PLEASE get yourself some insurance!

[BMWST?]

That's not what he said.

you are right but it is what he meant I think

[slowpoke]

As a point to note for you impatient folk, the question was asked at the time, what if I had been indicating left and continued straight on? The response from the the constable was it makes absolutely no difference: if you are at a give way sign you must give way NO MATTER WHAT. I could have been indicating, pointing, everything indicating I was turning, even hit him with my left indicator still blinking, he would have been in the wrong.

I tend to err on the side of caution (just like my racing, d'oh!) but it makes ya think about all those times you've pulled out in front of someone indicating one way or the other eh? If they change their mind you are screwed, no matter what.

[steve_t]

As a point to note for you impatient folk, the question was asked at the time, what if I had been indicating left and continued straight on? The response from the the constable was it makes absolutely no difference: if you are at a give way sign you must give way NO MATTER WHAT. I could have been indicating, pointing, everything indicating I was turning, even hit him with my left indicator still blinking, he would have been in the wrong.

I tend to err on the side of caution (just like my racing, d'oh!) but it makes ya think about all those times you've pulled out in front of someone indicating one way or the other eh? If they change their mind you are screwed, no matter what.

Yeah, it's kind of crap that that's the way it is but I guess it has to be that way or the other party would always just claim that the other one was indicating to try and shift blame

[sinfull]

Must have been some brain fade Spud, there's like 20m of curve before you'd get to where he comes out ! He must have crawled out of there in low range or just freaked and stopped dead in ya path !



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[Captain_Salty]

someone approaching an intersection while indicating left may also be intending to pull over to the side of the road, just beyongd the intersection. I've seen it a few times so yea, you cant assume anything.

[slowpoke]

Must have been some brain fade Spud, there's like 20m of curve before you'd get to where he comes out ! He must have crawled out of there in low range or just freaked and stopped dead in ya path !



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Way hey, good work on the piccy! Yep, the latter I think. There were three passengers in his car so who knows what distractions he had, but he's had a brain fart and thought I was heading down alongside him rather than following the main road and just pulled out at the last minute. The classic go-stop-go kangaroo hop when he realised his error just made contact inevitable.

[Oscar]

You're dreaming, the insurance companies will anally rape you with rusty barb wire and no lube

Normally we stay clear of anal and/or barb wire, but in your case we'll make an exception.

[James Deuce]

Good to hear you're all right.

[Edbear]

I was a very un natural mother, not only did my kids cars have to be insured, they had to have the current excess in their bank accounts at all time, just in case

Sigh, there you go, being all reasonable again... Teaching your kids to be responsible, doncha know that's not the way it's done these days...?

My step son is 17 and on his restricted - his 3rd party insurance is $7 a fortnight.
Surely everyone can afford that? There is no excuse at all for not having 3rd party insurance.

If only all parents could have the same views, eh..?

Good to hear you're all right.

And wot he sed!

[Ferkletastic]

Good message, I'm pretty evangelical about always having 3rd party cover as I used to be a claims debt recovery officer for a major insurer and have seen many young peoples financial situations massively dented by a lapse of judgement mixed with the bad luck of hitting something expensive.

One of the reasons I left the industry to be honest.

The word I had from those in the know is that the major insurers don't want 3rd party to be compulsary because then they have to cover everybody and lose the right to refuse cover based on high risk.

[Scuba_Steve]

Yeah, that young guy will get hit with 'careless driving' or whatever it's called as well. What are the arguments against compulsory third party insurance as a minimum? Is it that PC bollocks about removing people's freedom to choose etc etc?

All compulsory insurance would do is skyrocket the prices for everybody, it would achieve little else.
Last study I saw into it (AA I think) showed most drivers were insured & of those that weren't most of them couldn't be

[St_Gabriel]

If someone is not insured, not my problem. I am comprehensively insured and dont have to be too concerned with the other parties side of things. Their choice and they have to live with that decision.
When I had my accident, the guilty party asked what she had to do, my reply was that I was going to ring my insurance company..... (This is of course after the police had attended and taken statements from all parties)
The reason I said I didnt have to be TOO concerned about the other party, I was obligated to turn up to the disputes tribunal to assist the insurance company in getting a ruling.

[davereid]

.. I am comprehensively insured and dont have to be too concerned with the other parties side of things. ...

Even if you are only third party insured, as long as you can identify the at-fault party your insurer will pay to repair your vehicle.

Thats why I dont support compulsory third party. As I have it, I dont care if the other chap does not. But if it is compulsory, it will be expensive.

A sleeping dog best left asleep IMHO.

[scumdog]

Even if you are only third party insured, as long as you can identify the at-fault party your insurer will pay to repair your vehicle.
.

News to me.

I have been labouring under the impression that:
If you are 3rd party insured and if somebody else was a fault and crashed into you and they were not insured it was bad luck for you...

[FJRider]

News to me.

I have been labouring under the impression that:
If you are 3rd party insured and if somebody else was a fault and crashed into you and they were not insured it was bad luck for you...

News to me too ...

According to Google ...

Third-party insurance ... Definition

Liability insurance purchased by an insured (the first party) from an insurer (the second party) for protection against the claims of another (the third) party. The first party is responsible for its own damages or losses whether caused by itself or the third party.