Market value?

[skippa1]

sorry you appear to be speaking in too much of a riddle here, I don't get it.

You cancel full insurance to save money and take the risk yourself
the risk turns into a reality and it pisses you off
you try to get the other parties insurance company to pay up for your bad decision
you try to get payment for a new bike when yours was second hand
you argue about why a second hand bike should be replaced with new
you ignore over 200 posts telling you to take the money offered
you argue that you're right and everyone else is wrong
you want money to compensate you for inconvenience
you bleat about having to catch a bus
you bleat about childcare arrangements


all a result of your shit decision. The key word is you

Reality and consequence are ignored.

The decision was made by ...............you

(now it must be time to send this thread to PD)

[Tazz]

sorry you appear to be speaking in too much of a riddle here, I don't get it.

The choice you made to get into an accident of course.

[sil3nt]

Good thing your time has no value. My time, on the other hand.....

Given the amount of shit you post on here it obviously isn't worth much either.

[ldcroberts]

The choice you made to get into an accident of course.

or maybe it was the choice not to take out income protection insurance this time, who knows, presumably he has every possible kind of insurance himself. I wonder if you can get insurance against appearing as an idiot online - he'll probably claim I need that and that he already has it.

[Madness]

the lost income was due to not having transport - it's too hard to get through traffic in a reasonable time without a motorbike - stuffed up my childcare arrangements when i had to spend 2 hours on a bus

Bloody lucky you weren't on your way to the airport at the time your accident and as a result unable to make an international flight. That could have cost the bastard heaps!

I still say you should take it international. What did Paul Henry have to say?

[Tazz]

or maybe it was the choice not to take out income protection insurance this time, who knows, presumably he has every possible kind of insurance himself. I wonder if you can get insurance against appearing as an idiot online - he'll probably claim I need that and that he already has it.

Don't forget your insurance insurance incase your insurance doesn't want to play ball.

[swbarnett]

... all a result of your shit decision. The key word is you

Surely the decision of the other party to turn in front of him had something to do with it?

[ldcroberts]

Surely the decision of the other party to turn in front of him had something to do with it?

I don't think he's worried about that happening to him as he has insurance!

[skippa1]

Surely the decision of the other party to turn in front of him had something to do with it?

Yes it did, but from then on......

[ldcroberts]

You cancel full insurance to save money and take the risk yourself
the risk turns into a reality and it pisses you off
you try to get the other parties insurance company to pay up for your bad decision
you try to get payment for a new bike when yours was second hand
you argue about why a second hand bike should be replaced with new
you ignore over 200 posts telling you to take the money offered
you argue that you're right and everyone else is wrong
you want money to compensate you for inconvenience
you bleat about having to catch a bus
you bleat about childcare arrangements


all a result of your shit decision. The key word is you

Reality and consequence are ignored.

The decision was made by ...............you

(now it must be time to send this thread to PD)

I'm still not sure I get where you are coming from.

Driving happily along on way to work when oncoming car suddenly swerves in your path, bang. Miss out on the job you were going to (someone else has to do it instead as it couldn't be delayed), busing takes an extra 1.5 hours, so you have to account for that to be back as you can't leave kids alone, etc.

I think you are ignoring reality if you think your insurance company is going to swoop in with a helicopter to the accident site, take you to where you were going so you wouldn't be late, drop off an exact replacement of your bike or better for you to use to get home, and you live happily ever after in your little fairy tale world.

[ldcroberts]

ok, after accepting the claim they then said I could talk further about consequential losses which aren't covered under their policy (which are things like the loss of income)

they have offered this fairly useful looking statement that outlines that I could still get a ruling on it if I wanted

Unfortunately those consequential losses are not covered by the policy; that being said, if a Court Ruled our insured was legally liable for these losses and awarded a specific amount (not fines) then the policy would respond.
... it depends on what the courts award costs as to whether we pay or not.

There is no cover at all for exemplary damages or fines.

[Mike.Gayner]

You should definitely write a letter outlining the costs incurred, just don't be silly about it. What their policy covers has little to do with their liability to you - you ought to be able to claim reasonable consequential losses without going to court. Don't be silly about it though, the key word is REASONABLE losses which are DIRECTLY related to the accident. Loss of income will be very limited - not liking the bus schedule doesn't count.

[discotex]

Ahh right it's not lack of work due to an injury that you were talking about claiming - more the inconvenience of loss of use of your vehicle. I'd misread that.

Wonder if time saved by illegal lane splitting counts

Had you hired a similar bike you could have probably added that to your loss. However this would probably only be awarded if you could prove the settlement and timeliness of the other party was found to be unreasonable, and the delay wasn't of your making.

[skippa1]

I'm still not sure I get where you are coming from.

Driving happily along on way to work when oncoming car suddenly swerves in your path, bang. Miss out on the job you were going to (someone else has to do it instead as it couldn't be delayed), busing takes an extra 1.5 hours, so you have to account for that to be back as you can't leave kids alone, etc.

I think you are ignoring reality if you think your insurance company is going to swoop in with a helicopter to the accident site, take you to where you were going so you wouldn't be late, drop off an exact replacement of your bike or better for you to use to get home, and you live happily ever after in your little fairy tale world.

I am no way claiming my insurance company will do anything of the sort.

i am saying in my opinion your grasp on reality is like a floppy handshake.....you may feel entitled, but no one wins in these things.

but you claim what you can, and if you get it paid good on ya.......

[Ribit]

http://www.trademe.co.nz/motors/moto...-725178291.htm

there you go, you can replace your bike for less now
$9395 +orc