Farkin insurance wan#%ers

[dmouse]

Could the insurance co. arrange some kind of buy back deal with a bike shop. As they're normally charged /Km it would be cheaper than renting one day by day and even though there would be substantial outlay it would be a sure thing at the end of the deal.

I'm not trying to make light of your condition but if they get you a car you could score a convertable? MX5 or something and have more air around you than any bike helemt will allow. Yeah they're gay but they go ok and will get you around in the mean time, same again, lots of dealers would sign a buy-back I'm sure.

this is an exellent idea mate, but as allways we have these inspirations when its too late, i have just agreed to ride around on a suzuki 250 bought from trademe by the ones who have so much power, "The Inusrance "for $2200 as its the only one with a buy now on it in my area within the cost limit, this i have to give to the repair shop when i collect my bike when its back in its pre crash condition.

So if you see a Green 1973 GT250 suzuki going round Christchurch its me and my rental bike paid for by the MOB sorrt i meant the insurance just a thought is that not another word for protection money ??? as in the MOB Fu$k i had better get some protection i mean personal protection like armour i cant afford more insurance/protection as my rego is now due on the bike that i have only three monthes use out of this year so far due to repairs that are not my fault, protection opps insurance slow ups. oh well now where did i put that chain mail !!!

a softop would of been a good option and if i did throw up i could spray cages push bikes lol that would of been fun and made up for some of the shit they have put me through great idea mate and many thanks for the thought

[stevensaaron]

Hi just wondering how its going, have you heard from the insurance yet.

I am having a similar problem. I was thinking about accepting their offer but after reading this thread and this thread: http://www.kiwibiker.co.nz/forums/sh...ad.php?t=49577 i think i will fight it. here is my story below

any help would be appreciated.

If the claim is deemed to be "not at fault" on your part, you would not be penalised.

in the beginning of Nov I was riding along the road on my 'Suzuki GSX 250 Across' when a guy was driving erratically behind me e.g swaying behind me, accelerating behind me. then he passed me on the left hand side of me and got really close to me forcing me to go into the centre road Island that has plants and trees. I was travelling 50 Km in A 50 Km zone. I hit a couple of trees (I was not hurt, thankfully). and he drove off. there was a man walking along the footpath who saw the whole thing happen and ran over to help me pick up the bike. Neither of us were able to get the Registration of the Vehicle. while we were exchanging names and numbers the guy who ran me off the rode had come back. the witness had to go so he left us talking. I asked the driver of the vehicle who forced me off the rode if he had a pen and paper, he went and got one but then asked me what for and I told him it was so I could get his/and vehicle details to claim on Insurance. (no police were involved). The next day I went to make a police report but it was filed and nothing was done about it (something about they don't investiagte insurance accidents). He was and still is claiming it was not his fault. any way I took it to a client from work who does insurance work for a quote assessment. and after a lengthy process of waiting for the Insurance company, They are writting it off they first gave me an offer of $2,500 minus an excess of $500, and me and my dad had a real go at them beacuse it was too low they then offered me $3,500. minus an excess of $500. (I bought it for 4,600 at christmas 2006, 11 months before the accident, I had insured my bike for $4,600 The bike is a '1993 Suzuki GSX 250 Across' when i bought it, it had about 12,000 Kms on the clock and pretty much perfect condition & well serviced, it had about 20,000Km when I had the accident and still in the same condition, how can the 'pre-crash assesors tell what it was like before the crash when all they see is the crashed result?) it's rare bike in New Zealand and I am still not happy with 3,500, I would like to get at least what i paid for it, or no less than 4,000, what can i do about that? Also I shouldn't be paying the excess because it wasn't my fault, but because He isn't claiming Liability (he even told the my insurance that i intimidated him, that's like trying to say that an ant intimidated a lion.) even though I have a witness who said it was his fault, I still have to pay the excess. The driver didn't touch me he just got so close to me, so he didn't have any damage to his vehicle(a 4x4 nissan ute) so he hasn't the need to go to his insurance. What do I need to do? If i have to accept the 3,500 minus 500 excess that they have offered is their any way that i can "sue" the other guy for the loss of my bike value and excess.
also what is supposed to happen to the bike after they write it off? They are saying that if i want the bike back It will cost me $200
I am insured through a brokerbut i think that i might speak direct to the insurance company.

cheers
Aaron.

[fredie]

speak too a solicitor . and buy the bike back for peanuts .resale

[stevensaaron]

I think the insurance company that the broker goes through is NZI. I think that i might threaten to close my cover with them and go some where else if i don't get the result that i am after. the main thing that i am really angry with is that the driver is saying that he is not at fault and even though i have a witness that says he is I am the one who has to do the running aound. The broker said that if i din't like the result that I need to go to the disputes tribunal, They aren't trying to help me at all, they are just taking my money and then try to screw me with pathetic offers. All while the driver is having nothing done to him. and he still gets to drive his car, while i am waiting to get another bike. I don't mind it being written off, I was going to sell it soon anyway, I am going to get a Hyosung GV250 So i need all the money I can get.

[Oscar]

Hi just wondering how its going, have you heard from the insurance yet.

I am having a similar problem. I was thinking about accepting their offer but after reading this thread and this thread: http://www.kiwibiker.co.nz/forums/sh...ad.php?t=49577 i think i will fight it. here is my story below

any help would be appreciated.



in the beginning of Nov I was riding along the road on my 'Suzuki GSX 250 Across' when a guy was driving erratically behind me e.g swaying behind me, accelerating behind me. then he passed me on the left hand side of me and got really close to me forcing me to go into the centre road Island that has plants and trees. I was travelling 50 Km in A 50 Km zone. I hit a couple of trees (I was not hurt, thankfully). and he drove off. there was a man walking along the footpath who saw the whole thing happen and ran over to help me pick up the bike. Neither of us were able to get the Registration of the Vehicle. while we were exchanging names and numbers the guy who ran me off the rode had come back. the witness had to go so he left us talking. I asked the driver of the vehicle who forced me off the rode if he had a pen and paper, he went and got one but then asked me what for and I told him it was so I could get his/and vehicle details to claim on Insurance. (no police were involved). The next day I went to make a police report but it was filed and nothing was done about it (something about they don't investiagte insurance accidents). He was and still is claiming it was not his fault. any way I took it to a client from work who does insurance work for a quote assessment. and after a lengthy process of waiting for the Insurance company, They are writting it off they first gave me an offer of $2,500 minus an excess of $500, and me and my dad had a real go at them beacuse it was too low they then offered me $3,500. minus an excess of $500. (I bought it for 4,600 at christmas 2006, 11 months before the accident, I had insured my bike for $4,600 The bike is a '1993 Suzuki GSX 250 Across' when i bought it, it had about 12,000 Kms on the clock and pretty much perfect condition & well serviced, it had about 20,000Km when I had the accident and still in the same condition, how can the 'pre-crash assesors tell what it was like before the crash when all they see is the crashed result?) it's rare bike in New Zealand and I am still not happy with 3,500, I would like to get at least what i paid for it, or no less than 4,000, what can i do about that? Also I shouldn't be paying the excess because it wasn't my fault, but because He isn't claiming Liability (he even told the my insurance that i intimidated him, that's like trying to say that an ant intimidated a lion.) even though I have a witness who said it was his fault, I still have to pay the excess. The driver didn't touch me he just got so close to me, so he didn't have any damage to his vehicle(a 4x4 nissan ute) so he hasn't the need to go to his insurance. What do I need to do? If i have to accept the 3,500 minus 500 excess that they have offered is their any way that i can "sue" the other guy for the loss of my bike value and excess.
also what is supposed to happen to the bike after they write it off? They are saying that if i want the bike back It will cost me $200
I am insured through a brokerbut i think that i might speak direct to the insurance company.

cheers
Aaron.

1. You probably shouldn't have to pay the excess. Most insurers have a rule that if an "at fault" third party is identified, the excess is waived. However bear in mind that the excess is the uninsured portion of this risk that you accepted when signing the proposal, so you can't make them act on this issue. Having said that, whereas you are out of pocket, the insurer has a lot more to loose - why aren't they going after the third party?

2. Generally, when the settlement amount is in dispute there is a procedure whereby you are able to value the bike by getting your own dealers estimates. Ask the assessor.

3. Apart from the expensive option of a Solicitor, you might like to try other cheaper options first - the Insurance Ombudsman and the Small Claims Tribunal.

4. There are Brokers and Brokers. Some are just Life Insurance guys trying to upspec their image, and some are flogging a particular policy in an effort to maximise their business (and consequently their brokerage) with that particular insurer. Go direct to the insurer, as that is guaranteed to piss off the claims department.

[scracha]

I think the insurance company that the broker goes through is NZI. I think that i might threaten to close my cover with them and go some where else if i don't get the result that i am after. the main thing that i am really angry with is that the driver is saying that he is not at fault and even though i have a witness that says he is I am the one who has to do the running aound. The broker said that if i din't like the result that I need to go to the disputes tribunal, They aren't trying to help me at all, they are just taking my money and then try to screw me with pathetic offers. All while the driver is having nothing done to him. and he still gets to drive his car, while i am waiting to get another bike. I don't mind it being written off, I was going to sell it soon anyway, I am going to get a Hyosung GV250 So i need all the money I can get.

It's not really anything to do with the broker. Standard Insurance co practice seems to be to make a derisory offer, up it a little bit and then pretend that's all you're likely to get.

There's 2 parties involved....his insurance company and yours. If your insurance company isn't squeezing his insurance company hard enough (probably if they're owned by the same company) then do it yourself.

Get a lawyer to (or just do it yourself) write the 3rd party (and cc your insurance co) a strongly worded letter stating :-
a) you have an independent witness
b) that under no circumstances will you be taking responsability for the accident
c) you won't accept a 50/50 knock for knock
d) the 3rd party will be paying the excess
e) The full amount you are claiming (bike damage, clothing, bus fares, etc etc)
f) You WILL take this to disputes tribune if they don't respond with a satisfactory offer within 14 days.

Make sure you DO take them to the disputes tribuneral if they don't respond. I would assume as soon as they receive their summons the 3rd party insurance co will just pay up.

Also go back to cops involved and ask them why they're not prosecuting a driver who undertook you and caused an accident? Is filtering on the left hand side only legal for car drivers?

Again, it shows that there's no point in being fully comp in this country.

[dmouse]

the biggest problem is that they do not work for there client and this is wrong, that should be there first objective to make sure that there client is ok then if you are not at fault your broker/insurance should go for the best deal for you not the other person as seems to happen here in NZ it sucks big time

[Conquiztador]

its a game they play with our money and our lives,

i have just come off of the phone with IAG and all that NZI will offer me is $1700 to buy a reg and wof`d bike from trademe to use until my bike is completed and then i have to give them the bought bike back when i get my own bike back im well and truly gutted pissed off farked off but they have you by the balls, at first NZI when i spoke to them were willing to pay out in full for my bike until they found out the value of it 5ok, hey the accident was not my fault i did not cause it, and i am the one that gets hammerd.
foodstuff have emailed me and told me that they are keeping an eye on the situation but i dont see that sortin or helpin me in anyway. i think in future i will just use third party insurance as the cost of $1220 just is not worth it for what i get in return, as it was the other guys fault third party would of been just as good as fully comp, i am carefull i dont ride like a loon so it dont pay to get the best cover, thats my thought im off to cry now fuck the stress of this week trying to get through this i think that i will build a cage around my bike before i take it out again, that is when i get it back.




o well gota go source a cheap bike anyone got one in CHCH area its cash !! PM me

take care all and beware of those nasty insurance snares

Can not believe this sheit!!! $1,700, and U have a HD!!! Time to visit them, with a shotgun!!

[Conquiztador]

After reading the whole thread (yep!!) I can only say this:

I have never in my whole life had an insurance for any of my bikes or cages. At any time I have been in an accident it has always been the other parties fault and I have ALWAYS got the police involved.

I have saved, what.. say $1000/year over 35 + years... My bikes have mostly been of the type that have been tricky to insure anyhow: Custom ones.

Not saying that my approach is the one to take. But after reading this thread...

And one more thing: To have a HD off the road as a result of an accident for more then 2 weeks is BS. The parts are here, the guys that can fix it are here. Sheit, I'll do it for ya!! Just a JD (or two..)

[scracha]

After reading the whole thread (yep!!) I can only say this:

I have never in my whole life had an insurance for any of my bikes or cages. At any time I have been in an accident it has always been the other parties fault and I have ALWAYS got the police involved.

I have saved, what.. say $1000/year over 35 + years... My bikes have mostly been of the type that have been tricky to insure anyhow: Custom ones.

Interesting, but until I have a couple of million sitting in the bank then 3rd party insurance isn't a bad idea.

[fredie]

whats happening with these bloodsucking parasite scum

[dmouse]

at the moment and for the last few weeks ive been riding round on a 1973 suzuki GT250 a nice green metalic colour thats leaves a nice smoke trail of two stroke oil behind me, this was provided to me by my insurance company arnt they so kind to there customers that pay 1200 a year for insurance on there beloved hd but never mind i got an email on the 14th of decemebr i know because i was 50 on the 15th never mind but arlen ness had not sent the headlight and the insurance was running around in circles tryin to locate another one or work how to get the one from arlen`s store in the us of a.
so when do i get my bike back i duno it all depends on when everything gets back to normal ?, that is when everyone returns to work, then the stuff will have to go through customs maf and then onto the repair shop. and then onto inspection by me and the assesor to approve the work done to repair back the bike to as it was pre crash, how it will ever be the same to me is hard to think about as nothing can ever really be as it was it can only be close. but never mind if and when i get my bike back im getting amber lights to place on the sides of the bike so i get noticed and im found this high brake light for bikes that works off of a remote on your brake light, and when you use your brake it lights up six super bright leds that are supposed to go on your helmet but im going to mount the strip on my back between the shoulder blades at cage drivers eye level nowt else i can do to get noticed short of riding naked officer im trying to stay safe and make sure that im seen to be safe lol o well i will post when i get the bike back and if you want any more info pm me i aint going far on that 250 though i used to have a 380 of the same model a long time ago o well best of luck to you all for the new year and be carefull out there !!!

happy new year to all

[dmouse]

Hi guys n gals hope you all had your fill of merryment and are now sober and back to the grind of everyday drudgery....

ok as an update i had to phone my insurance IAG on friday to find out where everything is upto and now im told that there are two parts short to complete the rebuild of my bike, its funny bet before xmas it was a headlight holding things up ??? now im told that a lever and a bracket is holding things up, i have not been givien a completion date as of yet, and my contacts with the repairer have gone unanswerd im at a loss totaly pissed off this 250 that was supplied to me is now not starting good spark so its down to gas a blockage or something, im so pissed off i cant be botherd lifting a spanner to sort it out.

take care all out there you cant ride for yourself anymore you have to ride for the morons in cages allways check at least four cars in front and behind and watch them like a hawk cos one of them will do something stupid sooner or later o and dont forget to keep an eye on the sides of the road aswell idiots tend to lurk there as well, to ride you have to find open road and then onoly ride to your limits or you will either fill your pants or end up in a field with your rear wheel stuck in the back of your head, you are in control its in your power how you ride you cant blame the tools thats only a lame excuse you make to your insurance after the fact that is if you live and survive take care

dave

[ajturbo]

i think the MAIN reason for the hold up IS the harley group,
new zealand Harley shops are NOT allowed to talk to each other, they have to phone th eorder through to Aussy... who then wait till a container full of orders have been supplied... they then fax usa ( who really don't know what faxes are!)
then when they (usa) get around to it, they may get to send out the parts... if they want to..

but what me and a few other do is...

go online and buy our parts from the internet.. NOT from Harley, 10 days later your part is at your door at HALF the price!..
tell THAT to the insurance co....
but their answer?..... sorry cannot do that, have to go through proper channels.... wankers (little do they realise that they will save hundreds of thousands of $$$ a year IF (IF!!!)they let you do that!!!!!

[dmouse]

i think the MAIN reason for the hold up IS the harley group,
new zealand Harley shops are NOT allowed to talk to each other, they have to phone th eorder through to Aussy... who then wait till a container full of orders have been supplied... they then fax usa ( who really don't know what faxes are!)
then when they (usa) get around to it, they may get to send out the parts... if they want to..

but what me and a few other do is...

go online and buy our parts from the internet.. NOT from Harley, 10 days later your part is at your door at HALF the price!..
tell THAT to the insurance co....
but their answer?..... sorry cannot do that, have to go through proper channels.... wankers (little do they realise that they will save hundreds of thousands of $$$ a year IF (IF!!!)they let you do that!!!!!

i did exactly as you said above, i contacted www.customchrome.com who supply loads of harley custom parts and even Arlen Ness parts, i gave all the info to the repairer and left it upto him, he is not a harley dealer, the bike was placed with him after RollingThunder (Eric Woods) said it would be three weeks before they could look at the bike !!!, so it was placed with Christchurch motorcycles and the rest has been delays with suppliers not sending full orders, parts missing and some parts not fitting properly, i dont blame CHristchurch motorcycles at least they got stuck into the job from day one, what it all boils down to is tight fisted insurance companies scrimping on frieght, they orderd the parts to be deliverd by normal frieght, which is boat/ship, instead of useing air frieght.

i got an email this afternoon and i am told the bike will be back with me on monday the 21st of jan a week today so i am not building my hopes up to be shot down again, i will believe it when its back inbetween my legs where it belongs yes its a pure sexual thing lol hey at least i admit it take care

dave