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

**Voltaire** · 27th June 2011, 16:01

Originally Posted by Crasherfromwayback

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

Cheers, interesting how insurance works here.

**Crasherfromwayback** · 27th June 2011, 16:06

Originally Posted by Voltaire

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** · 27th June 2011, 20:27

Originally Posted by Crasherfromwayback

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** · 27th June 2011, 20:53

Originally Posted by seven

I was just taking it ...

Any ideas welcome.

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

**EJK** · 27th June 2011, 21:15

A thread like this requires the missing tag

**Muppet** · 27th June 2011, 21:23

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** · 27th June 2011, 21:53

Originally Posted by FJRider

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** · 27th June 2011, 21:58

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** · 27th June 2011, 23:08

Originally Posted by Hitcher

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** · 27th June 2011, 23:20

Originally Posted by Voltaire

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** · 28th June 2011, 08:04

Originally Posted by kiwifruit

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** · 28th June 2011, 08:08

Originally Posted by Crasherfromwayback

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** · 28th June 2011, 08:33

Originally Posted by kiwifruit

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** · 28th June 2011, 08:39

Hey mate. just went throught the same nightmare. Have a look throught my thread.
http://www.kiwibiker.co.nz/forums/sh...-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.
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