Just been crashed into but I have no WOF or rego - what do I do?

[seven]

Hi, someone crashed into me about an hour ago. I was at a stop sign and they cut the corner and went straight into me. Fortunately I'm ok, but the forks on the scooter are bent - I'm not sure about the frame. The problem is that scooter's rego was on hold and no WOF ( the scooter was off the road - I was just taking it around the block to turn the engine over).
Should I try to sort it out directly with the person involved or seek insurance through their company?
Note: I do not have insurance. Their car is fine. They seem like alright people.

Any ideas welcome.

[Crasherfromwayback]

To get any money from their insurance company you'll need to involve the police, or at the very least have them sign something admitting liability. It won't matter that your scooter is not registered or wofed as far as their insurance having to fix your bike.

[Milts]

There was recently another thread on this exact topic which went on at length, you may want to check it out.

http://www.kiwibiker.co.nz/forums/showthread.php/138549-F-K-my-life.-Another-crash.-I-need-your-advice.

[kiwifruit]

See if you can settle it with the people without going thru their insurance

[The Pastor]

you'll be sweet, they are in the wrong and will have to fix ur mean ride.

[Ferkletastic]

See if you can settle it with the people without going thru their insurance

As per the other thread no involve their insurance.

The lack of wof or rego is immaterial to the accident in this case as far as NZ insurance law is concerned.

[scumdog]

What's your address?
I'll post you the $350 worth of tickets for your no WOF or Reg, saves bothering to inform the copss about your crash.

And I await with bated breath to see how 'nice' these peole that crashed into yuou really are when t comes to their insurance claim to pay for the damage to your scoot.

(If they were really nice they woudn't be driving - seeing as how they can't see your scooter as they cut a corner, bugger sharing the roads with 'tards like that)

[Crasherfromwayback]

What's your address?
I'll post you the $350 worth of tickets for your no WOF or Reg, saves bothering to inform the copss about your crash.



If the scooter is worth 2k or so, I'd happily take your cunting tickets yet get the bike repaired/replaced. Big nice helpful policeman.

[avgas]

Get any scars?
If not it wasn't a crash, it was a pussy slide.

[scumdog]

If the scooter is worth 2k or so, I'd happily take your cunting tickets yet get the bike repaired/replaced. Big nice helpful policeman.


:woohoo::killingme:rofl::whistle:

[Scuba_Steve]

What's your address?
I'll post you the $350 worth of tickets for your no WOF or Reg, saves bothering to inform the copss about your crash.


350$??? when did it go down??? thats a 50$ saving off last I had an encounter with one of your gang members for that.

[Voltaire]

As per the other thread no involve their insurance.

The lack of wof or rego is immaterial to the accident in this case as far as NZ insurance law is concerned.

Playing Devils Advocate for a minute: Curious to how having no WOF and Registration and being on the road works. If I was driving the car I'd be taking the view that the other vehicle should not have been on the road and from my dealings with insurance companies they like avoiding paying claims. With Rego on hold you can't even say " I didn't realize its run out".

[Crasherfromwayback]

Playing Devils Advocate for a minute: Curious to how having no WOF and Registration and being on the road works. If I was driving the car I'd be taking the view that the other vehicle should not have been on the road and from my dealings with insurance companies they like avoiding paying claims. With Rego on hold you can't even say " I didn't realize its run out".

Read the other thread and you'll find out mate.

[Maha]

Sucks to be you right about now.

[DrunkenMistake]

What's your address?
I'll post you the $350 worth of tickets for your no WOF or Reg, saves bothering to inform the copss about your crash.

And I await with bated breath to see how 'nice' these peole that crashed into yuou really are when t comes to their insurance claim to pay for the damage to your scoot.

(If they were really nice they woudn't be driving - seeing as how they can't see your scooter as they cut a corner, bugger sharing the roads with 'tards like that)

What if he gives you a hug scummy? Will HE get off it? cause im claiming discrimination if thats the case.. Haha

[Voltaire]

Read the other thread and you'll find out mate.

Cheers, interesting how insurance works here.

[Crasherfromwayback]

Cheers, interesting how insurance works here.

No worries. I guess it's only fair though, when not having a wof or reg has nothing to do with the other dickhead smashing into you.

[kiwifruit]

No worries. I guess it's only fair though, when not having a wof or reg has nothing to do with the other dickhead smashing into you.

Not having a reg and wof means he shouldn't have been on the road for someone to crash into.

[FJRider]

I was just taking it ...

Any ideas welcome.

Directly to a place of (prearranged) repair ... should be your defence ...

[EJK]

A thread like this requires the missing tag :corn:

[Muppet]

It was said before, people are always nice at the time, but they get advice from 'bush' lawyers and suddenly don't want to play ball anymore. Word of advice to everyone; if involved in a crash call police even if the party at fault says they are to blame and will pay out etc etc

[porky]

Directly to a place of (prearranged) repair ... should be your defence ...

or to get a WOF... so you can then take the vehicle off excemption. (i cant find my policy but i am sure the fine print raves on about illegal activities etc etc. I have always assumed illegal to be runnning around on a bike with no WOF and on hold. So i am a little bit interested in these comments from others stating that a WOF and Rego are not required to make a claim. Insurers are tight arsed bastards and while i concede no wof or rego isnt in the same league as rape or murder, it still fucking with the system.)

[Hitcher]

Call me old fashioned, but knowingly riding an unroadworthy, unregistered vehicle isn't particularly clever, indeed I suspect that it's probably illegal.

Then getting involved in something that wasn't "your fault" adds an interesting dimension to the above scenario. If you can win over the driver of the other vehicle and get them to reimburse you for the repair of your unwarranted, unroadworthy vehicle that you had no business riding on the Queen's highway, then very well done. Very well done indeed.

I suspect that this situation could have been a lot different if there had been material damage to the other vehicle or even a resultant injury or death. But then that may not have been your "fault" either and you could have walked away Scot free.

[jaffaonajappa]

you had no business riding on the Queen's highway

1. It is NOT the Queens highway. If you don't believe me - ask our newly re-elected MP...Hone.
2. I think you are bloody old fashioned!
3. I still cannot get my spell check thingamajig to work proppa.

[MarkH]

Playing Devils Advocate for a minute: Curious to how having no WOF and Registration and being on the road works. If I was driving the car I'd be taking the view that the other vehicle should not have been on the road and from my dealings with insurance companies they like avoiding paying claims. With Rego on hold you can't even say " I didn't realize its run out".

Fortunately we live in a society where it is NOT OK to run into other vehicles, even it they technically are not entitled to be on the road at the time. The police are free to ticket anyone they catch for using a vehicle on the road with no rego or WoF ($200 fine for each offence - $400 total) but the car driver is still responsible for driving into a stationary vehicle and damaging it.

[Crasherfromwayback]

Not having a reg and wof means he shouldn't have been on the road for someone to crash into.

Maybe so. But it didn't make the fucker invisable did it now? Ever seen a wof or rego on a push bike? So if the retard in the car drove into a bycicle it'd be different how?

The fuckhead in the car must pay.

[kiwifruit]

Maybe so. But it didn't make the fucker invisable did it now? Ever seen a wof or rego on a push bike? So if the retard in the car drove into a bycicle it'd be different how?

The fuckhead in the car must pay.

Yeah, the law is an arse alright but the law is the law. If the driver was to take it to court they'd have a pretty strong case i'd hazard

[Crasherfromwayback]

Yeah, the law is an arse alright but the law is the law. If the driver was to take it to court they'd have a pretty strong case i'd hazard

Sure is. But I can assure you...the driver is at fault and it's all been done before.

[Oleg]

Hey mate. just went throught the same nightmare. Have a look throught my thread.
http://www.kiwibiker.co.nz/forums/showthread.php/138549-F-K-my-life.-Another-crash.-I-need-your-advice./page1
Cut the long story short WOF doesnt matter, if it's absence didnt cause the accident. Same story with me. If anyone gona tell you that your story is a dead end and you r fucked - tell them to fuck off. I've dealt directly with insurance, and everything went smooth as. the main thing is to make sure that the person accepted liability. if they did - you gonna be fine.
What to do:
1. get your bike to repair shop (haldanes for me)
2. Get them to do an assessment.
3. Send the assessment sheet to insurance.
4. Their assessor will do an appraisal
5. negotiate the payout.
points to note:
Make sure they raise the claim straight away with no delays.
Persistence is the key here. Keep plugging the insurance company for actions.
Do not mention the WOF if u not being asked about it. If asked - tell em it's not relevant to the crash, as it didnt have an effect on the outcome.
Many more points, but dont have time to describe all of it.
I've done it all and cheque is in the mail. I've also been in constant contact with my lawyer, what made it much easier for me.
As i said, read through my thread. a few haters there, but never mind for them. There are some really helpfull comments there.
Feel absolutely free to get me on my mobile and i will take you through what to do.
021 431 801

[Crasherfromwayback]

And there folks...was the horses mouth speaking.

[kiwifruit]

Sure is. But I can assure you...the driver is at fault and it's all been done before.

I shall take your word Sir if you let me take a FXDWD out for a day to test ride!

[Ronin]

And there folks...was the horses mouth speaking.

The horses mouth is on vodafone. Must be why it doesn't speak up more often.

[Oleg]

The horses mouth is on vodafone. Must be why it doesn't speak up more often.

Lol. Im always here reading, just feeling a bit awkward about posting . Dont even ask why.

[Crasherfromwayback]

I shall take your word Sir if you let me take a FXDWD out for a day to test ride!

If you mean FXDWG (bloody HD and their letters), sure. We've got a 103" demo here that honks.

[scumdog]

350$??? when did it go down??? thats a 50$ saving off last I had an encounter with one of your gang members for that.

C'mon, get with the times Steve - you obviously aren't bad enough or you would have been up with the play from being stopped on a regular basis!

No WOF: $200
Rego on Hold: $150 + DEMERITS

[Scuba_Steve]

C'mon, get with the times Steve - you obviously aren't bad enough or you would have been up with the play from being stopped on a regular basis!

No WOF: $200
Rego on Hold: $150 + DEMERITS

yea I must admit it's been awhile since I've been hassled by the Police gang members for no reg/WOF (tho I do give them a chance with the WOF 6mths every year) Rego's usually up-to-date.

[avgas]

Lol. Im always here reading, just feeling a bit awkward about posting . Dont even ask why.
Keyboard malfunction?
Your digits fight a battle between good and evil every day?
Or
internet porn?

Don't worry those were rhetorical questions - we won't ask you directly. Let the people decide.
What say you people - why does he feel awkward posting?

[Oleg]

Keyboard malfunction?
Your digits fight a battle between good and evil every day?
Or
internet porn?

Don't worry those were rhetorical questions - we won't ask you directly. Let the people decide.
What say you people - why does he feel awkward posting?

Dont go further than porn. Right hand is numb most of the time... That a primary reason.
Secondary reason, is that i still barely speak the language.

[Scuba_Steve]

Secondary reason, is that i still barely speak the language.

What, the interweb language??? I don't think anyone really knows how to speak it (or write it) it just happens :yes:

but I guess it wasn't Scriptophobia then

[Oleg]

What, the interweb language??? I don't think anyone really knows how to speak it (or write it) it just happens :yes:

but I guess it wasn't Scriptophobia then

Me no speak English. Me iz Ruski.

[Katman]

Me no speak English.

You appear to have a better grasp of it than 90% of the others on here.

[rastuscat]

It was said before, people are always nice at the time, but they get advice from 'bush' lawyers......................

..........................the bush lawyers are mainly members of an internet forum. Like, KB, for example.

DOH !!

[rossirep]

i would have thought sadly you were in the wrong and shouldnt have been on the road in the 1st place and their insurance company wouldnt pay you a cent for that reason,

so id be thinking you best beat is to try and get the coin off the people and dont say anything about no reg or wof,

[Luckylegs]

You appear to have a better grasp of it than 90% of the others on here.


i would have thought sadly you were in the wrong and shouldnt have been on the road in the 1st place and their insurance company wouldnt pay you a cent for that reason,

so id be thinking you best beat is to try and get the coin off the people and dont say anything about no reg or wof,

See!



1 10th of 100 characters !!!!

[Voltaire]

So my understanding of this is:

You need a current WOF and Rego to drive/ ride on New Zealand Roads.I think it has something to do with keeping dangerous vehicles off the road. If the Police catch you they fine you and/or you get demerit points.

But if you haven't and your in an accident and its not your fault and you don't have insurance and the lack of WOF did not contribute your sweet...

So what is the point of a WOF then?:facepalm:

[MarkH]

So what is the point of a WOF then?:facepalm:

Well, it saves you the $400 fine that the police or parking wardens will give you for no WoF, no Reg.
But people that fuck up and drive into you are not entitled to shrug their shoulders and walk away from facing the consequences of their fuck-up just because you haven't got a Wof or rego.

[Voltaire]

Well, it saves you the $400 fine that the police or parking wardens will give you for no WoF, no Reg.
But people that fuck up and drive into you are not entitled to shrug their shoulders and walk away from facing the consequences of their fuck-up just because you haven't got a Wof or rego.

What happens in same situation if say the scooter rider suffered an injury, whats his ACC status? :scratch:

[FJRider]

What happens in same situation if say the scooter rider suffered an injury, whats his ACC status? :scratch:

ACC is "NO FAULT" cover ... and it IS possibl for Police to charge BOTH parties in this case ... for separate offences ...

Causing an injury accident is frowned on by the enforcers ...

AND...

ANOTHER MOTORCYCLE ACCIDENT ADDED TO THE STATISTIC'S ...

well done ...

[Voltaire]

ACC is "NO FAULT" cover ... and it IS possibl for Police to charge BOTH parties in this case ... for separate offences ...

Causing an injury accident is frowned on by the enforcers ...

AND...

ANOTHER MOTORCYCLE ACCIDENT ADDED TO THE STATISTIC'S ...

well done ...

I meant that if your Rego is not current do you have ACC cover?
Logic would suggest that if you have no rego your not covered by ACC....

[Bald Eagle]

I meant that if your Rego is not current do you have ACC cover?
Logic would suggest that if you have no rego your not covered by ACC....

Logic has nothing to do with ACC cover, nor does rego, all the off road unreg accidents and unregistered rugby players get covered regardless. :facepalm:

[NordieBoy]

I meant that if your Rego is not current do you have ACC cover?
Logic would suggest that if you have no rego your not covered by ACC....

Logic would be wrong.

[jellywrestler]

I meant that if your Rego is not current do you have ACC cover?
Logic would suggest that if you have no rego your not covered by ACC....
a prisoner breaking their leg escaping from prison is covered by ACC! and yes that's happened more than once.

[Parlane]

People seem to assume that if you have a WOF your vehicle has a right to be on the road, this is not the case.

A WOF just says, at XX/YY/ZZZZ your vehicle was at a road worthy standard. If your vehicle brakes wear down after this point before your next WOF, your vehicle is no longer in a road worthy condition.

WOF infringement fines are to make sure people keep their vehicle in road worthy condition. 6 months is normally short enough to pick up on things like brake pad wear etc.

You can be ticketed even if you have a current WOF for your car/bike being in a non-roadworthy condition.

I really wish people would stop giving advice like "talk to the person directly, get as much cash as you can and get out of there!".

If it was your fault, you are fucked. If it was there fault, they are. That is how our law works, and I am proud of that.

[Oleg]

People seem to assume that if you have a WOF your vehicle has a right to be on the road, this is not the case.

A WOF just says, at XX/YY/ZZZZ your vehicle was at a road worthy standard. If your vehicle brakes wear down after this point before your next WOF, your vehicle is no longer in a road worthy condition.

WOF infringement fines are to make sure people keep their vehicle in road worthy condition. 6 months is normally short enough to pick up on things like brake pad wear etc.

You can be ticketed even if you have a current WOF for your car/bike being in a non-roadworthy condition.

I really wish people would stop giving advice like "talk to the person directly, get as much cash as you can and get out of there!".

If it was your fault, you are fucked. If it was there fault, they are. That is how our law works, and I am proud of that.

^Pretty much what he said.

[Crasherfromwayback]

a prisoner breaking their leg escaping from prison is covered by ACC! and yes that's happened more than once.

Not any more they're not matey. 'That' incident caused such an outrage (as it should), that you no longer receive acc help if the injury is done doing a criminal act.

[MarkH]

Logic would be wrong.

Yep, that's our ACC!

[Parlane]

Not any more they're not matey. 'That' incident caused such an outrage (as it should), that you no longer receive acc help if the injury is done doing a criminal act.

Is running a red light a criminal act? Or just a traffic infringement ? Is there a difference?

[Crasherfromwayback]

Is running a red light a criminal act? Or just a traffic infringement ? Is there a difference?

I would've thought simply a traffic infringement unless you were charged with dangerous driving, which is a criminal offence I believe?

[Scuba_Steve]

me no speak english. Me iz ruski.

В таком случае, добро пожаловать товарищ

ps Я не говорю по Руски, я просто работать с несколькими

[Mystic13]

I'd also say that you were heading in to get a warrant so you could register it. Which of course you won't do now due to damage. I'm generally aware of where I was going for a warrant in case I get stopped.

Other than that follow everyone else's opinions.

:)

[Oleg]

В таком случае, добро пожаловать товарищ

ps Я не говорю по Руски, я просто работать с несколькими


Bhahahaha... Classy. Thank you very much sir:) ... also brilliant pronunciation. Almost no accent. Good effort!

[Parlane]

Wow, google translate translated that amazingly well :|

[rossirep]

What happens in same situation if say the scooter rider suffered an injury, whats his ACC status? :scratch:

acc is a no fault system ,so no matter what your doing acc will cover you..