They Finally Got Back To Me!

[shaunvlc]

Hey guys, after 3 months of waiting the Insurance debt collectors have finally gotten in touch with me. This time they asked for even more money. They attached images, reports and assessor info. The first price they gave was $3800.00 now they are asking for $5000.00!!!!

Im unsure of what to do as i look at buying a house in the next year or two and dont want a bad cross against my name if i choose not too pay it.

Firstly i was never given any rights to this.

- I never was offered three quotes.

- I was never given the choice of the repairer and which quote to use

- The only time they call me is when they want money.

- I was kept in the dark about eveyrhting until now.

Its total bs guys, i have a kid on the way in a few months and i have these pr i cks trying to take me for everything they can. I have not informed my old folks about it as they would spit chips bigtime if they found out i crashed into a car hahah. and they would prob take my bike off me as punishment. People say go to court etc, well thats all well and good but i may be charged for riding my bike on the road losing my drivers licence, paying fines etc. and then sitll have to pay the debt. Putting me further behind. Can anyone give me any logical advice?

Not advice like "man youve been raunted, ignore their calls", this doesnt help as these pricks will continue to hassle me.

[Neuroglider]

Wait do you have insurance yourself? 3rd party or Comprehensive?

If you don't i'm not entirely sure, uhm... You can call the Insurance company and ask them about their policies (before stating that you've had an accident) I don't know if I heard it right once, but apparently they don't need 3 insurance quotes anymore, just 1 is fine or something.

But all I would do is ring up and try and work around it by getting it cheaper, I was almost rooted like that once (i had insurance, but the chick tried to get 1800 for me putting a little dent in her crappy hyandai door...) But yeah... Not honestly too sure with those kinda things... Sorry dude :S

[Dani Boi]

Hey you dont get to choose the repairer for her car and nor do you get to choose the quote you want to use for her repair bill, this is all her insurances business...And yeah its normal for insurance comopanies to keep you in the dark, you need to make te effot to call up and ask them whats going on.

Jump in a plane and fly to mexico I say

[shaunvlc]

thats shocking hey.

seriouslyt whats with hyundais?

it should have been a write off ahahha

nah i will have a word to them today. offer them one lump sum payment and see what they can do. they usually reduce the total.

and btw i didnt crash intp the accent in a car. i crashed my mx bike into it. whats funny is the bike only suffered a few scratches and the hyundai received a bent chassis rail, banged up cross member, screwed reo bar, broken front bar etc. they really are shite cars

Edited May 7, 2009 by shaunvlc

[ix9]

Talk about half a story post dude :| Did u make a previous thread about it?

In short, you crashed your motorbike/dirtbike into a car. Damaged it, and now you have to pay $5k?

If you had insurance, you wouldn't be in this position.

Suck it up and deal with it :|

[shaunvlc]

here we go. always some dik in every thread.

are you retarded or do you not understand?

to be insured for riding an mx bike you must be on a licensed track or in a proposed riding area. They will NOT pay out a claim for someone who is riding on the side of the road.

This may help you understand better: People who crash a mates car and their insurance policy doesnt include other drivers then the insurance company wont pay out the claim. Works on the same principles.

Everything you said above was pointless, i asked for advice from people who may have been involved in a similar situation in the past. I do have insurance for my car only!

[ossie_21]

Original thread: http://www.skylinesaustralia.com/forums/Ch...rs-t259587.html

Just pay, it's been too long & bringing up the new kid thing to get any sympathy won't exactly help. Otherwise having a kid on the way while you're being sued for money will be a great experience.

[Messiah]

here we go. always some dik in every thread.

are you retarded or do you not understand?

to be insured for riding an mx bike you must be on a licensed track or in a proposed riding area. They will NOT pay out a claim for someone who is riding on the side of the road.

This may help you understand better: People who crash a mates car and their insurance policy doesnt include other drivers then the insurance company wont pay out the claim. Works on the same principles.

Everything you said above was pointless, i asked for advice from people who may have been involved in a similar situation in the past. I do have insurance for my car only!

Yeah but unfortunately you missed his point too...

You were riding a uninsured vehicle and hit an insured one which was i assume, on the road, hence you were riding on the road at some time.

So yeah.. you screwed up big time, and will have to deal with whatevers handed to you.

You porbably already know that tho, so please done thing i'm taking a pot shot at you.

When it comes down to it the insurance company is not obligated to do any favors for you. The owner of the car would get to choose her repairer and that would effect the ammount it cost to fix things (hell she might even have thrown in a few more repairs and covered them under the accident for all you know). The insurance co has an obligation to pay that bill for her and will now do whatever it can to mitigate as much expense as it can.

As you you have no insurance, they'll gun for you, and will hit you for every penny they can.

Again you already know this...

So it comes down to this... bend over and take it, if you choose to lube up or not is your choice...

by that i mean give the insurance company a call... play friendly and tell them you dont have 5k but would like to come to some kind of agreement, make your pitch for a lower lump sum, they might take it. if not ask them about a payment plan. As long as you have a payment arrangement sorted out you'll avoid having yr credit screwed,

Just get an agreement nailed out... any agreement you can accomodate, and stick to it.

You'll end up walking funny for a bit, but you'll avoid getting too many ass stitches.

Edited May 7, 2009 by Messiah

[ossie_21]

Wow. Just wow.

As far as I know, the member above your post isn't the one that was doing some illegal, then something stupid that resulted in someone's property being damaged. So calling him a dik (sp) & retarded is a bit far fetched. All he said was deal with it, which is what you need to do, unless you want to lose more money from the situation.

If I was the guy who's car you crashed into & I was 5 grand out of pocket over it, I'd be pissed off as well. Also, sure it might be a hyundai accent & you're very funny for saying that damaging it is more of a favour, but it's someone elses car & you haven't got a clue what most peoples circumstances are & that might be the best they can do in the situation. The insurance company will fix the car if it's less than what the car is insured at, which is why they are chasing you for the money.

Now if you understand all that & actually want to listen rather than abuse people, read this:

My mum has a Mistubishi Lancer station wagon (92 I think). She was taking her boyfriend to work one morning & was behind a 4wd. Residential area with roundabouts, doing 50 etc. It was bulk collection time & this person must have seen something that interested them, and all of a sudden this 4wd stopped in the middle of the road. My mum was wondering wtf was going on, when all of a sudden it reversed into my mums car, even with how quickly she was on the horn.

Anyway, the spare tire on the back was what caused all the damage. Dented the bonnet, radiator & god knows what else. That car was insured for what I think was $5000. The damaged was around $4800. Insurance wouldn't pay out the policy for an old car with 300k+ km's on it, and it got fixed. So yes, the damage done by this 4wd could be similar to what happened to the accent, a combined 160kg odd will cause damage if it hits something at 50kph.

here we go. always some dik in every thread.

are you retarded or do you not understand?

to be insured for riding an mx bike you must be on a licensed track or in a proposed riding area. They will NOT pay out a claim for someone who is riding on the side of the road.

This may help you understand better: People who crash a mates car and their insurance policy doesnt include other drivers then the insurance company wont pay out the claim. Works on the same principles.

Everything you said above was pointless, i asked for advice from people who may have been involved in a similar situation in the past. I do have insurance for my car only!

quoted for proof

[shaunvlc]

cheers mate, thats exactly what i wanted to hear, a straight forward answer explaining my options (which are very limited)

I told the lady on the phone yesterday, i said straight out.

" ive done the right thing by giving my details, choosing to do the right thing and pay this debt" I told her i could have given a fake name as i never took off my helmet and would have never heard another thing about it all and gotten away with everything. but im too honest to do that and im heaps superstituous when it comes to carma.

But yeah i will have another word to them today and see what discount they can do me if i pay a few large lump sump payments instead of weekly direct debits. She was very nice and understood my situation which is good.

When it comes down to it i realise i did the wrong thing. heck its a small town and the need to use utes/trailers to take your mx bikes out to some bush was not necesarry. however i wont be letting my tyres touch a paved road ever again. The authorities in kalgoorlie dont seem to care too much for people who ride their bikes on the roads as long as its safe however i wont be risking this again.

A 10-minute moto ride cost me $5000.00!!!!! Its just not worth the risk anymore and last weekend was the first time i rode my bike since the accident. I am happy i didnt end up with a broken leg or even worse, dead. Cheers for eveyones input its jsut hard coming to terms being honest has cost me $5000 bucks.

[bubba]

Great thread, will read again.

[shaunvlc]

sorry to the guys that were trying to offer advice. i acted like a dick myself. I was mis-informed about what my options were by some people in the past saying i had the right to request 3 x quotes, choose the quote etc etc etc.....

Turned out as said above that info was incorrect. It's just a bit terrifying knowing im in debt.

I thought people were trying to take a stab at me or something.

never the less mods can close/delete thread as my questions have been answered.

[Pattygtst]

good luck with it mate. Its a harsh lesson but who knows how valuabe that may have been for the future. If you play poor they may settle for a lower figure.

[shaunvlc]

well she said i cant choose the amount to be deducted each week its calculated on my earnings so yeah i played it hell poor. she was like oo your not left with much etc ahaha. but i would rather get rid of it and move on than have to see the debits coming out of my account for the next year or two.

it is a lesson learnt thats for sure. I took riding in public areas for granted. I can now see some sense as to why its not permitted. It's just not safe for anyone. Im lucky i hit a parked car on someones lawn than a car travelling at 50kph down a road. I considered myself lucky when i walked away from it and a police report was not written as it would have definately resulted in a loss of drivers license and some fines to boot.

[reNEGaDe88]

+1 for great thread.

Dude, don't get agro. ix9 wasn't calling u a dick. He was just being honest. Which I would appreciate. Don't get agro as if he ran over ur dog.

But yeh, its unlucky. But thats how it is. So yeh, good luck. With the salary it should be ok. Cos its a % and I don't think they can take 100% of it

[Onthehunt]

Keep a lid on things guys.

Post if you want to offer help, any other comments out of line and I will close this thread.

[shaunvlc]

gave them a call today came to a better/easier agreement. Instead of paying installments every week of 'x' amount of dollars i asked about making two larger payments to pay off the debt and she was more than happy to help me out. She was actually very very accomodating to my situation....

She has given me 6 weeks to pay off the debt however if it is paid before the 6 weeks she will reduce the total down to $4000.00 so all i have to do is make two payments of 2000. Piece of cake.

Once again sorry to all. I may have worded things poorly in my previous posts. Im not in a bad mood anymore haha.