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#815144 10-May-2013 11:37

Bee:
Amosnz: LEGALLY you might not have to file a claim but LEGALLY you (your wife) is liable for repairs to the car.

My point was purely this: If you could file a claim, at no cost to yourself, to allow the other persons car to be repaired and potentially head off any court battle, why would you not?

Its not at no cost - there is excess of $300 and no claims bonus.

Maybe you'd have the money and generally be more successful in life if you had a better attitude towards others and what is right!!

Your attitude sux, and I can't believe you are still going on about this.

Can you PM the other person details, because I would really prefer to give them legal advice. I get the feeling you are just a horrible person.

I can't write what I really think because of the FUG!!!

I'm not a complete idiot, I still have some parts missing.

DaveDog

336 posts

Ultimate Geek

#815145 10-May-2013 11:37

Bee:
Amosnz: LEGALLY you might not have to file a claim but LEGALLY you (your wife) is liable for repairs to the car.

My point was purely this: If you could file a claim, at no cost to yourself, to allow the other persons car to be repaired and potentially head off any court battle, why would you not?

Its not at no cost - there is excess of $300 and no claims bonus.

That's totally irrelevant... The cost is yours to bear as you have damaged someone elses vehicle...

Bee

731 posts

Ultimate Geek

#815152 10-May-2013 11:44

DaveDog:
Bee:
Amosnz: LEGALLY you might not have to file a claim but LEGALLY you (your wife) is liable for repairs to the car.

My point was purely this: If you could file a claim, at no cost to yourself, to allow the other persons car to be repaired and potentially head off any court battle, why would you not?

Its not at no cost - there is excess of $300 and no claims bonus.

That's totally irrelevant... The cost is yours to bear as you have damaged someone elses vehicle...

Seriously!!! LEARN TO READ!!!

Amosnz said it was free, I said it wasnt. that was it here...

Doing your best is much more important than being the best.

sittingduckz

680 posts

Ultimate Geek

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#815153 10-May-2013 11:44

Bee: Next you will be suggesting that murderers should march down to the police station and hand themselves in!

YES they should!! What a stupid example

A: If they had morals they wouldn't commit murder
B: If they did then yes ideally they should hand themselves in

Has anyone supported you yet? Take a hint!!

I'm not a complete idiot, I still have some parts missing.

DaveDog

336 posts

Ultimate Geek

#815156 10-May-2013 11:45

Bee:
DaveDog:
Bee:
Amosnz: LEGALLY you might not have to file a claim but LEGALLY you (your wife) is liable for repairs to the car.

My point was purely this: If you could file a claim, at no cost to yourself, to allow the other persons car to be repaired and potentially head off any court battle, why would you not?

Its not at no cost - there is excess of $300 and no claims bonus.

That's totally irrelevant... The cost is yours to bear as you have damaged someone elses vehicle...

Seriously!!! LEARN TO READ!!!

Amosnz said it was free, I said it wasnt. that was it here...

It doesn't matter what anyone said - like I said...
The cost is yours to bear as you have damaged someone elses vehicle...

Bee

731 posts

Ultimate Geek

#815159 10-May-2013 11:50

In between the abuse I have had some helpful advice, which is what I originally came here for...

I left this discussion on Tuesday and it has lived on without me...

Someone commented that I hadn't been on since page 2 so I thought I'd give a bit of an update...

Even if I do eventually do the "right" thing - you will all think I didn't and am a truly horrible person and I don't think that's fair at all...

Doing your best is much more important than being the best.

DaveDog

336 posts

Ultimate Geek

#815169 10-May-2013 12:01

Bee: In between the abuse I have had some helpful advice, which is what I originally came here for...

I left this discussion on Tuesday and it has lived on without me...

Someone commented that I hadn't been on since page 2 so I thought I'd give a bit of an update...

Even if I do eventually do the "right" thing - you will all think I didn't and am a truly horrible person and I don't think that's fair at all...

MF: Does that not count as a personal attack which is against the FUG???

The way I see it - and correct me if I am wrong but your comment "Even if I do eventually do the "right" thing" does sort of make you out to be a pretty horrible person don't you think?

The impression I get from your thread (right from the start) is that you've damaged someone elses property and you're desperately looking to avoid your moral and legal responsibility with a loophole... Is that fair?

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sittingduckz

680 posts

Ultimate Geek

ID Verified

#815185 10-May-2013 12:14

Bee: In between the abuse I have had some helpful advice, which is what I originally came here for...

I left this discussion on Tuesday and it has lived on without me...

Someone commented that I hadn't been on since page 2 so I thought I'd give a bit of an update...

Even if I do eventually do the "right" thing - you will all think I didn't and am a truly horrible person and I don't think that's fair at all...

I stand by my comment until/if you do the right thing.

It's called doing the right thing for a reason

I'm not a complete idiot, I still have some parts missing.

Klipspringer

2385 posts

Uber Geek
Inactive user

#815188 10-May-2013 12:15

Bee: Even if I do eventually do the "right" thing - you will all think I didn't and am a truly horrible person and I don't think that's fair at all...

MF: Does that not count as a personal attack which is against the FUG???

Jeez mate. Now you trying to turn it around and act like the victim.??

And yes your posts do indicate to me that you not really a nice person. Go on prove us wrong, do the right thing and sort out the problem. Pleading poverty is no excuse to damage somebody else’s property and refuse to do anything about it.

Edit: your posts anger me and I seriously hope I don't run into somebody like you on our roads.

Bee: My wife backed into another car today...

Bee: As there is no damage to our car why would I bother to claim? Legally we dont have to??

Bee: Also seems like someone trying to make a quick buck - $800 seems a bit much for a bit of paint and a new headlight??

Bee: The main thing is - requiring us to put in a claim? there's no law regarding this is there???

Bee: It wasn't out fault and we wont admit that - first rule of car crashes...

Bee: Morally I agree we should lodge the claim to help them get their car fixed but there's no legal obligation to this at all as far as I can see...

Bee: So again with no legal obligation, I'm not going to give anyone money that I don't have if I dont legally have to... will wait for the court summons then?

Bee: If I had $300 I could buy two new tyres that the car desperately needs!

Bee: If I choose not to file a claim - because I don't LEGALLY have to, then sure the court case could be worse, but then again there is the chance it may not happen at all as well...

Bee

731 posts

Ultimate Geek

#815190 10-May-2013 12:16

DaveDog:
Bee: In between the abuse I have had some helpful advice, which is what I originally came here for...

I left this discussion on Tuesday and it has lived on without me...

Someone commented that I hadn't been on since page 2 so I thought I'd give a bit of an update...

Even if I do eventually do the "right" thing - you will all think I didn't and am a truly horrible person and I don't think that's fair at all...

MF: Does that not count as a personal attack which is against the FUG???

The way I see it - and correct me if I am wrong but your comment "Even if I do eventually do the "right" thing" does sort of make you out to be a pretty horrible person don't you think?

The impression I get from your thread (right from the start) is that you've damaged someone elses property and you're desperately looking to avoid your moral and legal responsibility with a loophole... Is that fair?

Desperate no. But I don't have a spare $30 let alone $300 so if I can get away with it then I will.

Would you volunteer to pay for something if you don't have to? Would you volunteer to pay it for me?

No, and I really wouldn't expect you to.

Moral responsibility I accept, but there should be a legal obligation here or a robust process and there is not. My original post was just to find out if my original surveying of the situation was correct and on the whole it was...

People get away with this every day ... Just last night some boy racer playing in the rain ploughed into a car parked on the road outside our house and drove off FAST before I could get the plate of the car...

I used to be very kind and generous with my money and look where that got me - struggling to feed a family of 4 for a week with $100...

Slightly bitter and twisted about the lot that life has dealt me yes. A horrible person over all? no.

Doing your best is much more important than being the best.

richms

28058 posts

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#815193 10-May-2013 12:18

Bee:

Desperate no. But I don't have a spare $30 let alone $300 so if I can get away with it then I will.

Would you volunteer to pay for something if you don't have to? Would you volunteer to pay it for me?

No, and I really wouldn't expect you to.

But you do have to pay for it, well your wife does. Paying now when its easy and less, or waiting till you have costs added in the future is entirely up to you.

Richard rich.ms

sittingduckz

680 posts

Ultimate Geek

ID Verified

#815195 10-May-2013 12:23

Bee:
DaveDog:
Bee: In between the abuse I have had some helpful advice, which is what I originally came here for...

I left this discussion on Tuesday and it has lived on without me...

Someone commented that I hadn't been on since page 2 so I thought I'd give a bit of an update...

Even if I do eventually do the "right" thing - you will all think I didn't and am a truly horrible person and I don't think that's fair at all...

MF: Does that not count as a personal attack which is against the FUG???

The way I see it - and correct me if I am wrong but your comment "Even if I do eventually do the "right" thing" does sort of make you out to be a pretty horrible person don't you think?

The impression I get from your thread (right from the start) is that you've damaged someone elses property and you're desperately looking to avoid your moral and legal responsibility with a loophole... Is that fair?

Desperate no. But I don't have a spare $30 let alone $300 so if I can get away with it then I will.

Would you volunteer to pay for something if you don't have to? Would you volunteer to pay it for me?

No, and I really wouldn't expect you to.

Moral responsibility I accept, but there should be a legal obligation here or a robust process and there is not. My original post was just to find out if my original surveying of the situation was correct and on the whole it was...

People get away with this every day ... Just last night some boy racer playing in the rain ploughed into a car parked on the road outside our house and drove off FAST before I could get the plate of the car...

I used to be very kind and generous with my money and look where that got me - struggling to feed a family of 4 for a week with $100...

Slightly bitter and twisted about the lot that life has dealt me yes. A horrible person over all? no.

There IS a legal responsibly to repair the other person vehicle. It's up to if you want to pay the $800 repair bill or your $300 excess. Claiming via your insurance is not the issue here and not the legal responsibly, that parts up to you. The repairing of the car your wife damaged IS your legal responsibly!

It's not a loophole, it's your choice. But either way you have to pay.

I personally would take the cheaper option.

I'm not a complete idiot, I still have some parts missing.

DaveDog

336 posts

Ultimate Geek

#815202 10-May-2013 12:28

Bee:
DaveDog:
Bee: In between the abuse I have had some helpful advice, which is what I originally came here for...

I left this discussion on Tuesday and it has lived on without me...

Someone commented that I hadn't been on since page 2 so I thought I'd give a bit of an update...

Even if I do eventually do the "right" thing - you will all think I didn't and am a truly horrible person and I don't think that's fair at all...

MF: Does that not count as a personal attack which is against the FUG???

The way I see it - and correct me if I am wrong but your comment "Even if I do eventually do the "right" thing" does sort of make you out to be a pretty horrible person don't you think?

The impression I get from your thread (right from the start) is that you've damaged someone elses property and you're desperately looking to avoid your moral and legal responsibility with a loophole... Is that fair?

Desperate no. But I don't have a spare $30 let alone $300 so if I can get away with it then I will.

Would you volunteer to pay for something if you don't have to? Would you volunteer to pay it for me?

No, and I really wouldn't expect you to.

Moral responsibility I accept, but there should be a legal obligation here or a robust process and there is not. My original post was just to find out if my original surveying of the situation was correct and on the whole it was...

People get away with this every day ... Just last night some boy racer playing in the rain ploughed into a car parked on the road outside our house and drove off FAST before I could get the plate of the car...

I used to be very kind and generous with my money and look where that got me - struggling to feed a family of 4 for a week with $100...

Slightly bitter and twisted about the lot that life has dealt me yes. A horrible person over all? no.

Actually - This is possibly what makes you a horrible person and me not...

Scenario: I back into someone elses car. It is my fault. I will pay (find a way to pay) to repair the damage that I have caused - I will bend over backwards to resolve it quickly and with the least amount of drama for the other person. My fault - I sort it...

What you are doing effectively (if you excuse the bluntness) is crapping on someone else because you feel you can, because you can't afford it, because this (excuse) or that (excuse)... The other person isn't to blame for what you have done - but you're happy for them to wear it... A pretty horrible thing to do to someone don't you think?

coldstone

22 posts

Geek

#815235 10-May-2013 13:13

interesting the arguments going on here but i do support the status quo- if you make a submission to your insurance policy SAYING i hit someone and they MAY claim against my Third part insurance you dont pay the excess untill they make a claim- so if they do not make a claim you dont pay-

The issue i have with your stance is that YOUR WIFE CAUSED THE DAMAGE and by you not accepting your responsibility for BAD driving you could delay the repairs to the other persons car as it may go to dispute.

SO you say you dont have $300 BUT if thats a mother with Kids who ahs to drop them to Scholl and now they have to TAXI at $15 each way per day fror two weeks you could have cost them $300 because of your lack of responsibilty- as per 90% of the comments - JUST DO THE RIGHT THING - you will not hav eto pay untill they claim and then you can entre into a payment agreement with your insurance broker-

Also if i was your insurance company and saw this i would cancel your policy as a high risk customer.

Just my opinion

coldstone

22 posts

Geek

#815238 10-May-2013 13:22

Looking at your other posts i do see a trend-
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So the other day I got a ticket for no Rego on the car - the ticket says "compliance" which means if I get a new one within 28 days I can get off the ticket.
My question is if I take the car off the road completely I.E. take it to a wreckers, can I get off it this way as well? Anyone know the answer???
Im quite happy to pay if I have to as yes, it was my own silly fault but if I legally dont have to pay then I wont :)
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I also see a request for investment- a while ago but i bet with morals like this not too many people will be interested
----------------------------

Hi,

This is a bit of a long shot but as the saying goes - "If you dont ask you dont get"

I'm looking for people interested in a fairly short term investment.

Amounts from $50 to $1000 - over 5 or 6 months I can offer a return of 25%P.A. guaranteed.

This is a one off proposal - not a commercial deal at all but it is legit and not a scam or illegal at all - I respect this community and would never try to scam such an intelligent group... :)

---------------------------
And again in another post

Suppose I got sick of paying back my student loan and decided to fill in the form and give it to my employer to change my tax code.

a) Do you think I would actually get away with it at all? and if so how long before the IRD catches up with me?
b) Once they actually catch me would there actually be any fine or penalty imposed say for intentional fraud or "Tax evasion" or would they just demand the overdue amount repaid immediately

I think this shows a trend of trying not to pay your fair share in life.

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