Don Vito
What crap, the person who owned the expensive car will get a payout from their insurance company minus excess, then the insurance company will try and claim the money out of the person at fault using the courts if needed - first payments going to the car owner to cover the lost excess.Originally Posted by Balding Eagle
In plenty of cases the person at fault ends up paying whatever amount at $10 a week for who knows how long...if they pay at all...big deal...
"I'm gonna get to the bottom of this, and I dont give a fuck if you're at the top!!!"
Team Mango
This is becoming pointless.
I think the bottom line here is that people need to be responsible members of society and there are people that just don't give a shit ...
A lot of them seem to have posted on this thread ...
So how this ... step up .. be a fuckin man and accept that the law is the law and is there for your protection ... if you want to disregard the law, that's your choice, but when you crash into my car .. I'll be disregarding the law as well and I'll be smacking your stupid head in with a tire iron.
It's fuck wits like you and the others in this thread that agree with you, that fuck it up for the rest of us and i, for one, won't be standing as an honour guard at your funeral, because, you know what .. you will die and do you know why?
It's because your a Dumb Ass!.
Scooter boy
Well said Warlock.
Don Vito
I'd love to see how that would pan out...hahahahahaha...any way would be entertaining...but I'd be betting on the guy without insurance...
"I'm gonna get to the bottom of this, and I dont give a fuck if you're at the top!!!"
Team Mango
Ladies and Gentlemen of the Jury ... I rest my case.
Don Vito
Correct, if it panned out in your favour you probably would be the one facing the jury...
"I'm gonna get to the bottom of this, and I dont give a fuck if you're at the top!!!"
L-Plate Rider
fuck. some of you need 2 settle down! i was just wondering if a 400 would be better than a 250 since i have experience in opertating a bike,and driving on the road. some of you are all being fucking retards saying that i said im hot shit etc etc (you are only saying that because you are edging the other people along,listening to hear-say instead of what i said myself,how stupid) thanks for the people who could understand what im saying and answered my question properly (positively AND negatively),as i thought this would be a good place 2 ask questions about fucking motorbikes. oh,if all you faggots get so angry that easy,maybe your emotions have too much of a grip on you to let u ride a bike. especially you,"warlock"
Hardcore Biker
Pervert the main point here is:
If an insurance company can avoid paying out they will. If you are riding a bike outside of your license conditions and someone rear ends you for example and totals your bike and you survive that insurance company will pull out all the stops to not pay out as you were on the road illegally.
And if you do have the misfortune of slamming into a really expensive car and seeing your really smart declare yourself bankrupt to avoid it..........just dont expect any finance for the next 7 years.
To those that say chances of hitting an expensive car is low, tell that to the people that that totalled my mates 100k Merc on a learners license..........they are still paying to this day 8 years later and trust me they are paying more than $10 a week!
Team Mango
You have my appoligies for my outburst. I do tend to get emotional about this subject as i have had a car written off by an uninsured biker.
In nicer terms.. regardless of your ability, riding outside the conditions of your license is never a good idea
Now i'll go back to my corner and shut the hell up .. lol
Loud and Uncouth
Plenty of people end up paying after insurance companies 'go' them for the damage caused - sure a FEW end up paying "$10 a week" and it may seem a giggle to you - but try and get a loan, a good credit rating etc when you owe $20,oo or similar in reparation.
The ones that end up paying a meazly $10 a week are probably peaking in life and are never likely to get anywhere anyway so getting a good credit rating etc is not likely to be an issue for them........
Winding up drongos, foil hat wearers and over sensitive KBers for over 14,000 posts...........
" Life is not a rehearsal, it's as happy or miserable as you want to make it"
Moped rider
They say that you shouldn't hit send after a few beers. It was 10 at night, I was in LA and it was after a social evening and I was surfing my favourite website.
Nuff said BUT.
I was rear ended by an uninsured driver in October last year. The first comment of concern from the driver was "I am not insured." She was taken to court for dangerous driving causing an accident, found guilty and ordered to pay costs including the insurance company for the damage to my car and another, and the medical expenses that I incurred. Neither the insurance company nor myself have seen a bean. Now she is being taken to the other courts of the land for restitution. It might be a fruitless task but she will be taken to the cleaners if she does have any money.
So now you might see where I am coming from. There are organisations within this country who are trying to advance the position of NZ bike riders (BRONZ for example) who have a hell of a tough time with stupid politicians because there are too many in the biking community who are irresponsible and they see that there is a need to legislate against them. If all bikers were responsible in this regard, those trying to do their best on our behalf might have greater success.
However, I am sure you are under 25. You should read some books on human brain development. It is a fact that the frontal lobe does not become fully developed until the age of 25. Insurance companies don't pick this as an arbitary age. Until the frontal lobe is fully developed, we lack the ability to comprehend the dangers of our actions. This is why all the fighting forces of the army and airforce are populated with those under the age of 25. After this age you realise that you are no longer bullet proof and you are no longer so keen to try and kill someone because you then realise it might happen to you.
Might I strongly suggest that you give up the idea of the 400 until it is legal. There are plenty of 250s out there with sufficient power. I started on a Honda Hornet 250. I don't think it would be allowed in the UK as a learners' bike because they have a power limit of 33hp and don't worry about cc rating. The Hornet left many a bike behind.
Some sound advice (which you did ask for) from an older bugger.
Last edited by Balding Eagle; 13th December 2006 at 12:15. Reason: correcting facts
Life is for living; live it don't bitch!
Forum whore
Don't ride like a twat, keep your head down, and you'll be fine.
The legal aspects are bit neither here nor there to me. Sure, you run the risk of being pulled and ticketed. You'll take a financial hit, but that is somewhat offset by the excessive price you'd otherwise pay for a race rep 250.
The saftey issue is one that only you can address in your own mind. Bikes can be savage teachers, and generally the more powerful, the more savage. Go riding like you're Rossi when you're learning, you'll hurt yourself. But you could do that on any bike. Sure, the extra 150cc make is a little easier, but a ZXR400 is far from an unmanageable beast.
Your obligations to other in terms of damage payments... one would like to think you'd honour those if it were to become an issue. 18 months isn't that long a time to keep your nose clean though, again is comes down to not riding like a twat.
If you can manage that (because of course, some clearly can't, someone on here who had a ZXR and now has a car is a fine example), then go right ahead. You'll be a minor criminal for sure for 18 months, but I for one won't be lumping you into the rapist/drug dealer collective.
Basically you've heard all of the pros and cons, this thread has pretty much run its course. Only you can decided whether the pros outweight the cons.
Something else to consider... the major advantage is not being raped in the wallet by buying a race rep 250 (you could of course get a GN/CB). It's worth remembering that you'll probably be able to sell it in 2 years for reasonable money. Something else to think about is that the money you'll 'save' by getting a 400 might be eaten by the aforementioned fines, or repaying someones insurance
Forum whore
Unless he kills someone like so many other learner and restricted drivers in vehicles too powerful for them?
If you're riding over a 250cc bike on a restricted then you're basically unlicensed. The roads are a scary place with all the unlicensed (not to mention pissed or high) drivers in this country in high performance vehicles or 4x4's and I wish they'd increase the penalties and start putting more of them in jail.
A lot of you seem to be implying to this guy that the law is an ass and it should be ignored with regards to riding a 400. I'd agree the law is an ass but only as far as allowing 15 year olds to drive and letting restricted riders out on 250's.
Like it of loathe it the restricted licensing system was implemented for a reason and it HAS reduced young driver deaths and injuries.
I honestly hope "benbuddy" buys a 250 and has a lot of fun on it before sitting the full license.
Benbuddy: The only "stupid / fucking / emotional / retard / faggots" (did I miss any of your nice adjectives?) are the unlicensed riders/drivers who are to arrogant to obey a perfectly valid law IMHO
Last edited by scracha; 14th December 2006 at 05:32. Reason: tyop
L-Plate Rider
insurance works.....7k for plastics and etc on a 2 week old bike!
Registered User
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