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Thread ID: 61487	2005-09-06 10:35:00	Car insurance	Fergie (6508)	PC World Chat

Post ID	Timestamp	Content	User
386466	2005-09-08 05:56:00	I also agree the No Insurance at all advice is not a good idea. My sons girlfriend crashed into another car and was judged to be at fault. No insurance so she now is slowly paying off $22000 that the other persons insurance company took her to court for.	pctek (84)
386467	2005-09-08 05:59:00	Is it third-party fire & theft or comprehensive? What is the make and model? Does it have mags, a premium stereo system, spoiler/air dam, other significant non-standard modifications? Do you have a clean driving record? What is the insurance company? I used to sell insurance as one of my dud jobs, and there was nothing about turbo diesels that made them more expensive. Was that in NZ?, Anyhow, I was refused insurance flatout because the car I had bought was a manual....I had to return it to the dealer, finance was withdrawn and my trade-in had already been destroyed....	Metla (12)
386468	2005-09-08 06:06:00	Was that in NZ?, Anyhow, I was refused insurance flatout because the car I had bought was a manual....I had to return it to the dealer, finance was withdrawn and my trade-in had already been destroyed.... Yeah. I was selling for ASBBank and State. Suckful, mean jobs. All the (relevant) cars details and the drivers details are entered into a computer database/risk assessment program that, as you have implied, cannot be negotiated with. All insurance companies use the same program, or the same algorithm. The difference in prices are internal.	vinref (6194)
386469	2005-09-08 06:18:00	Someone gives a stuff whether or not you're impressed??? :confused: :D Must do if they're going to ask questions in a public forum. :thumbs: Lo.	Lohsing (219)
386470	2005-09-08 06:20:00	Yeah. I was selling for ASBBank and State. Suckful, mean jobs. All the (relevant) cars details and the drivers details are entered into a computer database/risk assessment program that, as you have implied, cannot be negotiated with. All insurance companies use the same program, or the same algorithm. The difference in prices are internal. I guess that's where having an insurance broker helps? Diff rates for corporate clients and all that. Lo.	Lohsing (219)
386471	2005-09-08 06:46:00	Pardon me . . . but NZ auto insurance sounds a little backward . . . . In California, insurance is mandatory . . . but we all know that means that people will drive without insurance anyway . We have a way to cover that though . . It's called "Uninsured/Underinsured Motorist's Coverage" . That way, if someone without insurance hits you, your own policy covers you . . . at 100% . IF, the other party has no insurance, then they are not allowed to make any claims for damages, real or mental, nor for death benefits or even medical coverage for injuries . They are out in the cold and must pay for anything they incurr as far as costs for repairs, and medical bills . There is no bankruptcy provision for this thing either . . . one cannot go bankrupt for things like federal taxes, child/spousal support and court judgements including none insurance . I had a guy run into me on April 11th, 2004, and he admitted that all the injuries he had were the result of his getting bounced around inside his own vehicle because he didn't have his seatbelt on . Wham! . . . the ambulance left him there and the cops would not allow him to make a claim for any losses . . . vehicular or personal . . . and his insurance (which he HAD) was declared null and void because he had broken a simple, but old law . . . . . it is called "torte law" . It states in more words than this: "No-one incurring a loss while that person is committing a misdemeaner or crime against society or the promulgated rules of the State of California shall have any redress for such losses . " This means, that he had no rights in court . . . could not offer an explanation and he had no insurance for that moment . He was literally tattooed and posted and had to take his lumps . He could not even qualify for free medical emergency treatment at the scene of the accident, unless he was not breathing or unconscious . He was neither . Stupidity is not sufficient for treatment either . He was driving his father's truck, and it was impounded and not returned to him as it was uninsured on the road because of commission of a torte . Even if you are stopped for a minor traffic violation, you must present a current insurance receipt . . . if none is in the vehicle, then the vehicle is immediately impounded and the charges against it are staggering! There is the officer's ticketing fees, then the tow truck dispatch fees, the tow away fees, the impound fees, the yard storage fees (by calandar day), the release fees . . after purchasing insurance and providing proof to the DMV (Department of Motor Vehicles), and court fees for the processing the tickets, the court date and the actual hearing before a magistrate . This all takes time, and the fees mount up steadily per day . Then there's the actual traffic sitation, not to mention the original offense that got you pulled over . We have strong torte laws here . Seatbelts are mandatory to use in all vehicles manufactured after 1962 . I think your insurance, if I read the posts here correctly, can take a good look at the California insurance program . . . it makes things a lot clearer for everybody involved .	SurferJoe46 (51)
386472	2005-09-08 06:58:00	Hell no, If they adopted a single item of that madness I would burn down parliment, that is if i could make my way through the seething mass that was already hell-bent on tearing the place apart. USA is a great place?	Metla (12)
386473	2005-09-08 07:03:00	SurferJoe - Sounds like a good idea... while the leaving the guy on the side of the road was a bit harsh, I agree with the idea that car insurance is mandatory. At the very least, 3rd Part Insurance anyway. Lo.	Lohsing (219)
386474	2005-09-08 09:16:00	The medical side of insurance here is compulsory, it's called ACC. The insurance companies in NZ are apparently not interested in compulsory insurance for property damage because of all the idiots they'd have to deal with.	PaulD (232)
386475	2005-09-08 09:37:00	Is it third-party fire & theft or comprehensive? What is the make and model? Does it have mags, a premium stereo system, spoiler/air dam, other significant non-standard modifications? Do you have a clean driving record? What is the insurance company? I used to sell insurance as one of my dud jobs, and there was nothing about turbo diesels that made them more expensive. 96 Holden Astra diesel Hatchback No Modifications Crappy original tape deck Clean driving record $5000 cover Not 100% on the company as it is done through the bank	Morgenmuffel (187)
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