All You P Plate Skyline Owners

[dezz]

Oh okay cool... no problems with that then.. I'll just include my older bro in the policy (he's off his P's now)

Greg

<{POST_SNAPBACK}>

yeah im thinkin of doin it with my mum that way in the event of an accident (touch wood) i can say she was driving, and she's rating 1 for life so not gonna hurt her

anyone know if just cars does that whole multiple policy holder stuff? i know RAVC does, but no idea bout just cars...

if they do its sweet...you do it like that, and then u still get a rating, and then u can say tehy were the driver in the accident, claims get paid...car gets fixed etc....and it even brings ur premium down coz they are rating 1 or at least better than us

[IOWNU]

As a P plater driver whos owned a number of imports over the legal power to weight ration, I knew of this possibility and in the event that i smack my GTR (hope that day never comes) i'll walk out of the car, tell the driver of the other car that if they want some money, my name is "Bla bla bla" and I am "x" years old etc, and if i were to hit into an object or pole, well that isn't to difficult to get around. Insurance companies are shifty, so you should behave accordingly, to make sure that you get rightfully paid and not cheated on a mere technicality.

[predator]

ok, you have an accident ... a PROPER one.. not some little fender bender (which costs less than 1 years policy anyhow to fix).. the police are called to take statements ..quite likely because its an import..

they take witness names, your name at the scene. Even the other driver could decide they don't like you, realise that at the time of putting in the claim, its angry driver vs MRS xxx, not angry vs MR xxx .. dobs you in.

There is no way and hell you are going to get out of it.

tell the driver of the other car that if they want some money, my name is "Bla bla bla" and I am "x" years old etc, and if i were to hit into an object or pole, well that isn't to difficult to get around. Insurance companies are shifty, so you should behave accordingly, to make sure that you get rightfully paid and not cheated on a mere technicality.

That is why I, and anybody pretty much *always* request the licence details of the other driver.. most do pretty much...anyhow, keep thinking what you want to think, but soon as you have an accident you're going to get REAMED.. no question about it. Think you're more intelligent than a massive company with hundreds of staff all trained to know about every trick in the book that may have ever thought of... don't think so.

And yes, I'd be the sort of c.nt who *would* be making sure that if I knew the other driver was in the wrong or doing something shifty, I'd be making sure the insurance knew about it. Yes, there are many people out there like me. If somebody runs into you and its totally their fault, why should you suffer one tiny bit?

[GKTECH]

ok, you have an accident ... a PROPER one.. not some little fender bender (which costs less than 1 years policy anyhow to fix).. the police are called to take statements ..quite likely because its an import..

they take witness names, your name at the scene. Even the other driver could decide they don't like you, realise that at the time of putting in the claim, its angry driver vs MRS xxx, not angry vs MR xxx .. dobs you in.

There is no way and hell you are going to get out of it.

That is why I, and anybody pretty much *always* request the licence details of the other driver.. most do pretty much...anyhow, keep thinking what you want to think, but soon as you have an accident you're going to get REAMED.. no question about it. Think you're more intelligent than a massive company with hundreds of staff all trained to know about every trick in the book that may have ever thought of... don't think so.

And yes, I'd be the sort of c.nt who *would* be making sure that if I knew the other driver was in the wrong or doing something shifty, I'd be making sure the insurance knew about it. Yes, there are many people out there like me. If somebody runs into you and its totally their fault, why should you suffer one tiny bit?

<{POST_SNAPBACK}>

You're going to suffer even more if the insurance doesn't go through and the person that ran into you is a poor uni student and can only pat you off over 10 years.. $5 per week.

I know I would prefer to keep my mouth shut and get a pay out..

Up to you at the end of the day... but definately something to think about..

Greg

[IOWNU]

You're going to suffer even more if the insurance doesn't go through and the person that ran into you is a poor uni student and can only pat you off over 10 years.. $5 per week.

I know I would prefer to keep my mouth shut and get a pay out..

Up to you at the end of the day... but definately something to think about..

Greg

<{POST_SNAPBACK}>

hah beat me to it.

I would suggest most ppl would be willing to understand.

I would say somthing along the lines "You want the car fixed? Yes, then I am so and so, NO? Then i am who i am."

Pretty easy choice if you ask me, mate has already had a crash and the person who was involved in the accident was cool, so long as he got his car fixed. So, I would say that you are in the minority, being one who would "dob" me in.

See....I am smarter than the insurance company.

[GKTECH]

hah beat me to it.

I would suggest most ppl would be willing to understand.

I would say somthing along the lines "You want the car fixed? Yes, then I am so and so, NO? Then i am who i am."

Pretty easy choice if you ask me, mate has already had a crash and the person who was involved in the accident was cool, so long as he got his car fixed. So, I would say that you are in the minority, being one who would "dob" me in.

See....I am smarter than the insurance company.

<{POST_SNAPBACK}>

I know a guy that crashed his shitty corolla into a new Mazda 6 and caused 10k in damage. He now pays $5 a week because he said he is just on the dole and doesnt have a stable income!!

Greg

[predator]

nope.. why the hell should they be driving the car then, if they are not covered. Just because they think they should? well thats generally not a good enough reason.

and yes, as soon as the insurance found out (and they would) you would be driving an uninsured car and you're not covered. That effects the policies of legitimate drivers who are entitled to drive these cars, their premiums and are legally covered, and its something that peeves many people off.

In the end however, most insurance companies have polices that pay YOU out and fix your car so it makes no difference to the legal driver...as for the student, he'll be fronting the court and the insurance company's lawyer.

Its going to be something hanging over your head for 5-10 years, a debt that you'll be paying for a long time. Don't make any difference to me, my car gets fixed.

I've had to do this TWICE to uninsured drivers (a while ago now).. but the time I had to do without my car for weeks, with it not being exactly the same as before, etc.. all for something NOT your fault whatsoever, then you kind of get peeved at the situation.

You f**k up, you pay the consequences. You try to beat the system, the system catches up to you.

[GKTECH]

nope.. why the hell should they be driving the car then, if they are not covered. Just because they think they should? well thats generally not a good enough reason.

and yes, as soon as the insurance found out (and they would) you would be driving an uninsured car and you're not covered. That effects the policies of legitimate drivers who are entitled to drive these cars, their premiums and are legally covered, and its something that peeves many people off.

Most insurance companies have polices that pay YOU out and fix your car so it makes no difference to the legal driver...as for the student, he'll be fronting the court and the insurance company's lawyer. Its going to be something hanging over your head for 5-10 years, a debt that you'll be paying for a long time.

You f**k up, you pay the consequences. You try to beat the system, the system catches up to you.

<{POST_SNAPBACK}>

And if you dont get your payout from the insurance company as the driver was driving illegally?

I guess then your screwed..

I know which option I will be choosing...

Each to their own.

Greg

[IOWNU]

nope.. why the hell should they be driving the car then, if they are not covered. Just because they think they should? well thats generally not a good enough reason.

and yes, as soon as the insurance found out (and they would) you would be driving an uninsured car and you're not covered. That effects the policies of legitimate drivers who are entitled to drive these cars, their premiums and are legally covered, and its something that peeves many people off.

In the end however, most insurance companies have polices that pay YOU out and fix your car so it makes no difference to the legal driver...as for the student, he'll be fronting the court and the insurance company's lawyer.

Its going to be something hanging over your head for 5-10 years, a debt that you'll be paying for a long time. Don't make any difference to me, my car gets fixed.

I've had to do this TWICE to uninsured drivers (a while ago now).. but the time I had to do without my car for weeks, with it not being exactly the same as before, etc.. all for something NOT your fault whatsoever, then you kind of get peeved at the situation.

You f**k up, you pay the consequences. You try to beat the system, the system catches up to you.

<{POST_SNAPBACK}>

Hypothetically speaking, lets say myself and you were involved in an accident, lets say i was at fault and I bang up your car pretty bad.

Now, after explaining the situation, you could either accept or reject. You have clearly stated that you would reject, so i say fine, here are a my details.

Now, the insurance company rips out the clause, insurance is void, you don't get paid, you could go to court, but you'd loose, as there was NO COVER in the first place.

Now lets assume I'm a pov uni student........that's 5 bux a week for you, for the next 20 years lol.

Most people AREN'T like you. I'd hope so anyway!

Edited September 13, 2005 by IOWNU

[predator]

if he was driving illegally whats the f**king difference?!!

he was in the wrong, the cops get called its an over situation anyhow.. no squirming your way out of it. And like I said, most policies have uninsured driver protections, you are covered.. the uninsured guy is the screwed one. and like I have said, I am speaking from EXPERIENCE not just making this up.. 2x .. both uninsured as not driving their own car.. My insurance company knew they were not insured. I heard nothing more. But my car got fixed.

I didn't see why I should have to lie to protect somebody I don't know from a bar of soap.

like I keep saying, think you can get out of it. A 20 year old or whatever is smarter than a multinational company? I'm speaking from experience here (friends, etc long time ago), not just saying it. I'm trying to protect you from your own silly selves!

[GKTECH]

if he was driving illegally whats the f**king difference?!!

he was in the wrong, the cops get called its an over situation anyhow.. no squirming your way out of it. And like I said, most policies have uninsured driver protections, you are covered.. the uninsured guy is the screwed one.

like I keep saying, think you can get out of it. A 20 year old or whatever is smarter than a multinational company? I'm speaking from experience here (friends, etc long time ago), not just making this up...

<{POST_SNAPBACK}>

Smart or not you only get $5 a week.

If I crash into someone I don't mind paying them $5 a week. I know I wouldn't notice it.

I'm sure there would be plenty of ways to hide my income (eg. all profits are kept within my company and my baby sister gets a wage of $500 per week from the company for being the "receptionist in training" as far as you're concerned im unemployed)

Greg

[predator]

you won't be paying $5 a week.. where'd you pull that from??

YOU ARE STILL IN THE WRONG. That is the be all and end of the issue. So why try and get out of it or try and insurance a car that is clearly not insurable in your name? You shouldn't be driving that car! Its not that hard to comprehend.

Its about time p platers realised this.. no wonder the cops bloody pick on you every 5 minutes with these sorts of attitudes.

[GKTECH]

you won't be paying $5 a week.. where'd you pull that from??

YOU ARE STILL IN THE WRONG. That is the be all and end of the issue. So why try and get out of it or try and insurance a car that is clearly not insurable in your name? You shouldn't be driving that car! Its not that hard to comprehend.

Its about time p platers realised this.. no wonder the cops bloody pick on you every 5 minutes with these sorts of attitudes.

<{POST_SNAPBACK}>

I personally have a mate paying $5 per week for a crash that was his fault and insurance didn't cover him.

Even if someone is in the wrong are you going to be happy knowing that you might not get a full payout in a timely manner if at all? All for the matter of "dobbing someone in"

Good luck with your clause..

And again, I know which route I'll take.

Greg

[GKTECH]

P.S I am not saying this is the right thing to do but it will give you another way of looking at things... well maybe it will...

Greg

[IOWNU]

I think the insurance companies are in the wrong, they KNOW the cars are being driven illegally, so they take advantage of this.

My accident "plan" is merely a means to claim what is rightfully mine, or what I am mislead to believe that is rightfully mine, i.e insurance.

BTW, $5 a week is assuming you have no insurance, if you had insurance, I'm sure you'd be covered.

[predator]

I don't 'dob people in', but neither will I lie to protect somebody I don't know when I have got the guys licence details.. thats all.

The other thing with the licence issue. How the heck do I know you are not going to do a runner?? I could get your address details, they coudl be totally made up, never to be heard from again. This happens a damn lot. I've heard of people its happened to.

At least with a licence number and the address I have some hope of tracking down the person. I am really just protecting my own ass in the situation.

Yes, well its a scam they do offer the insurance to p platers, and then don't pay out. I'm not sure that trying to do other dodgies to get them to pay out is really doing much to fix the situation.

Its a huge risk to be taking...

[R31Nismoid]

Hypothetically speaking, lets say myself and you were involved in an accident, lets say i was at fault and I bang up your car pretty bad.

Now, after explaining the situation, you could either accept or reject. You have clearly stated that you would reject, so i say fine, here are a my details.

Now lets assume I'm a pov uni student........that's 5 bux a week for you, for the next 20 years lol.

Most people AREN'T like you. I'd hope so anyway!

Dude... I dont think you get the real world

1 - Insurance company would chase you. They would seize any of your possessions if you couldnt pay, thats how debt collectors work when it gets to the court state (if you dont pay)

And i mean every single thing down to the mobile phone that might be in your name.

2 - If you did bang up someones car pretty bad, 99% of the time police will rock-up. If they do. You'll be fighting them also.. again, if you cant pay they will seize your possessions.

Leading to you being declared bankrupt in the end more than likely.

Thats a superb move 10 years of nothing for you

Being a "POV" uni student doesnt really mean squat.

If your ordered to pay, you will in one way or another.

Belive you me the court does not give a rats a$$ about your excuses or stupidity.

They will punish you more because of it

Now, the insurance company rips out the clause, insurance is void, you don't get paid, you could go to court, but you'd loose, as there was NO COVER in the first place.

In this case im afraid he wouldnt loose at all.

He would win hands down if proven you were at fault.

If you have no insurance he just goes through the Civil Courts for the money.

I dont think a lot of you guys realise how the world works

Court doesnt care

[GKTECH]

I don't 'dob people in', but neither will I lie to protect somebody I don't know when I have got the guys licence details.. thats all.

The other thing with the licence issue. How the heck do I know you are not going to do a runner?? I could get your address details, they coudl be totally made up, never to be heard from again. This happens a damn lot. I've heard of people its happened to.

At least with a licence number and the address I have some hope of tracking down the person. I am really just protecting my own ass in the situation.

Yes, well its a scam they do offer the insurance to p platers, and then don't pay out. I'm not sure that trying to do other dodgies to get them to pay out is really doing much to fix the situation.

Its a huge risk to be taking...

<{POST_SNAPBACK}>

Yeah definately agree with that!!

I have another mate that just purchased a brand new subaru outback (cost around the 50k mark). Some guy crashed into the back of him (caused 5k or so of damage) left his details and turned out they were fake. Nothing could be done and my mate had to pay the 5k bill out of his own pocket. (EDIT: his insurance company paid, but my mate had to pay excess)

I know I would be getting all the other persons details if it were something major, and make sure I got my money!!

If i could see any major damage to my car I would call the cops down myself.

Greg

[IOWNU]

Dude... I dont think you get the real world

1 - Insurance company would chase you. They would seize any of your possessions if you couldnt pay, thats how debt collectors work when it gets to the court state (if you dont pay)

And i mean every single thing down to the mobile phone that might be in your name.

2 - If you did bang up someones car pretty bad, 99% of the time police will rock-up. If they do. You'll be fighting them also.. again, if you cant pay they will seize your possessions.

Leading to you being declared bankrupt in the end more than likely.

Thats a superb move   10 years of nothing for you

Being a "POV" uni student doesnt really mean squat.

If your ordered to pay, you will in one way or another.

Belive you me the court does not give a rats a$$ about your excuses or stupidity.

They will punish you more because of it

In this case im afraid he wouldnt loose at all.

He would win hands down if proven you were at fault.

If you have no insurance he just goes through the Civil Courts for the money.

I dont think a lot of you guys realise how the world works

Court doesnt care

<{POST_SNAPBACK}>

1: If they chased me, I own nothing, and even if I do, i technically don't if you get my jist.

2: Yeah police would rock up.....but we all know how long they take! My had his car writted off from behind, by the time the cops came, everything was sorted.

3: I said, if he were to take the INSURANCE company to court he'd loose. If he were to take me to court, sure, I'd have to pay, as I said, 5 bux a week.

LoL...BTW i'm not some pov uni student on the dole.....this is just a hypothetical situation, that most unlikely to occur.

And correct me if I'm wrong, but my mate with his 180 crashed in the REAL WORLD, he had insurance on his old mans name, so his "old man" crashed, and he got his payout.

Did u just watch the matrix or something? Get over the real world stuff Neo. I may be young, but I know how stuff works.

EDIT: Also, I'd give my own lisence details as well, as well as some sort of insurance that I wouldn't pull a runner.

Edited September 13, 2005 by IOWNU

[R31Nismoid]

i know your not a uni student etc...

your mates old man's policy probably states him as a occasional/designated driver.

He's just lucky the other person wasnt too particular

Most people wont if they get the money.

If they dont get the money however... then i pity the fool

EDIT:

and this is unlikely stuff we are talking about.

But all it takes is for someone slightly worried and then your a goner