Geekzone: technology news, blogs, forums
Guest
Welcome Guest.
You haven't logged in yet. If you don't have an account you can register now.


Filter this topic showing only the reply marked as answer View this topic in a long page with up to 500 replies per page Create new topic
1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11
18515 posts

Uber Geek

Trusted

  # 812973 7-May-2013 16:13
One person supports this post
Send private message

sittingduckz:
Bee: Current bank balance is $40 and this is a good week!
Savings? Yeah right!
Bank loan $28,000

So how I would even get the $300 I have no idea!!!
Scenario 1 - I lodge a claim, cant pay the excess so the insurance company refers to debt collectors who repossess the car ( worst case)

Scenario 2 - they can be bothered to take us to court and I negotiate to pay the courts at $10 per week...

I'm thinking scenario 2 will not even happen! but I'll opt for that it it does...

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

There are some serious holes in the law and insurance system here!!!


Really?!? Like what? This ought to be good


I agree.

Bee, my god. What if the other person was not insured, pranged your car, their fault, and like you, they cannot afford it. Same situation in reverse. I take it you would happily accept that unfortunate situation. Maybe they can afford to fix your, car in my example, but prefer to buy tyres for theirs.

18515 posts

Uber Geek

Trusted

  # 812975 7-May-2013 16:15
Send private message

Bee:
trig42: I am pretty certain that the poor person your wife backed into will just end up contacting their insurance company who will take action.

AFAIK, 3rd party insurance will at least get their insurance company fighting for them. It won't get to court, you will have to pay the excess, and your No Claims Bonus will disappear. The Insurance companies will sort it out.

I can only imagine your wails of protest if someone did this to you...


OK I contacted Fintel and they said if it were me that was backed into and I only had 3rd party insurance, they wouldnt do anything for me...  Which I agree is REALLY dumb but apparently thats how it is - so the lesson here is get full insurance on your car (AND your life!!!)


Thats not really dumb. Third Party is third party that is what is insured.

 
 
 
 


Bee



593 posts

Ultimate Geek


  # 812976 7-May-2013 16:15
Send private message

tdgeek:
sittingduckz:
Bee: Current bank balance is $40 and this is a good week!
Savings? Yeah right!
Bank loan $28,000

So how I would even get the $300 I have no idea!!!
Scenario 1 - I lodge a claim, cant pay the excess so the insurance company refers to debt collectors who repossess the car ( worst case)

Scenario 2 - they can be bothered to take us to court and I negotiate to pay the courts at $10 per week...

I'm thinking scenario 2 will not even happen! but I'll opt for that it it does...

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

There are some serious holes in the law and insurance system here!!!


Really?!? Like what? This ought to be good


I agree.

Bee, my god. What if the other person was not insured, pranged your car, their fault, and like you, they cannot afford it. Same situation in reverse. I take it you would happily accept that unfortunate situation. Maybe they can afford to fix your, car in my example, but prefer to buy tyres for theirs.


Im fully insured so one call to my insurance company would sort it all out...  3rd party insurance is a complete waste of money.

491 posts

Ultimate Geek


  # 812978 7-May-2013 16:16
Send private message

lxsw20:
tdgeek:
lxsw20: Pretty sure the owner of the car gets at least some say in who does the repair.


I'd say that is the option for the bearer of the cost.


I'd really hope not. If it's an old crapper not a big deal. If it's a fairly nice car in good condition, I would want quality genuine parts used and a quality job of the repair in general from someone trusted, not joes back yard panel/paint/chop shop. 


I've been driven into twice so far this year (while stopped at the lights)

You can take your car to a repairer of your choosing (registered with CRA)
The insurance assessor negotiates the price with the repairer, the car gets fixed

The insurance company has never dictated to me where the car is to be repaired.




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


18515 posts

Uber Geek

Trusted

  # 812980 7-May-2013 16:17
Send private message

lxsw20:
tdgeek:
lxsw20: Pretty sure the owner of the car gets at least some say in who does the repair.


I'd say that is the option for the bearer of the cost.


I'd really hope not. If it's an old crapper not a big deal. If it's a fairly nice car in good condition, I would want quality genuine parts used and a quality job of the repair in general from someone trusted, not joes back yard panel/paint/chop shop. 


I havn't caused an accident but I have had three repairs caused. The accredired repairers were great, I'd expect that should be common for insurance companies. I'd hope so

2325 posts

Uber Geek

Subscriber

  # 812981 7-May-2013 16:17
4 people support this post
Send private message

Until you write off someones 100k BMW in your 2k Corolla, then 3rd party the best money you ever spent.

3889 posts

Uber Geek


  # 812982 7-May-2013 16:18
Send private message

YadaMe: What were you hoping for posting on here, support? Everyone thinks you are been an ass, just lodge the insurance claim and pay the excess. Your wife caused the damage, just make it easy for the other person. If it goes to small claims you will be up for more court fees.


If it goes to court it could end up being a very big bill.

I read a thread a while back on GP forums about the guy who makes a meal out of these sorts of things for people.

The gist was that the system can be played to hammer you...  it's not worth the $800 dollar loss, that's for sure.

But hey, the OP can always take the risk that the other party won't just do a big of googling and get some advice.






Promote New Zealand - Get yourself a .kiwi.nz domain name!!!

Check out mine - i.am.a.can.do.kiwi.nz - don@i.am.a.can.do.kiwi.nz


 
 
 
 


3344 posts

Uber Geek

Trusted
Vocus

  # 812983 7-May-2013 16:18
One person supports this post
Send private message

Bee: Im fully insured so one call to my insurance company would sort it all out...  3rd party insurance is a complete waste of money.


No it isn't.  In fact it should be compulsory.

491 posts

Ultimate Geek


  # 812984 7-May-2013 16:18
One person supports this post
Send private message

Bee:
tdgeek:
sittingduckz:
Bee: Current bank balance is $40 and this is a good week!
Savings? Yeah right!
Bank loan $28,000

So how I would even get the $300 I have no idea!!!
Scenario 1 - I lodge a claim, cant pay the excess so the insurance company refers to debt collectors who repossess the car ( worst case)

Scenario 2 - they can be bothered to take us to court and I negotiate to pay the courts at $10 per week...

I'm thinking scenario 2 will not even happen! but I'll opt for that it it does...

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

There are some serious holes in the law and insurance system here!!!


Really?!? Like what? This ought to be good


I agree.

Bee, my god. What if the other person was not insured, pranged your car, their fault, and like you, they cannot afford it. Same situation in reverse. I take it you would happily accept that unfortunate situation. Maybe they can afford to fix your, car in my example, but prefer to buy tyres for theirs.


Im fully insured so one call to my insurance company would sort it all out...  3rd party insurance is a complete waste of money.


No it's not, If they had crashed into you, then you would be covered by their 3rd party insurance.

I do think everyone should have full cover




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


360 posts

Ultimate Geek


  # 812985 7-May-2013 16:18
Send private message

Bee:
tdgeek:
sittingduckz:
Bee: Current bank balance is $40 and this is a good week!
Savings? Yeah right!
Bank loan $28,000

So how I would even get the $300 I have no idea!!!
Scenario 1 - I lodge a claim, cant pay the excess so the insurance company refers to debt collectors who repossess the car ( worst case)

Scenario 2 - they can be bothered to take us to court and I negotiate to pay the courts at $10 per week...

I'm thinking scenario 2 will not even happen! but I'll opt for that it it does...

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

There are some serious holes in the law and insurance system here!!!


Really?!? Like what? This ought to be good


I agree.

Bee, my god. What if the other person was not insured, pranged your car, their fault, and like you, they cannot afford it. Same situation in reverse. I take it you would happily accept that unfortunate situation. Maybe they can afford to fix your, car in my example, but prefer to buy tyres for theirs.


Im fully insured so one call to my insurance company would sort it all out...  3rd party insurance is a complete waste of money.


if it was my car you hit, i would be logging a claim to your insurance company as you are full insured, and as part of hand over detail is one thing you have to give me, then they will fix my car and give you the excess bill.

3889 posts

Uber Geek


  # 812986 7-May-2013 16:19
Send private message

ubergeeknz:
Bee: Im fully insured so one call to my insurance company would sort it all out...  3rd party insurance is a complete waste of money.


No it isn't.  In fact it should be compulsory.


It is compulsory in Western Australia.  (not sure about the rest of aus, think it might be as well.)






Promote New Zealand - Get yourself a .kiwi.nz domain name!!!

Check out mine - i.am.a.can.do.kiwi.nz - don@i.am.a.can.do.kiwi.nz


Bee



593 posts

Ultimate Geek


  # 812988 7-May-2013 16:22
Send private message

if it was my car you hit, i would be logging a claim to your insurance company as you are full insured, and as part of hand over detail is one thing you have to give me, then they will fix my car and give you the excess bill.


Nope the insurance company wont do anything unless I lodge a claim first...

This is the issue that is dumb - if I dont want to claim cos there is no damage to my car then I dont have to...

GET FULL insurance! cos 3rd party wont cover damage to your car at all!

BDFL - Memuneh
65025 posts

Uber Geek

Administrator
Trusted
Geekzone
Lifetime subscriber

  # 812989 7-May-2013 16:23
One person supports this post
Send private message

DonGould:
sittingduckz: You obviously have internet


Isn't the internet a human right now?




Still, even if it was, it is not free.





3344 posts

Uber Geek

Trusted
Vocus

  # 812991 7-May-2013 16:24
Send private message

Bee: GET FULL insurance! cos 3rd party wont cover damage to your car at all!


That's kinda what is written on the box, yep.  But if you have a cheap car then it's quite adequate.  It does not mean that whoever causes an accident is not liable, though.

139 posts

Master Geek


  # 812993 7-May-2013 16:25
One person supports this post
Send private message

Bee:

Scenario 2 - they can be bothered to take us to court and I negotiate to pay the courts at $10 per week...

I'm thinking scenario 2 will not even happen! but I'll opt for that it it does...



I would be weary of this option. By not paying and going to court, as you are liable for the damage, you would also be liable for all the court costs and solicitors fees involved in this. This could easily see your ~$800 cost increase to ~$2000 as soon as it hits the court. This cost would increase if you do not comply with the courts orders and things like examination and attachment orders are required.

I would also be weary of assuming a figure of $10 a week. I work in payroll and have seen some attachment orders comparably large to someone's wages, nearly 20% in one case.

1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11
Filter this topic showing only the reply marked as answer View this topic in a long page with up to 500 replies per page Create new topic



Twitter and LinkedIn »



Follow us to receive Twitter updates when new discussions are posted in our forums:



Follow us to receive Twitter updates when news items and blogs are posted in our frontpage:



Follow us to receive Twitter updates when tech item prices are listed in our price comparison site:





News »

Intel introduces cryogenic control chip to enable quantum computers
Posted 10-Dec-2019 21:32


Vodafone 5G service live in four cities
Posted 10-Dec-2019 08:30


Samsung Galaxy Fold now available in New Zealand
Posted 6-Dec-2019 00:01


NZ company oDocs awarded US$ 100,000 Dubai World Expo grant
Posted 5-Dec-2019 16:00


New Zealand Rugby Selects AWS-Powered Analytics for Deeper Game Insights
Posted 5-Dec-2019 11:33


IMAGR and Farro bring checkout-less supermarket shopping to New Zealand
Posted 5-Dec-2019 09:07


Wellington Airport becomes first 5G connected airport in the country
Posted 3-Dec-2019 08:42


MetService secures Al Jazeera as a new weather client
Posted 28-Nov-2019 09:40


NZ a top 10 connected nation with stage one of ultra-fast broadband roll-out completed
Posted 24-Nov-2019 14:15


Microsoft Translator understands te reo Māori
Posted 22-Nov-2019 08:46


Chorus to launch Hyperfibre service
Posted 18-Nov-2019 15:00


Microsoft launches first Experience Center worldwide for Asia Pacific in Singapore
Posted 13-Nov-2019 13:08


Disney+ comes to LG Smart TVs
Posted 13-Nov-2019 12:55


Spark launches new wireless broadband "Unplan Metro"
Posted 11-Nov-2019 08:19


Malwarebytes overhauls flagship product with new UI, faster engine and lighter footprint
Posted 6-Nov-2019 11:48



Geekzone Live »

Try automatic live updates from Geekzone directly in your browser, without refreshing the page, with Geekzone Live now.


Support Geekzone »

Our community of supporters help make Geekzone possible. Click the button below to join them.

Support Geezone on PressPatron



Are you subscribed to our RSS feed? You can download the latest headlines and summaries from our stories directly to your computer or smartphone by using a feed reader.

Alternatively, you can receive a daily email with Geekzone updates.