It's soooooo unfair (sniffle)

**StoneY** · 24th January 2012, 05:36

Originally Posted by rastuscat

Yes, and KB members always deny fault, even if it's obviously theirs.

We do fuckin not.............. how can we ever be at fault? We are Kiwi Bikers after all man wake up!

**davereid** · 24th January 2012, 06:37

Originally Posted by GrayWolf

no it doesnt.. You constantly 'misquote' this.... as the opening page on your insurance companies website states, 3rd party ONLY covers damage YOU do to another's vehicle or property...
the $4000 dollar 1st party cover they provide is their own ADDITION to the cover

Yawn. Buy the third party policy, you get the first party cover.

You are clearly clever enough to find somewhere you can buy third party and not get the first party cover, so piss off and spend your money there.

I will buy the third party policy that gives me the first party cover.

**MSTRS:Me** · 24th January 2012, 07:14

Have you ever 'put it to the test'?

**sleemanj** · 24th January 2012, 10:04

Originally Posted by MSTRS

You cannot prosecute them in traffic court and if they didn't get a ticket from the cops for causing the crash, or successfully defend it, you get nothing.

This is what the disputes tribunal is for.

Have had exactly the situation you described some years ago, me 3rd party STATE, they AMI, they denied liability, STATE could not help because they denied.

Went to disputes tribunal (both the driver and the insurance rep appeared). I won. AMI paid me out.

Of course if they hadn't been insured it would have been more difficult, but by no means impossible, once you have the DT ruling there are means to extract payment if they are not forthcoming.

**MSTRS:Me** · 24th January 2012, 10:22

Originally Posted by sleemanj

This is what the disputes tribunal is for.

*rare success story*

Of course if they hadn't been insured it would have been more difficult, but by no means impossible, once you have the DT ruling there are means to extract payment if they are not forthcoming.

There are means...he's called Bubba. And sometimes that's the only recourse you have...

**rastuscat** · 24th January 2012, 14:16

Interesting to see where this thread had careered off to. Ah well, so be it. e still have to find another 29 pages, so bring it on.

Popos attend crashes for a number of reasons.

The NZTA has a CAS database based on TCRs (Traffic Crash Reports), so the beast needs feeding. Popos turn up, do an analysis, fill out the report and move on to the next job. The top copy of the TCR goes to the NZTA, and everyones happy, except the poor buggers who crashed. The stats are used for a lot of reasons, which is the subject of lots of threads here anyway. Charlie Lamb can give you a really interesting view on CAS, I have a few too, but that's another story.

Sometimes (most times actually), when you do an analysis, however brief, it leads you to see who/what caused the crash. Once you have learned who caused it, normally you write them a ticket for the offence which led to the crash. Nobody deliberately causes a crash, but anyone who breaks the rules badly enough to have caused a crash probably deserves to be prosecuted.

For example, I see someone pull out of a give way into the path of an oncoming vehicle, which brakes to an emergency stop 6 inches short of the numpty who failed to give way. I write the plonker a ticket for failing to give way, or maybe careless driving. If I attend a crash where someone has pulled out into the path of an oncoming vehicle and a crash has resulted, why wouldn't I write the same ticket or worse?

Anyway, back to point 1. Often people call the Popos to attend a crash they are involved in to make sure their insurance company will pay out. Confirming details, liability, all that sort of thing.

So we have several parties that want to Popo to attend, but all for different reasons. One thing that shocks people is when we tell them that we can't make anyone fix their car. That's the role of first the insurance companies, and the disputes tribunal if the insurance can't sort it out.

In summary, the Popos don't attend crashes to help people get their vehicles fixed. We attend to offer assistance, prevent further injury or damage (clear the road etc), gather stats, establish liability, and take such action as is necessary based on our view of liability. Probably a couple of reasons too, but those are the main ones.

Wanna get your vehicle fixed after a crash? Have full insurance. It's not fool proof, but it's the best chance you have.

Donuts.

**baffa** · 24th January 2012, 16:38

Originally Posted by davereid

Rant.

Wat.

You seem to make sense, and then go and undo it all again.

Re my last post, I work in insurance, so I have a fair understanding of how it works. I see time and time again poor advice given online, so I'm just pointing out what should already be obvious.

**scumdog** · 24th January 2012, 17:10

Originally Posted by rastuscat

Often people call the Popos to attend a crash they are involved in to make sure their insurance company will pay out. Confirming details, liability, all that sort of thing.

Too often I get people turning up to work a bit of time after a fender-bender saying "Aw we didn't want to call the cops, he said he was in the wrong and so we thought we'd sort it out amongst ourselves but now he won't pay, he reckons it was my fault, what can you do to make him pay"?? .

THAT is why I say get the cops involved at the scene, it's too late two weeks after the event.

Of course if you suspect you are 'in the wrong' your thoughts may be different...

**red mermaid** · 24th January 2012, 19:08

I know how you feel, everyone is an expert especially on KB, at the job they dont do.

Originally Posted by baffa

Re my last post, I work in insurance, so I have a fair understanding of how it works. I see time and time again poor advice given online, so I'm just pointing out what should already be obvious.

**scumdog** · 24th January 2012, 19:14

Originally Posted by red mermaid

I know how you feel, everyone is an expert especially on KB, at the job they dont do.

Troo Dat.

Might be fun if we knew what some of the others on KB do for a job..... - we may be able to give them 'expert' assistance to do it properly...

**Edbear** · 24th January 2012, 19:23

Originally Posted by scumdog

Troo Dat.

Might be fun if we knew what some of the others on KB do for a job..... - we may be able to give them 'expert' assistance to do it properly...

Wunderful idea! I sell and supply fire protection equipment, dive camera masks and Shorai batteries.... How do I make my first $million in the next six months?

**Scuba_Steve** · 24th January 2012, 19:24

Originally Posted by scumdog

Troo Dat.

Might be fun if we knew what some of the others on KB do for a job..... - we may be able to give them 'expert' assistance to do it properly...

I post on KB & surf teh interwebs...

I'm sure theres something more important their paying me for tho?...

Telecommunications - What advise ya got for me???

**skippa1** · 24th January 2012, 19:25

Originally Posted by scumdog

Troo Dat.

Might be fun if we knew what some of the others on KB do for a job..... - we may be able to give them 'expert' assistance to do it properly...

I could do with some helpful advice or assistance

......I'm a buisness manager and want to be a gazillionaire