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Reply # 352440 16-Jul-2010 19:34
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Lockcode027:
Dratsab:
Fraktul: Looks like he was listing the consequences of his actions, not complaining.

Agreed.

Lockcode027: i feel like im in a nightmare that i can't wake up from it's all my fault.

i got to pay $150 dollars to the police for the fine.
i get 20 demerit points as far as i know from reading off the land transport website.
i got a dent in the side of my car
i feel like s**t for doing it.
now there insurance comply is after me.

Are you insured?


yes you are right im not complaining. and no i don't have insurance as i can't afford it.


Well you should not be allowed on the road the sooner the LAW is changed about this matter the better. You should get a bigger fine and more demerit points for not having 3rd party insurance

Hope there insurance nails you to the wall. I have been hit by uninsured drivers more than once

John





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  Reply # 352443 16-Jul-2010 19:39
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+1
if you can afford a car you can get insurance, i baught a subaru heavily modified with 3rd party insurance for less than $500 bucks a year, i would seriously look at buying insurance now, or selling your car to make up for the costs of the other driver.

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  Reply # 352453 16-Jul-2010 20:02
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I suspected you didn't have insurance when you said it was like a nightmare and the other persons insurance company was after you too.

A very harsh lesson, but hopefully one learnt well - if you can afford to drive on the road you *can* afford 3rd party insurance at the very least.  It can save you a great deal of money and hassle.

(Not to mention saving upsetting johnr!!)

Where in NZ are you?



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  Reply # 352461 16-Jul-2010 20:40
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johnr:
Lockcode027:
Dratsab:
Fraktul: Looks like he was listing the consequences of his actions, not complaining.

Agreed.

Lockcode027: i feel like im in a nightmare that i can't wake up from it's all my fault.

i got to pay $150 dollars to the police for the fine.
i get 20 demerit points as far as i know from reading off the land transport website.
i got a dent in the side of my car
i feel like s**t for doing it.
now there insurance comply is after me.

Are you insured?


yes you are right im not complaining. and no i don't have insurance as i can't afford it.


Well you should not be allowed on the road the sooner the LAW is changed about this matter the better. You should get a bigger fine and more demerit points for not having 3rd party insurance

Hope there insurance nails you to the wall. I have been hit by uninsured drivers more than once

John






come on mate no need to be like that no one is perfect. even the police make mistakes

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  Reply # 352470 16-Jul-2010 21:23
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Lockcode027:
johnr:
Lockcode027:
Dratsab:
Fraktul: Looks like he was listing the consequences of his actions, not complaining.

Agreed.

Lockcode027: i feel like im in a nightmare that i can't wake up from it's all my fault.

i got to pay $150 dollars to the police for the fine.
i get 20 demerit points as far as i know from reading off the land transport website.
i got a dent in the side of my car
i feel like s**t for doing it.
now there insurance comply is after me.

Are you insured?


yes you are right im not complaining. and no i don't have insurance as i can't afford it.


Well you should not be allowed on the road the sooner the LAW is changed about this matter the better. You should get a bigger fine and more demerit points for not having 3rd party insurance

Hope there insurance nails you to the wall. I have been hit by uninsured drivers more than once

John






come on mate no need to be like that no one is perfect. even the police make mistakes


I agree, the fact that you are not simply having a whinge about police or trying to make excuses shows maturity. Trust me I'm only 23 but have had far too many run ins with the police for my heavy foot (no I'm not a boy racer) but I can only blame myself everytime it has happened when I know full well what the consequences are for breaking the law.

Regarding the insurance thing, everyone should certainly be insured and you will no doubt have learnt your lesson (I hope!) but what you can expect in this situation is the owner of the other vehicle will be paid out or repaired by their insurance company, and the insurance company in turn will seek money from you. It may be that they are granted a court order for you to pay them back weekly as much as you can afford.



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  Reply # 352474 16-Jul-2010 21:27
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Decimate:
Lockcode027:
johnr:
Lockcode027:
Dratsab:
Fraktul: Looks like he was listing the consequences of his actions, not complaining.

Agreed.

Lockcode027: i feel like im in a nightmare that i can't wake up from it's all my fault.

i got to pay $150 dollars to the police for the fine.
i get 20 demerit points as far as i know from reading off the land transport website.
i got a dent in the side of my car
i feel like s**t for doing it.
now there insurance comply is after me.

Are you insured?


yes you are right im not complaining. and no i don't have insurance as i can't afford it.


Well you should not be allowed on the road the sooner the LAW is changed about this matter the better. You should get a bigger fine and more demerit points for not having 3rd party insurance

Hope there insurance nails you to the wall. I have been hit by uninsured drivers more than once

John






come on mate no need to be like that no one is perfect. even the police make mistakes


I agree, the fact that you are not simply having a whinge about police or trying to make excuses shows maturity. Trust me I'm only 23 but have had far too many run ins with the police for my heavy foot (no I'm not a boy racer) but I can only blame myself everytime it has happened when I know full well what the consequences are for breaking the law.

Regarding the insurance thing, everyone should certainly be insured and you will no doubt have learnt your lesson (I hope!) but what you can expect in this situation is the owner of the other vehicle will be paid out or repaired by their insurance company, and the insurance company in turn will seek money from you. It may be that they are granted a court order for you to pay them back weekly as much as you can afford.


thanks mate i feel a lot better now after your post

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  Reply # 352490 16-Jul-2010 21:51
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I have NEVER understood why successive NZ Governments refuse to follow Australia's example & make third-party insurance compulsary (maybe because they are all self-serving tossers!) when registering a vehicle.

Here's one to think of: you are driving along the road, minding your own business. A car side-swipes you, writes off your car & the driver has no licence. You have no insurance, he has no licence: now there's karma. I know things are expensive, but not as much as you are finding out: a lesson learnt the hard way. It wasn't a Buggatti Veyron, was it?

Finally, ever seen  the "bad calls at intersections" ads. I guess you weren't paying attention. These aren't criticisms -well, OK, they are...but- most Humans make them. It's just the compounding aspect that really hurts. Driving is one area where experience does count. As long as the person has the integrity to learn & apply the lesson. I think you are one such.

I drive Auckland's roads more than most, due to my occupation. You wouldn't believe most of what I see some days. 80+ blatant red-light runners, most weekdays; that's just for starters. Don't get me started..............





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  Reply # 352494 16-Jul-2010 22:06
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1gkar: I have NEVER understood why successive NZ Governments refuse to follow Australia's example & make third-party insurance compulsary (maybe because they are all self-serving tossers!) when registering a vehicle.

Here's one to think of: you are driving along the road, minding your own business. A car side-swipes you, writes off your car & the driver has no licence. You have no insurance, he has no licence: now there's karma. I know things are expensive, but not as much as you are finding out: a lesson learnt the hard way. It wasn't a Buggatti Veyron, was it?

Finally, ever seen  the "bad calls at intersections" ads. I guess you weren't paying attention. These aren't criticisms -well, OK, they are...but- most Humans make them. It's just the compounding aspect that really hurts. Driving is one area where experience does count. As long as the person has the integrity to learn & apply the lesson. I think you are one such.

I drive Auckland's roads more than most, due to my occupation. You wouldn't believe most of what I see some days. 80+ blatant red-light runners, most weekdays; that's just for starters. Don't get me started..............



yes i have seen bad calls at intersections.  never mind i kinda feel like people are word bashing me for making a mistake. i got my questions answered im happy for this thread to be locked now.

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  Reply # 352495 16-Jul-2010 22:07
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Lockcode027: even the police make mistakes

They're not perfect, superhuman beings bred in special tanks. They're ordinary people doing an extraordinary job - far, far beyond the "norm" of human experience in some cases...

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  Reply # 353417 19-Jul-2010 14:36
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1gkar: I have NEVER understood why successive NZ Governments refuse to follow Australia's example & make third-party insurance compulsary (maybe because they are all self-serving tossers!) when registering a vehicle.


That will be because those that don't have insurance often don't have a WOF or registration either.

Compulsory insurance is just a scam by insurance companies to make money from a captive market, just the same as Kiwisaver.

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  Reply # 353573 19-Jul-2010 19:53
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In the UK police cars have ANPR (Automatic Number Plate Recognition) cameras linked to the police database to check whether the car is stolen, the licensing database to check whether the car is licensed and MOT'd (WOF'd) and insurance databases to check whether the car is insured.

So all the old Bill have to do is trundle around and their on-board computer alerts them any time it see a suspect car.

Big Brother certainly, but all bases are covered.

I don't know whether I like the idea, or loathe it!

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  Reply # 353633 19-Jul-2010 21:38
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LennonNZ: Ah. I see.. the demerit points are handled seperately and are worked out from the fine given from the police.



This has always bothered me. If the demerits are set to the infringement, then why on earth can't police tell you on the spot? Or at least in the following correspondence from them. Or even a separate letter from NZTA to confirm you have demerits.
Given the insurance implications of not completely disclosing your driving record, just 20 demerits matters!

I was not impressed by the procedure when I got pinged for failing to keep left (cutting corner). Of course I was at fault, not blaming the cop, just the enforcement system.

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  Reply # 353635 19-Jul-2010 21:40
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nickb800:
LennonNZ: Ah. I see.. the demerit points are handled seperately and are worked out from the fine given from the police.



This has always bothered me. If the demerits are set to the infringement, then why on earth can't police tell you on the spot? Or at least in the following correspondence from them. Or even a separate letter from NZTA to confirm you have demerits.
Given the insurance implications of not completely disclosing your driving record, just 20 demerits matters!

I was not impressed by the procedure when I got pinged for failing to keep left (cutting corner). Of course I was at fault, not blaming the cop, just the enforcement system.


I have a speeding ticket here 3 weeks old and it has the demerit points very clearly stated on it

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  Reply # 353636 19-Jul-2010 21:43
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johnr:
nickb800:
LennonNZ: Ah. I see.. the demerit points are handled seperately and are worked out from the fine given from the police.



This has always bothered me. If the demerits are set to the infringement, then why on earth can't police tell you on the spot? Or at least in the following correspondence from them. Or even a separate letter from NZTA to confirm you have demerits.
Given the insurance implications of not completely disclosing your driving record, just 20 demerits matters!

I was not impressed by the procedure when I got pinged for failing to keep left (cutting corner). Of course I was at fault, not blaming the cop, just the enforcement system.


I have a speeding ticket here 3 weeks old and it has the demerit points very clearly stated on it


Mine didnt at all, and iirc it didnt have a field for demerits either. This was November last year.

It may have had a table on the back listing the demerits corresponding to different speeds (i think), but certainly not for other offences.

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  Reply # 353648 19-Jul-2010 21:54
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There isn't a specific box for demerit points in traffic tickets as not all infringements carry demerits - at least there wasn't when I last saw a ticket 6 or 7 years ago.  Some cops will write the demerits on there, some won't.  They don't have to.

On that note, some may not know whether specific infringements carry demerits or not.  The books they carry to advise them of correct infringement wording and offence codes doesn't list demerits either - only fine amounts.

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