Oh shit - that's gonna cost...

[slimjim]

yup even insurance company's will try to screw ya's , til ya's go too high court and thier clients then tell another story, humm so yup full cover is fuck ass cheap , why ride with worry, when riding is about freedom in all case's one's self choice , one's life style , and the other side is , the wife is covered so she aren't worried either , and that's a fucking god send

[CookMySock]

i believe in doing whats right by me and others.

I used to believe this too. But everyone else did what they believed was right, without care or consequence as far as I was concerned, I got shafted every time.

One day I got done one time too many, and I angrily and rudely told them to FUCK OFF and now they treat me with respect and don't try to rip me off - treat me as peer even.

So now I do whats right for me.

DB

[nallac]

I used to believe this too. But everyone else did what they believed was right, without care or consequence as far as I was concerned, I got shafted every time.

One day I got done one time too many, and I angrily and rudely told them to FUCK OFF and now they treat me with respect and don't try to rip me off - treat me as peer even.

So now I do whats right for me.

DB

oh hell yes if the shit hits the fan I'm all for me and only me
fuck every one else,
if any one tries to screw with me or my friends /family they better watch out.

but have to give em the benifit of the doubt first.

[Shadows]

Lets assume that you have an "at fault" accident - how far would you be willing to go to "make good" for the other owner (assuming significant damage of $20k excluding your bike).

What the fuck are you on about? Its always the cager's fault isn't it?

[Bren]

Well, I have been driving/riding for over 20 years now, and the only time I have been insured were in my first five years...I have NEVER had an accident in a cage and only a couple of small bins on a bike (and that was when I was insured). I have never claimed insurance as the cost of repairs was less than my excess...

[McJim]

I have fully comp on 2 bikes. The premiums are going down.

I have had terrible luck in NZ so far. I have been hit by uninsured drivers twice and have had difficulties with my own insurers on each occasion (funnily enough I don't use those insurance companies any more....)

I wish every other fucker was insured.

As far as making me dride carelessly? The cost of premiums will rise and eclipse any benefit so I ride just as carefully as if I had no insurance. My motivation is to replace my bike when I get hit by another uninsured fuckwit.

[TOTO]

insurance all the way !

[Renegade]

Having been in that position (not now) They took me to court - Disputes Tribunal. I maintain that I wasn't at fault but the judgement went against me. I owed $4k. No right of appealling the decision except on procedural grounds. They can now enforce those orders but the winner has to go through the courts for collection.

The question you're asking though is, would I pay if I was at fault and could afford it? Yes. IF I was at fault.

cola makes a good point in the fact that IF YOU BELEIVE / ACCEPT you were at fault unlike cola, what would you do? i voted option 3 if in that situation, but im covered by option 1.

[Gremlin]

If I hit someone elses' vehicle they better be insured. If someone hits MY vehicle, they better be insured LOL.

HTFU and dont cry.

I'll bite...

A mate, riding home at night after work. Car pulls out of driveway right in front of him, guy was drunk (and uninsured). Mate pretty much totals bike and ruins front end of car, guy runs. Cops catch him, goes to court etc, guy is guilty, has to pay my mate $10 a week.

Never saw a single payment.

[CookMySock]

I'll bite...

[yeah yeah yeah]

Never saw a single payment.

message for said mate ;

SHARPEN UP DOOD !! YOU GOT RIPPED OFF ! The stupid moron pisshead that hit him was laughing all the way to the pub.

If someone breaks something of yours, go and angrily grab them by the fucken neck and talk to them through your teeth, and dont let go until they pay up. or just go cry, sweetie..

If you want to insure, then insure. If you dont then HTFU and dont let people push you around, Son.

DB

[nallac]

two broken legs will soon fix the no payments.

[Tank]

message for said mate ;

SHARPEN UP DOOD !! YOU GOT RIPPED OFF ! The stupid moron pisshead that hit him was laughing all the way to the pub.

If someone breaks something of yours, go and angrily grab them by the fucken neck and talk to them through your teeth, and dont let go until they pay up. or just go cry, sweetie..

If you want to insure, then insure. If you dont then HTFU and dont let people push you around, Son.

DB

two broken legs will soon fix the no payments.

Yeah - that works in the real world - wake up.

1/2 the time the 'other guy' is going to be bigger than you, 1/2 the time the guy wont have the money anyway - so you cant get blood out of a stone, and the other (um) 1/2 of the time you get done for assault and get worse punishment than the guy who caused the accident.

HTFU ? Get real more like it.

[Squiggles]

$26 a year to cover my run to and from uni and around the streets of auckland on a gn, thats 3rd of course, but living in the middle of 4wd territory and amongst several schools, i'd rather be safe than sorry the tl on the otherhand, full cover all the way, because it took long enough to afford it for me to not want some cunt to take it all away with no comeback

[The Pastor]

I didnt have insurance when i binned my bike into a car.

I fully paid for the repair work + a little extra to make it nice.

It was less than my insurance exess + yearly annum would cost.

That was my 2nd no insurance at fault accident

In my experiance, no insurance isnt as bad as people make out - although it would be nice to have it. (and i try to have it whenever possiable)