F#K my life. Another crash. I need your advice.

[pzkpfw]

Your wife was at fault, what did you expect?

I'd guess he was trying to claim off his own insurance; not the busses.

If you ride off a corner on your bike, and have full cover, do you expect your insurance to pay, or say "your fault for going too fast"?

[imdying]

In my experience insurance companies will use any clause available to them to avoid paying. Since you don't have insurance her company will likely make things difficult for you.

They can try, but his beef isn't with them. In my experience even 'non English speakers' (yeah right) understand what being served with Disputes Tribunal papers means, and are quick to pay

[Oscar]

I wouldn't rely on it working. Insurance Ombudsman ruled against us when my wife forgot to put the handbrake on and the car rolled backwards into a bus breaking its headlight. Our WoF had expired the day before. Nothing wrong with the brakes (They passed WoF) either. No damage to the car. Broke an indicator on the bus. $680 indicator lense apparently.

So despite the experts I'm sticking with my story.

I don't understand.
The existence (or otherwise) of the WOF is irrelevant in terms of liability.‎
Your Good Lady was at fault, unfortunately. ‎

[Crasherfromwayback]

If you ride off a corner on your bike, and have full cover, do you expect your insurance to pay, or say "your fault for going too fast"?

Yep. That's what it's for.

[pzkpfw]

Yep. That's what it's for.

Exactly. Thus the forgotten handbrake ("her fault") can't have been the only issue in Jim2's case.

[Crasherfromwayback]

Exactly. Thus the forgotten handbrake ("her fault") can't have been the only issue in Jim2's case.

Correct. She was using a car that didn't have a current wof AND was at fault. Very different.

[Crasherfromwayback]

If you ride off a corner on your bike, and have full cover, do you expect your insurance to pay, or say "your fault for going too fast"?

I'll re phrase it. Yes, but not if your bike doesn't have a current wof. But if your bike is sitting at an intersection, without a wof...and a driver of another vehicle hits you, their insurance will still pay to repair your bike!

[imdying]

If you ride off a corner on your bike, and have full cover, do you expect your insurance to pay, or say "your fault for going too fast"?

If they can prove "too fast", then they're not going to pay... I haven't studied my current policy, but I assume it excludes things like negligence, and anything that can be proven as careless driving.

[Oleg]

Wot he says. Besides...you were on your way to get the bike wof checked at the local VTNZ station weren't you! Not having a wof is like no having a licence. Dosen't mean an insurance comapny doesn't have to pay you out if their driver is at fault.

And I sell insurance and deal with insurance companies all day every day mate.

Good luck with everything.

yeah 7 pm makes it a bit difficult.....
Point taken tho. Did anyone have to deal with westpac insurance? who would be decent people in aux for an appraisal and where the hell would i get the bike trailer from?

[Crasherfromwayback]

yeah 7 pm makes it a bit difficult.....
Point taken tho. Did anyone have to deal with westpac insurance? who would be decent people in aux for an appraisal and where the hell would i get the bike trailer from?

Any decent bike shop will come and collect it for you mate!

[imdying]

Yes, bike shop will collect, and they will itemise everything.

It's no biggy, they do it all the time, don't fret about that part.

[Oleg]

Any decent bike shop will come and collect it for you mate!

Thats good. Sorry for sounding like noob. first time that shit hits the fan for me...
How long do you reckon the process would take?

[Crasherfromwayback]

How long do you reckon the process would take?

Hard to say mate. There are a lot of variables with each and every case.

[Tunahunter]

You guys are funny.

No WoF = fucked.

Your WOF isn't an issue as it wasn't a failure on the part of your bike. (Quote 'one of six')

So who's right here? - I wish the people who make these comments could let us know what credentials they have to make such statements - maybe a live example or quoting some authoritative reference

[Oleg]

Your WOF isn't an issue as it wasn't a failure on the part of your bike. (Quote 'one of six')

So who's right here? - I wish the people who make these comments could let us know what credentials they have to make such statements - maybe a live example or quoting some authoritative reference

Im lost as f#k here as well. just gona go by the words of Ferkletastic and Crasherfromwayback that wof isnt that relevant to this accident.