F#K my life. Another crash. I need your advice.

**Jantar** · 1st June 2011, 13:12

Originally Posted by Scuba_Steve

I had to deal with insurance recently this is the form I had to fill so expect something similar I would assume
Attachment 239887....

Bloody hell. I wouldn't fill out any part of that form. It is fully biased in favour of the insured party and against the person making the claim.

**Gone Burger** · 1st June 2011, 13:24

Good luck on this one mate. Not soundsing too flash indeed.

Alas, I also fear that many insurance companies wont pay out on vehicles with no WOF. I hope for your sake on this one that is not the case.

**James Deuce** · 1st June 2011, 13:34

Originally Posted by Oscar

I don't understand.
The existence (or otherwise) of the WOF is irrelevant in terms of liability.‎
Your Good Lady was at fault, unfortunately. ‎

I'm not questioning fault. I'm saying that the ombudsman made it our insurance company's problem on the basis that the vehicle was unwarranted when it was patently an issue about not putting the hand brake on.

**davebullet** · 1st June 2011, 13:49

Remember - it is not your insurance policy covering you.

Her insurance company can rightly claim the vehicle she had an accident with was not legal and had no right to be on the road.

I agree with Mr. Deuce here. If you don't believe me - push the insurance company and you'll see them stick firm. What are you going to do in that case? Go to the police or via court and tell them you didn't have a WOF?

I think your best course of action is an "out of insurance company" settlement with the driver as previously mentioned.

And - get a WOF and get insurance. Without either in some shape or form, you have no right to be on the road.

**Crasherfromwayback** · 1st June 2011, 13:59

Originally Posted by davebullet

Remember - it is not your insurance policy covering you.

Her insurance company can rightly claim the vehicle she had an accident with was not legal and had no right to be on the road.

I agree with Mr. Deuce here. If you don't believe me - push the insurance company and you'll see them stick firm. What are you going to do in that case? Go to the police or via court and tell them you didn't have a WOF?

I think your best course of action is an "out of insurance company" settlement with the driver as previously mentioned.

.

Bullshit sorry.

**imdying** · 1st June 2011, 14:06

Originally Posted by davebullet

Her insurance company can rightly claim the vehicle she had an accident with was not legal and had no right to be on the road.

So don't converse with her insurance company then, take her to court directly.

**Oscar** · 1st June 2011, 14:06

Originally Posted by davebullet

Remember - it is not your insurance policy covering you.

Her insurance company can rightly claim the vehicle she had an accident with was not legal and had no right to be on the road.

I agree with Mr. Deuce here. If you don't believe me - push the insurance company and you'll see them stick firm. What are you going to do in that case? Go to the police or via court and tell them you didn't have a WOF?

I think your best course of action is an "out of insurance company" settlement with the driver as previously mentioned.

And - get a WOF and get insurance. Without either in some shape or form, you have no right to be on the road.

It's not a police matter.
It's a matter of liability and in this case one party damaged another's property in a negligent fashion.

Whether or not he was legal in terms of the Road Transport Act is irrelevant. As an example - What if he'd been pushing his bike across a pedestrian crossing and been hit by this woman?

**Oleg** · 1st June 2011, 14:32

Just a quick thought - would it help to remove number plate from the bike for assessor or its a really stupid thought and im getting paranoid?

**Brian d marge** · 1st June 2011, 14:36

I ALWAYS advise riders Who have just bought a new bike , ,,,Take the new fairings off and put some ( good ) race fairings on .... then when you crash ,,,which you will ..you will save A LOT OF money
The when yo sell the bike , put the original fairings back on

Stephen

**Gremlin** · 1st June 2011, 14:41

Originally Posted by Oleg

Just a quick thought - would it help to remove number plate from the bike for assessor or its a really stupid thought and im getting paranoid?

Stupid... you'll only annoy them, and the bike can still be traced via VIN.

**Crasherfromwayback** · 1st June 2011, 14:51

Originally Posted by Oleg

Just a quick thought - would it help to remove number plate from the bike for assessor or its a really stupid thought and im getting paranoid?

Don't be doing that.

**Oleg** · 1st June 2011, 15:03

ok, here is the plan of actions:
1. Ring up dealership to pick up the bike for assessment, so insur wont apoint 1 on their own.
2. Once the bike is gone, ring the westpac insurance and tell them the story
3. will not mention my WOF
4. Will keep my story straight as it was.

Anything i need to add here?