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Thread: Insurance - admitting fault

  1. #16
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    25th June 2012 - 11:56
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    Btw you really need a new insurance co... Most recent time I was hit in car while stationary at piss poor traffic managed sports event on a state highway, open road speed, both cars was write off...
    No one injured, cop dispatch tried to spin the line too busy... But I mentioned the magic words “one lane blocked” and “state highway”... guaranteed attendance! Lady from car in front tried to say I was selfish for not moving but professional experience told me I knew I was right to stand my ground... There was clear lane on left for traffic to use and also what happens if your hit again moving an u roadworthy vehicle with no rear lights/signals and driver seat wrecked....
    Despite being too busy two cop cars turned up real fast...
    Insurance co tried to make me pay excess to as other guy no insurance but stood my ground said I’m clearly not at fault and they can chase him for that...
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  2. #17
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    Quote Originally Posted by R650R View Post
    Insurance co tried to make me pay excess to as other guy no insurance but stood my ground said I’m clearly not at fault and they can chase him for that...
    Mrs B had that decades back - taxi up her arse at speed. Bloody taxi was seen several times over the next couple days driving around with no bonnet and have the front end of.......

    A phone call to the taxi company sorted that.

    Insurance wanted her to pay the excess as he was not insured - not our problem we said as we had three on the spot witnesses. I refused to pay it. Insurance agreed finally and took the offended to court for the full repair sum - the court awarded $10 weekly payments (FFS) and I later found the insurance co got $100 out of him before he shot back to the Islands ......

  3. #18
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    Quote Originally Posted by cassina View Post
    There will be riding school "graduates" on here who will be able to tell you how to avoid such "not at fault" accidents in the future.
    Your autism is showing again. Are you off of the medication?
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  4. #19
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    if he did hit you there will be some damage(even f its a rubber mark) on the bumper of the car.Go round and see if you can get a pic!

  5. #20
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    2nd October 2017 - 16:41
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    Quote Originally Posted by R650R View Post
    This always happens once people realise they are goi g to be raped by the others insurance company... I’ve been hit from behind three times and the worst occasion (legalwise) was this pretty twenty something in a miniskirt who kicked up a minihell tale of merry bullshit later in the day while I was sleeping (nightshift linehaul).
    Not only did she run a red light (it was a short phase that time of morning and my truck would only just get through halfway from standing start), panic brake and slide into 2nd last b-train axle as she tried to overtake me through the twin right turn lanes... And she had to pass me as her workplace that she fled the scene from with out stopping was 200m up rd on left.... Rental car co so she knew all the dirty tricks...
    Long story short it all ended when a police officer rang my cell several months later trying to get a new statement while I’m driving with load of hazardous goods out of Wellington. Lost my cool and told cop the truth doesn’t change so I’m not making another statement. Cop lost her temper too and said case closed and I got a letter from them to that effect too!
    Never ever trust the other party, it’s war out there...
    Damn you need to report that cop to the IPCA, can't have street cops obstructing justice...

  6. #21
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    12th September 2015 - 23:54
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    Firstly the advice I've had from an insurance broker in the past is if the other driver admits responsibility then, in her words, have a sudden attack of deafness. It is the insurance companies duty to prove liability (or otherwise) for the accident, even if one driver admits responsibility. Potentially when a driver admits liability it invalidate the policy because they remove the ability for the insurance company to fight the case - that's the theory anyway though I've not heard of an insurance company that's done that.

    Unfortunately the case here of someone changing their story, or even denying an impact took place, is common. It is the job of the insurance company/s to work out what's really happened. The insurance companies know that in almost all nose to tail instances the driver at the rear that's at fault. In this case it would seem strange to the insurance company that the driver exchanged details at the scene, why would they do that if they were not involved in the accident? Worse case scenario is that this will go to the Disputes Tribunal but hopefully the other driver or the insurance company will see sense before then.

    Hopefully there will not be a next time, but if there is then as others have said photos are the key. Not just of any damage but also if possible the position of the vehicles before they get moved, layout of the road etc.

  7. #22
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    As I said before, photos of both vehicles and how they were positioned is critical to working out who was where. Details of a couple of independent witnesses also help.

  8. #23
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    Quote Originally Posted by kawa64 View Post
    They wouldn't dispatch anyone because "there were no injuries to any persons."
    Tell them there is a gun involved. "waving hands about with a gun" easily changed to "waving hands to block out sun" when they arrive.
    "If you ever need anything please don’t hesitate to ask someone else first.”

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  9. #24
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    Quote Originally Posted by Jeeper View Post
    As I said before, photos of both vehicles and how they were positioned is critical to working out who was where. Details of a couple of independent witnesses also help.
    Photos don't work.

    I took photos when I had an accident, guy admitted fault to me at the time then made his statement to the insurance company saying it was my fault, along with his 'independent' witness who was his mate travelling with him. Even though the photos clearly showed his statement was complete bollocks, insurance company not even slightly interested in following up.

    Unless you get the police there and they can back up your version of events, or you can find your own 'independent' witness, you're pretty much fucked.
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  10. #25
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    Quote Originally Posted by neels View Post
    Photos don't work.

    I took photos when I had an accident, guy admitted fault to me at the time then made his statement to the insurance company saying it was my fault, along with his 'independent' witness who was his mate travelling with him. Even though the photos clearly showed his statement was complete bollocks, insurance company not even slightly interested in following up.

    Unless you get the police there and they can back up your version of events, or you can find your own 'independent' witness, you're pretty much fucked.
    That's not been my experience. But I guess it does depends on the insurance company and how you argue your case. Refuting photos outright has not been my experience.

  11. #26
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    Quote Originally Posted by Jeeper View Post
    That's not been my experience. But I guess it does depends on the insurance company and how you argue your case. Refuting photos outright has not been my experience.
    It's been my experience twice, with two different insurance companies, even when the damage to the vehicles would be impossible if what they said in their statement was true they still weren't interested.

    People tell lies, sometimes there's not much you can do about it.
    Riding cheap crappy old bikes badly since 1987

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  12. #27
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    Quote Originally Posted by kawa64 View Post
    They wouldn't dispatch anyone because "there were no injuries to any persons."
    Not true.

    dont ask me how I know.
    but it backfired on them.

    READ AND UDESTAND

  13. #28
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    Quote Originally Posted by eldog View Post
    Not true.

    dont ask me how I know.
    but it backfired on them.
    How do you know?

  14. #29
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    Quote Originally Posted by granstar View Post
    Tell them there is a gun involved. "waving hands about with a gun" easily changed to "waving hands to block out sun" when they arrive.
    that's fucking retarded.

  15. #30
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    Yep. Best to actually wave a gun around and ensure a response.

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