Comprehensive Insurance FTW - accidents are gay

[BigMuz]

Working in the industry you see shit that's even more nasty than an orange dude with a black wang butt-raping a third party in an MS Paint world.

Another gold quote mate. I loled.

[summoner]

Always had insurance, bit to scared to drive without it. Not even if I hit someone but if someone else hits me(happened twice now in the XR).. It is just alot less hassle. Give insurance the details and they do the rest.

[Dansedgli]

I had an accident on the weekend too.

Maverick + bullbar + full comp = FTW.

$4700 damage to the other guy. I lost a spotlight

Im so glad I got insurance on it now. Its only $850 for the excess and an $800 premium.

Mud tyres and wet roads dont work so well together. No steering and no stopping in a hurry :huh:

[GSRman]

and i wonder why people want special licences for people who drive big-ass cars..

[Dansedgli]

and i wonder why people want special licences for people who drive big-ass cars..

Before you start, the car in front had no brake lights and stopped in the middle of the nowhere for no reason. He offered to pay my excess. :w:

[GSRman]

and yet.. he's still in the right

assuming you have a 60% no claim at the moment, your insurance will be like 1800 next year? + what they will bump it up for having a claim in the last year? + the excess.. might have been cheaper to pay for his damage..

[Dansedgli]

My insurance premium is only $800 at the moment. It shouldnt go up over a $1000. If it does ill get third party, the car gets a bit roughed up in the bush anyway.

There were dodgy circumstances with the accident. I'll leave it at that though.

Insurance is a good thing!

[Bermo]

I'm under 25 and TPPD for a 5.8L XY is only $265 a year.
Although that said for my 1.2L Datsun Sunny it was $267 a year?

Go figure? :w:

[out_in_front]

Before you start, the car in front had no brake lights and stopped in the middle of the nowhere for no reason. He offered to pay my excess. :w:

If he had no brake lights then it is his fault - he is driving an unroadworthy car and should not be allowed on the road. Also If he stopped in a no-parking/standing zone etc he may also be at fault.

I rear ended a guy years ago and got off paying for the damages because his car was so rusted out the cops thought it was a joke that it was still on the road. His car was deemed unroadworthy and it was said that he was at fault because he should not have been there.

[6.97]

I reckon when my license is back i would be paying $4-5k+ a year insurance on a car worth maybe twice that.

Not too keen on that at all.

[hemi770]

Also If he stopped in a no-parking/standing zone etc he may also be at fault.

You're perfectly entitled to stop in a no parking or no standing zone.

[2JZR31]

3rd party proporty damage should bre compulsory.

[Belly_up]

I'm under 25 and TPPD for a 5.8L XY is only $265 a year.
Although that said for my 1.2L Datsun Sunny it was $267 a year?

Go figure? :w:

cause third party isn't insuring your vehicle, it's insuring against the likelyhood of you (the driver) causing an accident. So because you're the same driver in both cars, the third party should be about the same as far as i understand it.

[GSRman]

surely statisticly a under 25 driver would be more likely to cause damage to someone elses car/property in a 5.8L fowlcoon rather than a 120y?

otherwise comprehensive would only be more expensive based on where you lived and the value of your car..

[TonyJZX]

3rd party proporty damage should bre compulsory.

isn't that the truth

insurance is due for reform IMO

3rd party property should be rolled in with medical

comprehensive should cover situations outside of the above - with the attendent price drop due to the falloff of coverage

IMO people not cars should be the decider... somewhere along the line it was deemed that the car should be the holder of the policy not the person