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

[Genie]

Were you trying to merge back into the line of traffic?

So how come she hit you on your left side instead of your rear?

Was that because there wasn't room for you to fit between her and the car in front of her?

So are you saying she started moving even though the lights were still red?

Are you unwell? I'm missing your usual deliverance....

[Luckylegs]

I think Katman might be helping our Oleg reach his own conclusions here.....
Novel approach. For him. lol.

I think you'll find it's not all that novel at all! Looks par for the course really

[Oleg]

I think Katman might be helping our Oleg reach his own conclusions here.....
Novel approach. For him. lol.

Forgive me for being stupid, but i do not see any conclusion as yet. Once again, i might be just way too dumb to get it.
I know i failed in couple of points here, but by no means im clearly at fault here.
Shouldn't pass traffic - arguable
Shouldn't be riding without WOF - Correct, but i will argue a bit on that one.
Shouldn't be in front of the car? - incorrect.
etc etc.

The original thing was just to ask you, guys, for an advise, not to point out where i've fuked up. If some of you don't do stupid shit from time to time - Proof vith video please (aka tits or GTFO!). sorry for being a bit of a dick, but its a fucking stressful time for me, as im on my last coin after rebuilding.

[Katman]

It might be time for people to start realising that if they choose to lane-split then they better ensure they have all their ducks in a row.

If we don't, then it won't be long before it is written in black and white that any form of lane-splitting is totally illegal.

[jaffaonajappa]

Well, Oleg.
Theres three different 'branches' of recommendations on this thread.
And KB'ers have been observed once or twice before, to back their original recommendations to the hilt.
You probably need to summarise the three main types of ideas here - and talk to some family/friends.

Personally - Ive only seen two posts on here where the poster claimed some 'professional' knowledge of the topic (insurance) - and would be inclined to follow their advice. Assuming they are straigt up and honest. And that your description of events was accurate.

If it was me. And its not, I know. Id take some cash early on, play it safe, and try not to repeat the same mistakes.

Talk to your family/Freinds, Oleg. Let us know what you decide.

[Luckylegs]

Forgive me for being stupid, but i do net see any conclusion as yet. once again, i might be just way too dumb to get it.
I know i failed in couple of points here, but by no means im clearly at fault here.
Shouldn't pass traffic - arguable
Shouldn't be riding without WOF - Correct, but i will argue a bit on that one.
Shouldn't be in front of the car? - incorrect.
etc etc.

The original thing was just to ask you guys an advise, not rely to point out where i've fuked up. If some of you don't do stupid shit from time to time. Proof vith video please (aka tits or GTFO!). sorry for being a bit of a dick, but its a bit of a stressful time for me, as im on my last coin after rebuilding.

Just remember sometimes advice might take the form of something you don't want to hear. Look at it this way. If you are at all likely to be at fault it would be prudent not to go in all guns blazing demanding that mrs nissan pays for both repairs. As someone else suggested earlier it could be that the best you can hope for is to fix your own vehicles.

I'm not saying this is the case but giving it as an example of why you need to be very clear.

Just remember you have no witnesses, and it your word against hers, particularly that you didn't pull in front of her unexpectedly. You might be ok, she may take full blame, but if not? Well....

[Oleg]

Well, Oleg.
Theres three different 'branches' of recommendations on this thread.
And KB'ers have been observed once or twice before, to back their original recommendations to the hilt.
You probably need to summarise the three main types of ideas here - and talk to some family/friends.

Personally - Ive only seen two posts on here where the poster claimed some 'professional' knowledge of the topic (insurance) - and would be inclined to follow their advice. Assuming they are straigt up and honest. And that your description of events was accurate.

If it was me. And its not, I know. Id take some cash early on, play it safe, and try not to repeat the same mistakes.

Talk to your family/Freinds, Oleg. Let us know what you decide.

Noticed that. both of the guy are extremely helpful and i've PM'ed them as well. The only option i got is to go for a kill with insurance. no options.

[jaffaonajappa]

I think you'll find it's not all that novel at all! Looks par for the course really

Havent been here long...but previous observations of said posters replies usually involved an Abrupt and Direct approach, with no doubt to where he felt the blame laid.

time and place perhaps.....

[Latte]

Havent been here long...but previous observations of said posters replies usually involved an Abrupt and Direct approach, with no doubt to where he felt the blame laid.

time and place perhaps.....

Stop right there, start a poll if you want to talk about Katman

[huff3r]

This is the way I understand it as well, without a WOF or Reg your vehical is illegally on the road, no insurance and her insurance can sue you for the damages on her vehical.

My advice....walk away while you can and learn the lesson...actually there's about 5 to be learnt from this incident.

Not quite. Tried to sue someone for damages lately? (Doesn't happen). His vehicle was illegally on the road, no question, but that still does not give her any right to drive into him.

He didnt have the right to be there, but thats for a policeman to decide, not her and her car so regardless of the non-WoF status, she still caused the accident and is therefore at fault.

Thats how it works in NZ, and in almost all cases when a vehicle is rear-ended the vehicle to the rear is found at fault.

I'm not professing to have some inside knowledge of the law, or to be a professional, but I am certainly inquisitive when it comes to law, and am very good with google. Oh and read consumer, which helps a lot with knowing your rights (they review insurance regularly).

[FJRider]

Are you unwell? I'm missing your usual deliverance....

I'll do it FOR him then ...

It was an AVOIDABLE "accident" ... With NO wof ... he should NOT have been on the road ...

THEREFORE ... it's HIS fault .....

simple ... eh ...

[The Stranger:Me]

FUUUUUUUUCKKKK!!!!!! Just as i got a brand new fairings and a bloody headlight, which i've been hunting for 1.5 years, some very nice lady decided to rear end me. Will make it short:
1. tonight about 7 pm, coming to an intersection during rain. Lots of traffic.
2. Decided not to stay in the line with car, i lanesplit from the right side (as been told on KB many time) straight to the front.
3. at the moment im next to the middle lane next to Nissan Murano. Traffic light is red.
4. Nissan jolts forward, hitting me on the left side, the point of contact is from pillion seat right through my leg and front fairings. The light is still red.
5. This hit makes my drop the bike and roll away.

Pulled it to the curb, the Nissan pulled over as well. She's got insurance and deeply scratched bumper. I got no insurance, decent bruise on the leg and extensive list of broken/cracked/bent stuff on the bike. NOTE: my woof expired 20 days ago.
She said that she will lodge the claim with insurance company tomorrow.
Its first time that i have to deal with insurance claims and etc., so desperately need some advise on what my actions should be. Please help.
What f#ks me off at most, is that i just finished the bike for a track day at puke.....

UPDATE: 1st June - She raised the claim with her insurance, which is Westpac.

You should be sweet to deal with the insurer.
Two people I know have had uninsured bikes damaged by insured drivers and both times the other parties insurer has come through - in the end. Sure they will wriggle, but you do have a couple of advantages. 1) you aren't constrained by their policy wording, so they don't get to dictate the value of your bike and repairs per their preferred method (which almost always is to your disadvantage) and 2) you have small claims available to you should push come to shove.

The fact you don't have a warrant should not be relevant unless something about the lack of a warrant contributed to the accident - I'm sure your tail light used to work before the accident. Hell, I've been involved in an accident where the cop issued a ticket to one of the parties for have no rego or warrant for over 3yrs at the scene. They still got paid out by their insurer - in full.

That said - if there is something you're not telling us, then perhaps my advice would change.

[ecko_nzed]

Oleg, you didn't fcuk up, you didn't do yourself any favours by splitting lanes or lack of WOF, but not what I would call a fcuk up.

Not sure if anyone has mentioned it, but make sure you take photos of your injuries as well. especially any bruising on the back of your leg that would indicate she hit you from behind.

Look on the bright side, you've learned a bit about the law and if the bike gets written off you can turn it into a cheap trackday bike.

[The Pastor]

you'll be sweet as mate, wof/reg doesn't effect insurance, don't listen to these kb warriors who have never gone through the system without a wog/reg.

Where the wof would effect the insurance is if you failed your wof on bad tyres and then you lost traction on the road, but how hard would that be to prove!

and despite what all these nubs are saying, your tax has no ability to cause an accident. ever.

Dealing with insurance companies, can't think of anything worse! Good luck mate and don't take any BS from them.

[cowboyz]

i havent got time to read all of the thread but no wof or rego has no bearing at all on insurance payout.

it is up to the insurance company to prove that your bike was not in warrentable condition.... and the fault was the cause of the accident.

When I crashed the 9 I was not warrented and rego on hold and got a full payout from insurance.