Car insurance compulsory?

[Ocean1]

I'm someone who works in the insurance industry, and I can't believe some of the crap that's been written in this thread. I started making notes on the first page of points that needed correcting, but then I saw how many pages there are already and quite frankly I just can't be arsed. As this is a topic of which I do know a reasonable amount, it makes me cringe to think just how far off the mark the rest of the threads on KB are.

Griff mate, you've hit the nail on the head.

Ah gwarn, give us the low down.

Ya can't bleat about rampant uninformed opinionated crap if'n ya not prepared to edumicate us. None of dem big words though eh?

[Coldrider]

Ah gwarn, give us the low down.

Ya can't bleat about rampant uninformed opinionated crap if'n ya not prepared to edumicate us. None of dem big words though eh?

Is that like a life insurance salesman explaining how much his fees/commission is, and any other fee.

[imdying]

Is that like a life insurance salesman explaining how much his fees/commission is, and any other fee.

No no, I'm sure he's gonna say, 'Hell no, the insurance companies don't want compulsory insurance!'

[HenryDorsetCase]

Stop labelling and blaming boy racers, the government in NZ likes to use them as a scapegoat and scare average jane doe into agreeing with certain laws...

Fuck that! Boy (and girl) racers are a bunch of scum sucking arseholes: they clutter up my town with their noisy obnoxious POS rice racer crap boxes, they mean I as a ratepayer have to spend more money fixing up damage they do to my roads, and they make my quality of life suffer by obnoxiously driving round in loud cars being obnoxious. Fucking death to them all. (and by the way, I get to choose.... your problem if you are out and about and I am on a rampage).

I am trying to buy one of those helicopter mounted Gatling guns to put on the roof of my pickup truck so I can paste a few of these mofos and their skanky ho's. No luck so far but I'll keep you posted.

[avgas]

Fixing up damage they do to my roads,

Just to clear something up here for those of you that have no experience in damaged roads or fixing them.
Worst vehicle damage to roads is caused by large heavy objects.
Examples are fully loaded trucks (carrying more than 10 ton), large earth moving equipment, tracked vehicles and misuse of vehicles with large amounts of weight (eg trailer with flat tyre, tray down and 1 ton of mass on it - grader with unbalance blade etc).
Saying boyracers wreck the roads is like saying surfers ruin the beach for everyone. They may piss people off - but they are not the final problem.
(I'm not a boy racer - i know how to drive and i have a shit car, but a hoon....mabey)

[Ocean1]

Just to clear something up here for those of you that have no experience in damaged roads or fixing them.
Worst vehicle damage to roads is caused by large heavy objects.
Examples are fully loaded trucks (carrying more than 10 ton), large earth moving equipment, tracked vehicles and misuse of vehicles with large amounts of weight (eg trailer with flat tyre, tray down and 1 ton of mass on it - grader with unbalance blade etc).
Saying boyracers wreck the roads is like saying surfers ruin the beach for everyone. They may piss people off - but they are not the final problem.
(I'm not a boy racer - i know how to drive and i have a shit car, but a hoon....mabey)

Bit of poetic licence due there dude. Besides, what does it cost to replace a give way/stop/school sign, letter box, fence etc? At least when we fuck up all we usually do is maul a bit of shrubbery.

[scracha]

Fairest way would be in a petrol/diesel tax. Just add a couple of cents per litre and have it go towards a compulsory third party insurance fund. Drive a big vehicle...pay more insurance. Drive more miles, pay more insurance. Drive like a @#4cktard, probably pay more insurance. Take bike out on a wee blat a couple of times a week, pay next to eff all.

Gawd..if only you Kiwi's would let me run this country properly.

[lanci]

Good idea, although there would need to be some government regulation to stop insurance companies going over the top with premiums etc.

Also how many people out there have been hit or know someone who has been hit by an un-insured driver? My mate was hit by a young guy with no insurance and his insurance did not cover him for that event. He repaired the car ($5,000 of his own) and took the guy to court, he now gets $20 bucks a week!

[Ocean1]

Fairest way would be in a petrol/diesel tax.

Yeah that'd work. Like the roads funding tax we already pay when we buy gas. Oh wait...

[lanci]

One other thing. I'm driving along in my car, wasted as, and I crash into you. Since I was driving drunk (or speeding, or no license, or whatever), does my compulsory third party insurance still pay for the damage to your car? Or are we back to the courts that can't enforce shite?

/edit: And apparently it'll stop boy racers getting high performance cars... plenty of boy racers doing stupid shite and killing people in 'low performance' cars...

Does the company not pay out to the third party then re-coup costs from their side?

[Chrislost]

If its bought in, it will cover all vehicles.... motorcycles are vehicles and thus it will be compulsory. But registration fees and ACC levies won't go down, and insurers (which in all cases are profit oriented businesses) will have a huge say (through leveraging premiums) as to who can and cant (maybe should or shouldnt) be on the road. Of course it will give the pleece another stick to beat any driver with (May I see your drivers licence, registration and insurance card please, sir/ma'am").

On balance I think a positive thing potentially, but like all these measures, it is only us law abiding middle aged citizens who will pay: I can afford it, and I am seen as a good risk by insurers.

Fuckwit boy racers (sorry "car enthusiasts") won't be affected: they know their POS shitboxes have no show of being covered, plus anyone with a bad driving record will be seen as a bad risk and premium loaded accordingly. These cock smokers dont pay their fines OR their rego OR their WOFs already, why would you think one more thing they wont pay will make a bit of difference?

I think I amsmoked

[Mom]

I admit to not reading through this entire thread but will state my case in favour of third party insurance being compulsory, and no I dont sell insurance.

Third party covers you for damage you do to other peoples property/vehicles etc. My kids have not been allowed to drive their cars unless they had cover. Young guy that works for me parked his car outside our place (as he always does) one morning, it managed to roll down the hill and take out a goodly part of a new brick home a bit further down, he has NO insurance! The people who owned the house have had it fixed, and all their carpets and priceless antiques blah blah, by their insurance company, who are now wanting to be reimbursed for the expense. If insurance had been in place his insurance would have paid out and no worries for him. Sadly as there was none they want him to pay.........he cant....bankrupcy is his only option (he left the hand brake off so is "liable")

Third party insurance is a must!

[imdying]

Fairest way would be in a petrol/diesel tax. Just add a couple of cents per litre and have it go towards a compulsory third party insurance fund. Drive a big vehicle...pay more insurance. Drive more miles, pay more insurance. Drive like a @#4cktard, probably pay more insurance. Take bike out on a wee blat a couple of times a week, pay next to eff all.

Interesting suggestion

Does the company not pay out to the third party then re-coup costs from their side?

Don't know, asking the question

[doc]

This is pretty typical, everyone basically disagres, makes a bit of comment. But as usual, we don't take to the source, typical NZ'r profile. I'm as guilty as everyone I wouldn't even know how to find the Bikers Rights group , but thats where we should be headed collectively. MMP works with lobby groups if you can't beat em join em. 5000 kb'rs that would help the BRO. Please no one suggest forming a committee. We are just going to end up paying more.

[Ewan Oozarmy]

Fairest way would be in a petrol/diesel tax. Just add a couple of cents per litre and have it go towards a compulsory third party insurance fund. Drive a big vehicle...pay more insurance. Drive more miles, pay more insurance. Drive like a @#4cktard, probably pay more insurance. Take bike out on a wee blat a couple of times a week, pay next to eff all.

Gawd..if only you Kiwi's would let me run this country properly.

I think your idea would work as a replacement for rego charges as then everyone would pay as they use, but would probably cost more than a couple of cents per litre if used to cover 3rd party insurance.

Good idea though. You'd get my vote.