Hit by a car

[Donut]

Was going down avalon drive in hamilton when a car pulled out from a side road and hit me side on, they said that they didnt see me :( the bike is pretty much stuffed car not so bad and i got a sore ass from flying thru the air and landing on it.

neither me or them had insurance :( am yet to find out if they are willing to pay for damages or if im goin to have to take them to court over it

[sunhuntin]

not too sore i hope?

damn blind ass cagers... im bettin they refuse to pay out, and chances are it wont be worth going to court over. :mad:

[firefighter]

Another good reason for compulsary third party.Fu*kn bastards make them sell their car to pay for it.......if not get feral!

[Ragingrob]

Comprehensive insurance is like $140 a year, that aint much.

[CB ARGH]

Threaten to take them to court. This usually makes them think... ohhh shit.

Bad luck mate, hope all is well. :(

[mowgli]

That sucks. Don't back down. Good luck

[portokiwi]

Keep the pressure on them. The main thing is that you are ok.
How is the bike?
The drunk taxi driver that hit me many years ago didnt have insurance I went to cort and ended up getting $10.00 a month. Even then It took allmost 6 months to get anything from him.... Worse of nothing happend to him as driving a taxi was his income so he got a worning me no bike.

[Gubb]

Make sure the cops are notified.

[scumdog]

Make sure the cops are notified.


Wot 'e sed.

It could all end in tears when the car driver tries to claim you were pisse/speedin or whatever and therefore not his fault.

[fireball]

i bet paying the 10 bucks a week for insurance is looking good now.....

sucks buddy but glad youre ok now call the cops and keep the pressure on them to pay for the fix good luck..

[Warr]

Thats not too good at all.
So will you be busing it now :)

[DarkLord]

Sorry to hear that man. Good luck with getting this sorted out. If you do end up getting another bike I would strongly recommend insurance. I wrote my bike off and totaled a car a few months back but insurance covered both me and them.

Keep us posted.

[ozrobo]

gutted eh i think organising insuranse on newer bikes is essential you i doubt they will cough up the money if they dont pay go to court with the neck brace and blacken your eyes for the sympathy vote then :girlfight:

[Roki_nz]

Comprehensive insurance is like $140 a year, that aint much.

So who quoted you that cos thats cheap

Btw Take them to court and i hope you called the police

[Ragingrob]

So who quoted you that cos thats cheap

Btw Take them to court and i hope you called the police

State. Yep just checked to make sure, $140.70 for 12 months full comprehensive motorcycle insurance. Excess of $400, plus $700 if under the age of 21.

[CB ARGH]

State. Yep just checked to make sure, $140.70 for 12 months full comprehensive motorcycle insurance. Excess of $400, plus $700 if under the age of 21.

That's cheap mate. How would I go about getting insurance then? They say that they don't insure when the owner is a learner rider... how on earth am I meant to get insurance? :bye:

[imdying]

Another good reason for compulsary third party.Fu*kn bastards make them sell their car to pay for it.......if not get feral!Waste of time... compulsory or not, they could still not have it. Cover your own arse :yes:

[PirateJafa]

Yeah, bike valued to what though, and what license? $1,100 excess is a lot. (400+700 for those who are <21.)

Most new riders are looking at well over that.

[Ragingrob]

That's cheap mate. How would I go about getting insurance then? They say that they don't insure when the owner is a learner rider... how on earth am I meant to get insurance? :bye:

Hmmm you don't have your car license either? All they asked me was how long have you had your NZ driver license, any kind, and I said I've had my full car license for 4 years and that's all they wanted. Didn't ask for motorcycle specific lol.

[vindy500]

That's cheap mate. How would I go about getting insurance then? They say that they don't insure when the owner is a learner rider... how on earth am I meant to get insurance? :bye:

are u on ur full car licence?

[Candle]

it shouldent matter wat licence you on just go to a bike shop and get then to hook you up unless you rideing a rite pice of crap then dont wory bout it but still go into a shop and ask they hook you up

[marty]

it shouldent matter wat licence you on just go to a bike shop and get then to hook you up unless you rideing a rite pice of crap then dont wory bout it but still go into a shop and ask they hook you up


and THAT is the best advice anyone has ever given.

[CookMySock]

nothing happend to him as driving a taxi was his income so he got a worning me no bike.Don't be a softcock.. take your angry biker mates around there and tell him to start talking sense, or start off with smashing his fucking telly, coining his car etc... He will get the message.



They say that they don't insure when the owner is a learner rider... how on earth am I meant to get insurance?Ah well, you will have to be careful ay.. ;)


DB

[Nagash]

Exactly what happened to me a wee while back...

I got t-boned, neither of us insured.

I'm still trying to get the money out of him..

Go to the police, most important advice. Then take him to court if he starts trying to buy time or whatever.

I feel for yah mate.. i'm in the exact same situation.

[Grub]

Waste of time... compulsory or not, they could still not have it. Cover your own arse :yes:

Compulsory Third Party Insurance is part of the Registration Fee (as it was in the 70's). It was carried by State Insurance as I recall.

[Squiggles]

That's cheap mate. How would I go about getting insurance then? They say that they don't insure when the owner is a learner rider... how on earth am I meant to get insurance? :bye:

I went to AMI, they said that, i told them the family has all our policy's with them (house, contents, cars + bikes) and we'd simply find someone else. They changed tune, and insured me to ride an RGV250 , 4 years later and i've still to make a claim... safer rather than sorry

[rie]

That's cheap mate. How would I go about getting insurance then? They say that they don't insure when the owner is a learner rider... how on earth am I meant to get insurance? :bye:

call them up and say how many years you've had a car licence (ages) and how many accidents you've had in a car (none). state will change your insurance profile to say you're on your restricted MC licence for insurance purposes.

mine was actually $250 a year though. huge excess as well. i'm glad i have it though - in a thunderstorm your life has no value so long as cagers make it home in time for dinner.

[howdamnhard]

[QUOTE=firefighter;1623546]Another good reason for compulsary third party.
AGREED! Hope your OK.Good luck getting your bike sorted out.

[PirateJafa]

I went to AMI, they said that, i told them the family has all our policy's with them (house, contents, cars + bikes) and we'd simply find someone else. They changed tune, and insured me to ride an RGV250 , 4 years later and i've still to make a claim... safer rather than sorry

Only because you're smart and always crash your GNs! :niceone:

[ital916]

call them up and say how many years you've had a car licence (ages) and how many accidents you've had in a car (none). state will change your insurance profile to say you're on your restricted MC licence for insurance purposes.

mine was actually $250 a year though. huge excess as well. i'm glad i have it though - in a thunderstorm your life has no value so long as cagers make it home in time for dinner.

Thats a nice way to fork out money for no cover. Insurance covers their ass by
by stating that if they find anything false then your cover will be terminated. If you have say you have a rest mc but only a learners...no payment, if you stated only your car details like in robs case..no cover etc. When I got insurance they asked a lot of questions, I was warned a billion times about falsities and all sorts of other crap. I rang state, under 25 is the age they do not under 21, your looking at 1500 dollar excess for a learner/restricted with 500 roughly premium. Not cheap. I have rung a lot of insurance companies believe me, I'm forking fuckloads out for comprehensive insurance.

What grinds my gears though is how 90% of motorcycle accidents will be rider at fault as a lot of the time no one else is involved i.e we hit oil and low side, slippery corner we low side, ice we low side, diesel ad you highside it, tire blowouts then crash etc. You can't judge a motorcycle with the same rules as you judge a car *cars don't fall over on as easily*. There should be different rules and stipulations where even if there wasn't another party, if evidence if given of an anomaly out of your control happened, then you are not at fault.

Cop out for the insurance company in my view. Especially with learners when they're like, that'll be 1500 bucks please....but your bike is worth only 3, and the remaining 1500 gets devalued cos they ring tim-bak-fucking-too to get a price so you end up with like 500 bucks in hand.

Sorry...rant over.

Hope you get better mate. Ring the police! Tell them. It will help you. If an accident ever occurs, ring the police..always.

[Ragingrob]

Thats a nice way to fork out money for no cover. Insurance covers their ass by
by stating that if they find anything false then your cover will be terminated. If you have say you have a rest mc but only a learners...no payment, if you stated only your car details like in robs case..no cover etc. When I got insurance they asked a lot of questions, I was warned a billion times about falsities and all sorts of other crap. I rang state, under 25 is the age they do not under 21, your looking at 1500 dollar excess for a learner/restricted with 500 roughly premium. Not cheap. I have rung a lot of insurance companies believe me, I'm forking fuckloads out for comprehensive insurance.

What grinds my gears though is how 90% of motorcycle accidents will be rider at fault as a lot of the time no one else is involved i.e we hit oil and low side, slippery corner we low side, ice we low side, diesel ad you highside it, tire blowouts then crash etc. You can't judge a motorcycle with the same rules as you judge a car *cars don't fall over on as easily*. There should be different rules and stipulations where even if there wasn't another party, if evidence if given of an anomaly out of your control happened, then you are not at fault.

Cop out for the insurance company in my view. Especially with learners when they're like, that'll be 1500 bucks please....but your bike is worth only 3, and the remaining 1500 gets devalued cos they ring tim-bak-fucking-too to get a price so you end up with like 500 bucks in hand.

Sorry...rant over.

Hope you get better mate. Ring the police! Tell them. It will help you. If an accident ever occurs, ring the police..always.

OK... Drider...

So when they ask me, "How long have you had a NZ drivers license?", and I say "MC or any kind?", and they say "Any kind?", and I say "Car full for 4 years, but have only just got my MC learners", and they say "Oh we just need to know the first bit"... You're telling me I have no cover? Haha fuck off! You think I'm a dumbass or something? Yes of course I told them my MC license but that's neither what they asked for nor what they apparently needed.

Second point, I was looking at my STATE insurance policy when I typed this up, and the excess clearly "states" under 21 for being the extra $700. I would not just pull this shit outta my mouth, I like to know I'm speaking truths too. Not everyone else is wrong just because you've got an opinion on something. But thisn't even based on opinion, it's based on fact, and you're wrong.. Unless it's randomly changed to 25 over the past few months but I doubt that. Last time I checked, 21-24 year olds inclusive was an excess of $400. So that makes $800 excess.

I was paying $140 a year, with $1,100 excess due to my age, on a GN only valued at $2,200. Now on my CBR I valued it at 3 grand and I think it bumped up to $160 or something.

So, $160 premium, with either a $400, $800, or $1,100 excess sounds pretty damn good to me. As I'm not planning to cause a crash, I'm not planning to have to pay an excess so going with a low premium is ideal.

Maybe they just ask extra questions and charge more to people who have crashed before. Just as you'd expect them to.

[rie]

Thats a nice way to fork out money for no cover.

actually it states in my cover that i am an MC Learner but that I have been granted COVER EQUIVALENT to an MC Restricted because of my driving experience. that is what it means when i say "restricted for purposes of insurance"

it's a very rude assumption to say people would ignorantly "fork out money" to defraud an insurance company when i was legitimately saying it was possible.

perhaps your driving record didn't impress state. in any case i don't know why they wouldn't give you cover. but definitely not worth getting your panties in a knot on a forum :mellow:

[sinfull]

State. Yep just checked to make sure, $140.70 for 12 months full comprehensive motorcycle insurance. Excess of $400, plus $700 if under the age of 21.

I wish !!!!

[Ragingrob]

I wish !!!!

Lol well yep that's what I'm paying and my State insurance cover policy has got it all down in writing :p

Just about to ring up and see what it's gonna be costing me to insurance a VFR400r worth $4,000. Will be interesting!

[sinfull]

Lol well yep that's what I'm paying and my State insurance cover policy has got it all down in writing :p

Just about to ring up and see what it's gonna be costing me to insurance a VFR400r worth $4,000. Will be interesting!

Well if ya add about .80c per cc you might just about hit it bang on !

[Ragingrob]

Alright guys, well I'm another one to say big ups to Dave at Kiwibike!

Here's the handout :

20yr old male.
Restricted license with CC exemption.
No crashes or criminal history ever.
1990 Honda VFR400r valued $4,000.

Now insured with NAC through Kiwibike.
$446 per annum.
$800 excess.

Put that in your pipe and smoke it.

:woohoo:

EDIT : By the way, I had to change as State would not insure over 250cc for under 25yr olds.

[bungbung]

Now insured with NAC through Kiwibike.
$446 per annum.
$800 excess.


Is that like the NAC car policy where you have to pay another $800 excess if there is a third party claiming?

E.g. rear end a car, $800 excess for bike and $800 for the car

[Ragingrob]

Is that like the NAC car policy where you have to pay another $800 excess if there is a third party claiming?

E.g. rear end a car, $800 excess for bike and $800 for the car

I wouldn't have thought so but I guess I will see when I received the entire policy in the mail. Surely they would have mentioned that when signing someone up to it, otherwise it's kinda withholding information!

[bungbung]

Check the policy carefully. I got a nasty suprise from that with a car claim.

[Ragingrob]

Check the policy carefully. I got a nasty suprise from that with a car claim.

Will do, cheers for the heads up.

[Roki_nz]

State. Yep just checked to make sure, $140.70 for 12 months full comprehensive motorcycle insurance. Excess of $400, plus $700 if under the age of 21.


Take it thats with your full not your learners

[Ragingrob]

Take it thats with your full not your learners

As I've said in my posts, that was on my learners, a detail they did not worry about as they only wanted to know how long I've been on the roads with any kinda license.

[Roki_nz]

Yeah i replyed before reading the other posts. When i went on their web site and got a quote it said they would not insure me as i was a learner rider. I guess i will have to call up and try my luck

[Ragingrob]

Yeah i replyed before reading the other posts. When i went on their web site and got a quote it said they would not insure me as i was a learner rider. I guess i will have to call up and try my luck

Oh yeah, hmmm from my experience quotes have differed from the online quote to the phone quote. State insured me on the basis of my years of driving, have you got a car license?

Give Kiwibike.co.nz a try, talk to Dave, awesome guy.

[ital916]

OK... Drider...

So when they ask me, "How long have you had a NZ drivers license?", and I say "MC or any kind?", and they say "Any kind?", and I say "Car full for 4 years, but have only just got my MC learners", and they say "Oh we just need to know the first bit"... You're telling me I have no cover? Haha fuck off! You think I'm a dumbass or something? Yes of course I told them my MC license but that's neither what they asked for nor what they apparently needed.

Second point, I was looking at my STATE insurance policy when I typed this up, and the excess clearly "states" under 21 for being the extra $700. I would not just pull this shit outta my mouth, I like to know I'm speaking truths too. Not everyone else is wrong just because you've got an opinion on something. But thisn't even based on opinion, it's based on fact, and you're wrong.. Unless it's randomly changed to 25 over the past few months but I doubt that. Last time I checked, 21-24 year olds inclusive was an excess of $400. So that makes $800 excess.

I was paying $140 a year, with $1,100 excess due to my age, on a GN only valued at $2,200. Now on my CBR I valued it at 3 grand and I think it bumped up to $160 or something.

So, $160 premium, with either a $400, $800, or $1,100 excess sounds pretty damn good to me. As I'm not planning to cause a crash, I'm not planning to have to pay an excess so going with a low premium is ideal.

Maybe they just ask extra questions and charge more to people who have crashed before. Just as you'd expect them to.

Rob...mate...i didn't pull facts out of my ass. I have rung and checked and double checked figures with nearly all motorcycle insurance companies in auckland. I have had more insurance woes than you, now if they said that to you, good for you. I was merely stating that people have to be carefulk how they state facts to an insurance company as they can turn around and screw you over.

I's good your getting a good deal, but you can't just rattle off your policy and expect new riders to get the same deal or ask for it.

I wasn't getting agro at you so don't get agro with me. It wasn't an opinion, I have quotes from when I first got my motorcycle insurance stating under 25 etc, maybe you got lucky.

"I would not just pull this shit outta my mouth, I like to know I'm speaking truths too. Not everyone else is wrong just because you've got an opinion on something. But thisn't even based on opinion, it's based on fact, and you're wrong." - Rob Norris as name calling is a bad bad thing.

[Ragingrob]

Rob...mate...i didn't pull facts out of my ass. I have rung and checked and double checked figures with nearly all motorcycle insurance companies in auckland. I have had more insurance woes than you, now if they said that to you, good for you. I was merely stating that people have to be carefulk how they state facts to an insurance company as they can turn around and screw you over.

I's good your getting a good deal, but you can't just rattle off your policy and expect new riders to get the same deal or ask for it.

I wasn't getting agro at you so don't get agro with me. It wasn't an opinion, I have quotes from when I first got my motorcycle insurance stating under 25 etc, maybe you got lucky.

"I would not just pull this shit outta my mouth, I like to know I'm speaking truths too. Not everyone else is wrong just because you've got an opinion on something. But thisn't even based on opinion, it's based on fact, and you're wrong." - Rob "the ginger turd"

The only thing that pissed me off was the fact that you nullified my comments.

EDIT : Bah, can't be bothered arguing with you, again. I dunno why you called me a "ginger turd" though? I am neither ginger, nor did I do anything to deserve being called a turd. I thought name calling finished when I left primary school, oh and I learnt what colour ginger was way back in kindy :niceone:

[ital916]

The only thing that pissed me off was the fact that you nullified my comments.

EDIT : Bah, can't be bothered arguing with you, again. I dunno why you called me a "ginger turd" though? I am neither ginger, nor did I do anything to deserve being called a turd. I thought name calling finished when I left primary school, oh and I learnt what colour ginger was way back in kindy :niceone:

Cos you were being a dick, by starting an argument again, I take it back then your just rob norris. I didn't mean to nullify your comment but take a chill. Name calling is neither petty nor bad, it is a past-time carried out by many. People grow up way too quickly.

Mature conversation is nice and all but some times you just need some degenerate name calling and stone throwing. Have fun on your viffer, don't root the spark plugs, they cost a pretty penny.

[Ragingrob]

Cos you were being a dick, by starting an argument again, I take it back then your just rob norris. I didn't mean to nullify your comment but take a chill. Name calling is neither petty nor bad, it is a past-time carried out by many. People grow up way too quickly.

Mature conversation is nice and all but some times you just need some degenerate name calling and stone throwing. Have fun on your viffer, don't root the spark plugs, they cost a pretty penny.

Lol and here you go continuing it... :niceone:

:corn: Better than tv!

[PirateJafa]

Thats a nice way to fork out money for no cover. Insurance covers their ass by
by stating that if they find anything false then your cover will be terminated. If you have say you have a rest mc but only a learners...no payment, if you stated only your car details like in robs case..no cover etc. When I got insurance they asked a lot of questions, I was warned a billion times about falsities and all sorts of other crap. I rang state, under 25 is the age they do not under 21, your looking at 1500 dollar excess for a learner/restricted with 500 roughly premium. Not cheap. I have rung a lot of insurance companies believe me, I'm forking fuckloads out for comprehensive insurance.

What grinds my gears though is how 90% of motorcycle accidents will be rider at fault as a lot of the time no one else is involved i.e we hit oil and low side, slippery corner we low side, ice we low side, diesel ad you highside it, tire blowouts then crash etc. You can't judge a motorcycle with the same rules as you judge a car *cars don't fall over on as easily*. There should be different rules and stipulations where even if there wasn't another party, if evidence if given of an anomaly out of your control happened, then you are not at fault.

Cop out for the insurance company in my view. Especially with learners when they're like, that'll be 1500 bucks please....but your bike is worth only 3, and the remaining 1500 gets devalued cos they ring tim-bak-fucking-too to get a price so you end up with like 500 bucks in hand.

Sorry...rant over.

Hope you get better mate. Ring the police! Tell them. It will help you. If an accident ever occurs, ring the police..always.

Or you could always pay the same premium, for a policy with a lower excess, a higher bike value, and when you crash it with it being your own fault and write off the bike, the company pays up quickly and to the maximum value of the policy.

That was for a teenager with a 6L license they'd had for two days, a restricted car license which they didn't care about, and a sporty 250.

Bitchbitchbitch.

And then you start being a dickhead to Rob for no reason. That time of the month again?

Storm in a teacup.

Oh and you don't need to call the cops - I didn't, and insurance paid out promptly and happily. (Would still advise it though). I love you Star Insurance! And the great people at Kiwibike! Beer for you if I ever see you in real life!


Mature conversation is nice and all but some times you just need some degenerate name calling and stone throwing.

Or we could be mature and save the name calling and stone/pingpong ball throwing for around a curry-laden table? ;)


Have fun on your viffer, don't root the spark plugs, they cost a pretty penny.

$7 last time I checked. :rofl:

[Chad]

Haven't read all the way through this, but if you can't get bike insurance, at least get some health insurance that you can call on for your own health. Even with ACC, I just spend I dunno how many hundreds gettin my knee fixed up from a minor spill. Just slipped on paint, fell on knee cap and slid, at very low speeds. With a 200kg bike behind my knee... Doesn't take much...

Of course you can get free treatment on public health system. Just take a ticket and we'll call you when your number comes up...

[Donut]

have spoken to the drivers involved and things arnt going so well, the lady thinks i was doing over 100 and so do one of the witnesses........ was not going more then 40 i have another witness to back that up.... only problem with the other witness and the lady and her witness is that they think the bike hit the car WTF?!??!?!?! its clear that the bike has been hit side on.
So if i did hit the car i was clearly doing some bull shit james bond powerslide as i attempted to lay the bike down and limbo under the car....... yeah right

so off to court we go and things look grim..... 2 witness going against me and all i have is the damage to the bike to show what has happened Good luck to me :(

[Mr. Rock]

That's cheap mate. How would I go about getting insurance then? They say that they don't insure when the owner is a learner rider... how on earth am I meant to get insurance? :bye:

if you havnt got insurance yet and no one will insure you.. give NAC a ring. they are national auto club and will give you insurance on a leaner licence. i just got mine. It is 12 buks a week for full cover and road side assistance and they will pay out up to 2500 worth of riding apparel with no extra excess in the event for a crash.

[FJRider]

Going over 100 km's/hr (not saying you were) DOES NOT MAKE THEM BLAMELESS. The cops may charge you for speeding if they can PROVE you were. Bouncing off a car at 100 kms/hr makes you go a fair distance... and hurts.

[robo555]

have spoken to the drivers involved and things arnt going so well, the lady thinks i was doing over 100 and so do one of the witnesses........ was not going more then 40 i have another witness to back that up.... only problem with the other witness and the lady and her witness is that they think the bike hit the car WTF?!??!?!?! its clear that the bike has been hit side on.
So if i did hit the car i was clearly doing some bull shit james bond powerslide as i attempted to lay the bike down and limbo under the car....... yeah right

so off to court we go and things look grim..... 2 witness going against me and all i have is the damage to the bike to show what has happened Good luck to me :(

Witnesses can lie, evidence doesn't. Did you end up filing a police report?

Make sure you get all your facts straight to prove you case when you go to court. Like you and others have said, you've got the damage on the bike to show it was hit by the car, and you would be flying a lot further if you 'hit' the car at 100.

[Warr]

Hit by a car
Was going down avalon drive in hamilton when a car pulled out from a side road and hit me side on, they said that they didnt see me ..............

have spoken to the drivers involved and things arnt going so well, the lady thinks i was doing over 100 and so do one of the witnesses........ was not going more then 40 i have another witness to back that up....
Avalon Drive is either 60k's or 80k's max. But if you were on a morning commute I'd be surprised if anyone is doing those speeds. You would have to be cutting it up the centre line passing everything in sight. Was that the case ? or were you in the flow of traffic ??
If you are heading to court, best get some advise from a lawyer... and there is a m/cycle lawyer in town that maybe can help. I'll PM you his name.

[Toaster]

ALWAYS get the police to turn up to the scene. That is the best way you can insure yourself against dodgy bastards trying to weasel out of blame.