Ah now we're getting nearer the point. You think you'll never crash!
So on that basis, you want the rest of us to accept that you are such a superb driver who will never crash but if/when you do, we'll clean up YOUR mess!
That's why I reckon it should be compulsory.
vtecintegra,
Jan 30, 10:03pm
If you carry full insurance (which is cheap in this country) you won't be in that situation.
Plus you can add windscreen cover for a nominal fee which is incredibly useful with our roads in the state they're in and significant windscreen damage being a wof fail
imn,
Jan 30, 10:13pm
YES!Nothing worse than being hit by some loser that doesnt have insurance.
owene,
Jan 30, 10:19pm
So you reckon that I should ensure that I carry fully comp insurance to cover the risk of someone else who isn't willing to insure against HIS causing a crash!
Therein lies the joke with our current system. This certain sub-group is of the view that they should not be responsible for their own actions and that the other 95% of us should be insured to cover for their behaviour.!
owene,
Jan 30, 10:21pm
+10
But it does seem from the comments on here that quite a few are of the view that they should not be responsible for the damage that they cause and that the rest of us should carry that risk. Interesting and says something about our society.
curlcrown,
Jan 30, 10:21pm
owene just because a driver does not have insurance does not mean they will not cover you for damage done to your property if they are responceable.
sw20,
Jan 30, 10:46pm
No it shouldn't be compulsory. The price will go skyward. The UK, US and Aussie have compulsory insurance, huge premiums. It is that way because they now have to spread the risk across drivers they wouldn't normally have to cover.
I have full cover for both of my vehicles so I don't care too much if you crash into me. My insurance company will ream you until every last cent is paid.
lookoutas,
Jan 30, 11:07pm
Me (to OP's first Q)
tonyrockyhorror,
Jan 30, 11:10pm
No. Waste of money. Never needed it. Cheaper to carry my own risk.
taintedkitten,
Jan 30, 11:12pm
What I'm saying is that third party IS cheap now.
But if it were compulsory, no doubt prices will skyrocket as it's a capital in which insurance companies have the market on.
tonyrockyhorror,
Jan 30, 11:14pm
No. Just that with the irregularity with which we crash, it's much cheaper for us to carry our own risk.
Clearly that doesn't describe you, so you can pay for your insurance based on your own risk profile.
tonyrockyhorror,
Jan 30, 11:15pm
Absolutely. Even the insurance companies say that - they don't want CTP.
kazbanz,
Jan 30, 11:22pm
Ok I want to run a senario by you guys. Uninsured driver is driving along minding his/her own bizzo. All is good in their world. They are going round an easy corner at the speed limit and hit a diesel slick deposited by a truck. They slide for only a few feet but being the supurb driver they are correct the slide. Unfortunately that few fee3t is enough to carry them 600mm into the oncoming lane and a family in a late model car is coming the other way. Uninsureed drivers last living memory is of the right front corner of a car slamming his steering wheel through his chest. ok so uninsured driver is dead --who pays for the damaged cars!
owene,
Jan 30, 11:50pm
Haha! You've obviously never encountered one of these uninsured types! They wriggle and squirm and never end up paying - the very fact that they are unwilling to buy $100 worth of 3P cover shows you how they think.
owene,
Jan 30, 11:52pm
Bollox. The 3P component in NZ is a fraction of the 3P components in UK or Oz as ACC covers the personal liability (medical etc). 3P in NZ is only required to cover the non-personal part, like vehicle, property etc. Ask an insurance broker - it costs a piffling amount for 3P here.
saffa2,
Jan 30, 11:53pm
You didn't read my first post did you!.And taxation is nothing like insurance, granted they are both run by bloodsuckers.
owene,
Jan 30, 11:54pm
If it can be proven that the dead drivers car was on the wrong side of the road (irrespective of why) then his estate will be liable for all damages. The still alive drivers car will be fixed by his insurer who will in turn pursue the estate of the dead driver. In turn, if the estate of the dead driver can prove who spilt the oil, then they will go after that person for their losses.
owene,
Jan 30, 11:56pm
Not true. I've never had any issue getting 3P alone. For example, on a Mitsi Canter truck being used for private purposes, my 3P policy cost me $78 two months ago. Fully comp was going to be $550. Is that 3P cost dear!
owene,
Jan 31, 12:00am
So what happens if you hit a 2011 vehicle and cause $60k worth of damage! You're saying that you'd simply write a cheque for $60k and that every other uninsured driver would also be in a position to do the same! Of those in that uninsured group, I'd say bugger all would be in a position to do so - they have no cash and that's the very reason why they never bothered to even get 3P to start with.
tonyrockyhorror,
Jan 31, 12:09am
Yeah, so making it compulsory makes no difference. People still need to drive vehicles. Our public transport is useless and always will be because we don't have the population size and density to support any better.
tonyrockyhorror,
Jan 31, 12:10am
You misunderstand. Insurance companies here don't want CTP. They've stated this in the past when it has been brought up.
owene,
Jan 31, 12:12am
I'm sorry but none of your logic makes any sense.
owene,
Jan 31, 12:12am
Well no insurance company I've ever approached have given me the bums rush. Can you point us at a link that supports your comment!
tonyrockyhorror,
Jan 31, 12:19am
Read the post properly. Do you know what CTP stands for!
skin1235,
Jan 31, 12:19am
am I too old, 3rd party used to be part of the annual license fee, a set rate and you nominated one of the 3 or 4 insurance companies as the policy holder also cost a lot less than ACC, was about the same time as that theiving lot arrived that 3rd party disappeared - supposedly there would be no need for it anymore with ACC to fill the gap ( read -" the poli's realised they could only get so much blood from us per year, and to continue charging for 3rd party after foisting ACC on us would have most of us very upset , especially come polling time)
the system is still there, all they have to do is reactivate - push a button, and 3rd party is once more part of the annual fee - and as such compulsory - everyone who registers a vehicle pays - doesn't actually assist with those who even today drive unregistered ( unlicensed) vehicles
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