Car Crash...

[typevu]

Sorry to hear about the accident. Since its not your fault hope you can claim as much back from his insurance as possible!

But seriously, no insurance on an R32 GTR? Even my shitbox daily I drive to work and shops and whatever has third party - first few days of driving it with no insurance it just didnt feel right - I didnt care about the car but if I were to run into something $100k worth I'd be reamed up the rear end hard.

[mojave15]

  mid life crisis said:

so one would guess you dont have insurence either ?

Your absolutely right. I don't. It's a free country.

[typevu]

  mojave15 said:

Your absolutely right. I don't. It's a free country.

  mojave15 said:

As far as I can see no one's come "crying to you when the house wins". A little bird once told me if you ain't got nothing nice to say then shut the f**k up! Nice of you to put the cliches and metaphors in there for those of us too retarded to understand your real issue tho.

Yes, it is a free country - anyone should be able to voice their opinion as they please.

[Dohmar]

  mojave15 said:

As far as I can see no one's come "crying to you when the house wins". A little bird once told me if you ain't got nothing nice to say then shut the f**k up! Nice of you to put the cliches and metaphors in there for those of us too retarded to understand your real issue tho.

rofl cry me a river.. this is a forum, i thought i spelled it out easy enough for plebs like you to understand - tho you could do well to take your own advice about STFU, cause you've added nothin to this discussion so far.

Sure the guy hasnt had a whinge about not having insurance, mainly I suspect because the onus is on the other guy to pay since he was at fault. If it was his fault tho, and he wasn't insured he'd be liable for a lot of cash. EOA.

-D

+1 for Vu

Edited July 3, 2009 by Dohmar

[mid life crisis]

  mojave15 said:

Your absolutely right. I don't. It's a free country.

i cant wait till i read my car has been stolen post by you im sure it will bring a tear to my eye

[writeoff]

  Madaz said:

and wow David cant sleep sounds pretty much spot on your did however forget go buy a packet of large tim tams and farmers union iced coffee to console your woes

I didn't forget. I assumed he had those already. These are items that should be in your armoury at all times!

  Dohmar said:

Sorry Dave, you're dead wrong on this

No I not. The guy asked for guidance.

You felt the need to point out the mistake. I believe he would have realised that on his own.

Edited July 3, 2009 by writeoff

[Dohmar]

  writeoff said:

I didn't forget. I assumed he had those already. These are items that should be in your armoury at all times!

No I not. The guy asked for guidance.

You felt the need to point out the mistake. I believe he would have realised that on his own.

If he'd have caused the accident then yes. Since hes >lucky< relatively speaking, the other bloke was in the wrong and has to pay for the damages.

However as you pointed out, it can take years to resolve compo claims if you dont have your own insurance company. He might not get paid out for another year.

-D

[Crackfox]

Bad luck on crashing hope the other guy is honest and doesnt try turn the story around, its harder to prove fault when you dont have your insurance companies lawyers on your side.

To all those who think its stupid to drive without having your car insured, its always a gamble with odds against you because the insurance companies have to make money. I didnt get full comp because if I dont total my car in 7 months then insurance costs will have surpassed my cars agreed value, which would make me an idiot to drive with it.

[Dohmar]

  skipp said:

Bad luck on crashing hope the other guy is honest and doesnt try turn the story around, its harder to prove fault when you dont have your insurance companies lawyers on your side.

To all those who think its stupid to drive without having your car insured, its always a gamble with odds against you because the insurance companies have to make money. I didnt get full comp because if I dont total my car in 7 months then insurance costs will have surpassed my cars agreed value, which would make me an idiot to drive with it.

nobody is arguing the lack of insurance on cheap cars. I didnt bother with my VN for that exact same reason. skylines however are a different story

-D

[Madaz]

i have 2x cheap cars and still have full comp on both of them no telling what you might hit one day

[JSTA33]

that intersection is crap,

id hate to have to use it every night at peak hour.

maybe they should instal lights at some stage (traffic lights)

sorry to hear aobut your crash mate.

[mark01]

So i go away for a couple days and come back to this.... Nice!

My bad. I guess when i wrote this post i should have addressed as HELPFUL GUIDANCE, Let me know ur HELPFUL thoughts! Stay out of this post Dohmar cos ur not helping me out ay cos u've got no useful guidance for me.

  Dohmar said:

If you have a car thats worth more than $20k. as most GTR's are, and you are aware of the fact that a) GTR's are a favourite for car thieves and b) its an import and costs a LOT of money to get fixed. If you seriously drive an imported street legal racecar, and think that its going to be cheap to fix out of your own pocket, then you're deluded. And if you can afford a 32 GTR and not afford the insurance, then in actual fact, you cannot afford an R32 GTR. Period.

I don't see who made u the judge as to what i do with my cash. It is a choice that i have made. It has been my choice to go without insurance for the past few years and and that is the gamble i have taken. And i don't need to justify myself to u, or anyone!

  Dohmar said:

It might seem harsh, but stupid is as stupid does. Im not saying you deserved to crash or injure yourself, but you're playing with fire anytime you take ANY car out on the road without insurance, double that if its an import and double that again if its a niche car that thieves and hoons like to drive.

Its like having a $45k car and driving it on the road with bald tyres. We all know how that turns out.

And while this is a bastard of a thing to say, if you gamble and lose, its your own damn fault. Dont come crying to me when the house wins. I have absolutely no sympathy for gamblers.

Nice use of cliches, Forest but what useless crap u have to say has nothing to do with what GUIDANCE i have requested. So stay out of this discussion. Something tells me that if this was an in-person discussion u wouldn't be so opinionated. Funny how u can voice ur opinions so much stronger behind the safety of a keyboard.

And another thing i never came "crying to you". Do youself a favour and stay out of the discussion please mate.

[Cplus]

nothing wrong with being self insured guys.

you just need to remember that without third party, you are responsible for any damage to other people's property. it's one thing not to have your car covered, but to not cover what damage you might cause to other people's property - with no means to pay it back later - it socially irresponsible IMHO. 3rd party only is VERY cheap, I like to refer to it as "rolls royce" insurance - ie: you won't have to fit the bill for a rolls royce if you hit one

Be ready for a shit fight mate, insurance companies often fight hard against people with no insurance. they will automatically assume that you won't be able to afford a lawyer also and will use theirs to try and put some blame onto you.

You'll also have to respond to all of THEIR demands if you want your money as you don't have someone to keep up the fight for you. It is very hard to battle against an insurance company as a layman.

watch 'em try and value your car at around $13K as a start too - this is redbook low end for trade in value. and be careful with quoting costs for modified parts - got a quote on a factory exhaust before? it will cost WAY more than any HKS/APEXi/TRUST jobbie you can find, used or new. I saw someone try and up receipts for mods once, the insurance company argued that the cost of all the factory parts should be DEDUCTED from the cost of the vehicle prior to adding on the cost of the aftermarket pieces. They may even begin to bring into account the relative roadworthyness of your car if you start quoting things like coilovers etc - if they can do that, all of a sudden blame starts to head your way"in court "His car was un-roadworthy and un-insurable, look he couldn't even get insurance, his car should not have been on the road!

your best bet is to find cars in similar condition and level of modification to yours for sale and argue the value that way.

Be VERY careful in your wordings, make sure all your correspondance is written and get legal advice - QUICK. the couple of grand a lawyer might cost for a couple of quick letters (like, tomorrow or tuesday) may mean the difference in $10-15K payout.

[Madaz]

if you need a motor specialist solicitor ill give you the number of someone that can probably help

^^ very sound advice don't go sprouting your mouth off about any mods due to most of them not being ADR compliant

[mark01]

  Cplus said:

nothing wrong with being self insured guys.

you just need to remember that without third party, you are responsible for any damage to other people's property. it's one thing not to have your car covered, but to not cover what damage you might cause to other people's property - with no means to pay it back later - it socially irresponsible IMHO. 3rd party only is VERY cheap, I like to refer to it as "rolls royce" insurance - ie: you won't have to fit the bill for a rolls royce if you hit one

Be ready for a shit fight mate, insurance companies often fight hard against people with no insurance. they will automatically assume that you won't be able to afford a lawyer also and will use theirs to try and put some blame onto you.

You'll also have to respond to all of THEIR demands if you want your money as you don't have someone to keep up the fight for you. It is very hard to battle against an insurance company as a layman.

watch 'em try and value your car at around $13K as a start too - this is redbook low end for trade in value. and be careful with quoting costs for modified parts - got a quote on a factory exhaust before? it will cost WAY more than any HKS/APEXi/TRUST jobbie you can find, used or new. I saw someone try and up receipts for mods once, the insurance company argued that the cost of all the factory parts should be DEDUCTED from the cost of the vehicle prior to adding on the cost of the aftermarket pieces. They may even begin to bring into account the relative roadworthyness of your car if you start quoting things like coilovers etc - if they can do that, all of a sudden blame starts to head your way"in court "His car was un-roadworthy and un-insurable, look he couldn't even get insurance, his car should not have been on the road!

your best bet is to find cars in similar condition and level of modification to yours for sale and argue the value that way.

Be VERY careful in your wordings, make sure all your correspondance is written and get legal advice - QUICK. the couple of grand a lawyer might cost for a couple of quick letters (like, tomorrow or tuesday) may mean the difference in $10-15K payout.

Awesome advice mate, thanks

[Dohmar]

  mark01 said:

So i go away for a couple days and come back to this.... Nice!

My bad. I guess when i wrote this post i should have addressed as HELPFUL GUIDANCE, Let me know ur HELPFUL thoughts! Stay out of this post Dohmar cos ur not helping me out ay cos u've got no useful guidance for me.

I don't see who made u the judge as to what i do with my cash. It is a choice that i have made. It has been my choice to go without insurance for the past few years and and that is the gamble i have taken. And i don't need to justify myself to u, or anyone!

Nice use of cliches, Forest but what useless crap u have to say has nothing to do with what GUIDANCE i have requested. So stay out of this discussion. Something tells me that if this was an in-person discussion u wouldn't be so opinionated. Funny how u can voice ur opinions so much stronger behind the safety of a keyboard.

You could think that, but you'd be wrong. And yeah its your choice, but if you crash, or get your car stolen without comprehensive, you'll be in the shiznit. Fact.

Nn sweetie.

-D

[mark01]

  Madaz said:

if you need a motor specialist solicitor ill give you the number of someone that can probably help

^^ very sound advice don't go sprouting your mouth off about any mods due to most of them not being ADR compliant

Thanks mate, that would be great

[heslo]

I've watched this thread go to shit, now it's time to step in...

Enough!

Please keep this on topic, the OP came on here and asked a question, before he knew it he was being bombarded by posts which had nothing to do with what he asked. Any further OFF TOPIC posts in this thread will lead to a 7 day holiday, don't beleive me? Try it. Sick of this in fighting/bickering stage that we are going through at the moment

[r32_ocumon]

sorry to hear that mate =[

[savage GTR]

Are you at least a member of the RAA ?

They have free legal advice . for members