Why bother with insurance?

[dipshit]

The car owner's insurance company will pursue the at fault party to recover costs all the way to Baycorp and Bailiffs.

He's already got that one figured out though...

DangerousBastard "Right, any damage to anyone else ? Any liability ? If so, deny everything and refuse to discuss the accident with anyone. Disappear into the long grass, and say nothing. Fix your own bike with your own money, and let your sore knee mend itself etc. If anyone wants to knock on your door and talk about the incident, tell them they are at the wrong place. If the feds turn up, tell them u dunno jack about that, and shut the door and go back to what you were doing. Letter from some insurance company demanding payment? bew hew hew, chuck it in the bin. Life goes on. Dont FFS admit the whole thing to the feds in the hope things will be better.."


Bring on compulsory 3rd party i say. Too many losers and arseholes in NZ to not to.

[marine0089]

Heck my bikes only worth 4k and i have full insurance on it.

Can I afford $350/yr? Yes.

Can I afford $5k-10k damages if I crash uninsured? Maybe, but why would I want to give all my money away?

Can I afford $10k+ if I crash uninsured? Hell No!

Everyone's situations are different however and for me, I just wouldn't be able to afford paying the damages if I didn't have insurance. If someone has tens of thousands of dollars that they are happy to throw away on nothing then that might be a different story.

I think I'll take the $350 thanks.

[CookMySock]

Haha, boo fucken hoo.

Go tell your mommy on me. wahhhhhh.. LOL. Fags.

Steve

[dipshit]

Haha, boo fucken hoo.

Go tell your mommy on me. wahhhhhh.. LOL. Fags.

Or what if you run into somebody without insurance either? Would you just do a runner on them too and let them fix up their own vehicle out of their own pocket even if it was your fault?

[XxKiTtiExX]

Learnt my lesson about no insurance after almost parking my car in someones master bedroom. (No insurance = no drive/ride. Rule applies to my bike now also). I can afford 3rd party insurance, but I can't afford 100k worth of car and boat if I caused an accident. I'd rather spend 100k on my own home for my family than spend the next how ever long paying off 100k because of my own stupidity.

[Maki]

I read this thread and I am staggered by some people's ignorance. There are people out there, seemingly in droves who are too ignorant to safely live in a modern society and too stupid to learn the rules that apply.

If you prang a car and you are at fault and you have no insurance, then YOU will have to pay, that means YOU Dangerousbastard. The person who actually owns the car that you prang could care less, he will get payed. It is that person's INSURANCE company that do nasty things to your ass.

[CookMySock]

Or what if you run into somebody without insurance either? Would you just do a runner on them too and let them fix up their own vehicle out of their own pocket even if it was your fault?

Think about it, fool. If I dont have insurance I suck money out of them. They try to suck money out of me I tell them to eff off.

I'll take what I can get. Don't like it? Shove it.

Steve

[BASS-TREBLE]

Just to share my little story.

August this year
GN250
70kmh, wet road
Car coming other way indicating to turn across my lane waits for me sothey can turn turn across my lane but at last minute decides togo for it, I mean LAST minute.
I cant brake hard in wet and hit their passangers side at 70k, bike stops when it hits car. I Get knocked out and fly at least 5 meters then wake up on ground.

Im in shock and cant think straight.
No witnesses.
THEY DID A RUNNER, all I saw was a fucking big dent in their car as they left.

Ring cops, turns up, he is the nicest guy but cant do much as I had 3rd party and we didnt know who they are so I have a written off GN in the garage which was worth 2500 and fucked gear.

I now have full insurance because I simpy can't afford to replace the FZR if such a thing happens again.

Imagine not seeing a car and hitting it. Even with a GN you will fuck up the whole side of a car, believe me. it still weights 200kg with you on it.

Get at least 3rd, full is even better.

[bucket boy]

I would be interested to know if people who have multiple expensive bikes and cars do you insure them all ? In my case what it would cost me to insure them all I could by a new r1 each year. Its all about if you are willing to take the risk. Insurance company are good at taking your money and boy when it comes to paying out they try and find a way out ,this is what I've come to believe with house dramas, but if you do decide to go that way you can't go moaning that some other uninsured owner has crashed into you !

[Dealer]

1. Bikes are cheaper than cars.

Who ever told you that?
Try buying panels for a fully faired bike.
Just a wing mirror on my busa is $175

$2000 bike, go 3rd party definately. After that its your choice whether to insure for full. My 250, i only had 3rd party on a $4000 bike.
But the busa is insured for full cover, and so far i've had $12,000 worth of claims, at a cost to me of $3200, including 3 years insurance.
Lucky i've got a no claims bonus for life.

[XxKiTtiExX]

Think about it, fool. If I dont have insurance I suck money out of them. They try to suck money out of me I tell them to eff off.

I'll take what I can get. Don't like it? Shove it.

Steve

If you own your own home I hope for your families sake its not in your name. Run your own business too? They'll "take what they can get" alright.

[Squiggles]

I reckon theft is alot more likely when its a bike (Doesnt matter if its a GN or a gixxer either)

[dipshit]

Think about it, fool. If I dont have insurance I suck money out of them. They try to suck money out of me I tell them to eff off.

I'll take what I can get. Don't like it? Shove it.

So if someone crashes into your bike (their fault) you would expect them to pay for your damage.

But if you crash into somebody else's vehicle (your fault) you would tell them to fuck off and not pay to fix their vehicle?

[aaronninja]

insurance is a must have if you get hit by someone else and they dont have insurance and you dont either then it can take months to get any money out of them i know this from experience, insurance companies take care of the matter pretty quickly, i bought gsx250 for $2300 and when i got hit by a car and it got ridden off i got $4500 for it.

[Maki]

So if someone crashes into your bike (their fault) you would expect them to pay for your damage.

But if you crash into somebody else's vehicle (your fault) you would tell them to fuck off and not pay to fix their vehicle?

You would if you are a dangerous bastard.

++++++++++++++++++++++++++++++++++++++++++

Whoever wrote that bikes are cheaper than cars is delusional. We have a bike and a car and the bike is worth AT LEAST 10 times more than the car. It also costs more to service, insure and register the bike. Oh, the bike uses slightly less gas but that is peanuts in the grand scheme of things.