i think my bike might be a right off.

[dilbee]

Well it happened just going down the road from Actions after i brought sonme new front pads from Yarnie. Just down before the bridge where the hotel is the idiot in the Black 4WD was going to turn right then last sec change his mind and turns left and im passing the left of his car at the time. Then all i know is oh shit! bang i clip the front corner and down i go like a bad of shit. Hit the ground hard and bunce and roll.
Im facing leg 1st the same direction im sort of heading but up on a gutter next to a post. Some guy come running over and tell me im ok. I was not. Right rip hurt to buggery. Left little finger and tyhe next one up was sore as and black and bruised and swalon. Head took a good hit too.
The bike well it had laid its guts out with oil. left side is no dout fucked and the front top fairing was looked to be hanging off. I didn't have a good look at the bike as the people had be sitting on a step till the ambos came.
Fireman were 1st there and gave me oxygen and clean up the oil.
Ambos came soon after and took me to Westmead where i was there for about 4 hrs. Acco happened just after 11.
The cops came to see me at hospital but i was in no condition at the time to talk. They will call tommorow.
I have witnesses who saw the whole thing. Some young guy who was on his bike saw it and have his number. Ill call him soon and get his story as to how he saw me hit the deck. And also say thanks to him.
My bike dont have insurance :( but im not at faullt. So i hope this all becomes good very soon.
I also need to get my bike out of some yard as after 3 days they charge me $16.50 per day and the cops said they need to take pics???
Is there any one who could help me get it? Ill have to call ace towing tommorow and see where they are at.
Only concern is i not sure how fast i was going? If the cops think im speeding but the guy turned in on me. He didn't check his mirrors or his blind spot. I was just going straight ahead.
Well btter go have a beer and sit or lay down.

[Turtle]

Fuck Dilbs, another bad thing.........hope it works out dude

[Belinda]

You were doing the speed limit!!

[Cedric]

Shit mate, glad you're ok.. Hope everything turns out for the best..

[Turtle]

What were you doing riding uninsured ???

[LOAFIE]

Sorry to hear mate but glad to hear your OK.

[j-rad]

What were you doing riding uninsured ???

Fark give him a break dude, riding without insurance is hardly uncommon right or wrong. I tend to think I'll take my chances as in most cases the rider is usually not at fault (according to NRMA Stats at least) so paying 2000-5000K/yr for full comp for a 10K bike is hardly worth it at all. Esp since after a crash alot of the time you can fix for less with the invention of the China Fairing shop....granted sometimes there's no coming back but again if you're in the right then it SHOULD work for you.

Then again if the other person don't have insurance then you'll be waiting sometime for cash for ya bike so I agree insurance is good to have but if you're under 60 or on a jap bike insurance for bikes is hella expensive. I would rather pay for Income Protection Insurance in the event that something happens to you AT ANY TIME doing whatever it maybe and you're covered for anything up to 80% of your income til retirement age :)

Poor bugger, you describe it well mate and it's one of those situations that could happen to anyone..I can see the images now...not pretty and I hope for a speedy recovery for you mate!

Not sure what can be done in these situ's but to ride in the far left track in the lane or at least the track furthest away from the car but not much consolation now :( Would like to have a chat with the driver at least. . . . :cursing: :spank:

[SLAC]

What were you doing riding uninsured ???

Have to agree there mate.... Hope all is well, get a lawyer ASAP, if they have no insurance you are shit out of luck... And go easy on the beers, it will make it worse if you have injuries...... Or just get completely smashed (no pun intended)

[wade193]

Struth, lucky your alright.

[Turtle]

Fark give him a break dude, riding without insurance is hardly uncommon right or wrong. I tend to think I'll take my chances as in most cases the rider is usually not at fault (according to NRMA Stats at least) so paying 2000-5000K/yr for full comp for a 10K bike is hardly worth it at all. Esp since after a crash alot of the time you can fix for less with the invention of the China Fairing shop....granted sometimes there's no coming back but again if you're in the right then it SHOULD work for you.

Then again if the other person don't have insurance then you'll be waiting sometime for cash for ya bike so I agree insurance is good to have but if you're under 60 or on a jap bike insurance for bikes is hella expensive. I would rather pay for Income Protection Insurance in the event that something happens to you AT ANY TIME doing whatever it maybe and you're covered for anything up to 80% of your income til retirement age :)

Poor bugger, you describe it well mate and it's one of those situations that could happen to anyone..I can see the images now...not pretty and I hope for a speedy recovery for you mate!

Not sure what can be done in these situ's but to ride in the far left track in the lane or at least the track furthest away from the car but not much consolation now :( Would like to have a chat with the driver at least. . . . :cursing: :spank:

Jarrad i wasn't having a go at him............. What if you were on a bike and you hit the side of a Bugatti Veyron with out insurance ??? You'd be up the creek mate. I know cars mostly cause the accidents with bikes but not all. I know if i hit a car and its my fault i know the probable cause will be speed, because thats why we have these bike.......

[dilbee]

just spoke to the young bloke who was riding behind me. He said it looked pretty bad when i hit him and went flying. He took the women number who also saw it which is great and him and another nloke have taken pics for me. He has just sent two pics to my mobile but i cant see how to get them onto my pc. F^&kin nokia's. The bike dont look preety no more. :(
He also said that the other guy is no dout in the wrong. He did tyurn across me and it even looked like i tried to miss him but he still came across on me. Also the bastard said i rode into him as that what he was saying and the young guy said no you turned across on him. The cops dont have this guys number yet or maybe not the womens either. The ambo got hte young guys number for me which is lucky as i asked for him to do it other wise maybe the cops wouldn't have no witness to go by. But the scene of it all makes him look bad.
As for insurance. I havn't had it in a long time. They want about 2k or more a year and thats because i dont have insurance the 1st place. I dont drive my car like an idiot all these years and the bike i try and be no idiot on that either. Not paying 1000's on insurance when it will pay the bike over and more in a few years. Blood sucking assholes they all are.:cursing:

[dilbee]

if any one who acn post these pics up ill send them to ya fone. Im still trying to figure out my nokia N96.:confused1:

[stetto]

That sucks, hope he gets wat he deserves and u get reimbursed for everything. Heal up

[Mr.Ed]

Your phone should have an USB cable. Connect that to your mobile, open your file explorer and the phone should be there as a Storage Device of some sort.

[dilbee]

Your phone should have an USB cable. Connect that to your mobile, open your file explorer and the phone should be there as a Storage Device of some sort.

:confused1:
ok ill try what you said. Ive already connected to the phone and try and sve it etc. The pics are on a video as there two different pics but shown togeather for a bout half a min. :confused1:

[Irish]

Sorry to hear about your acco. :crysmiley:

Best to have Nokia Suite loaded when connecting phone to PC. I think you can download free but it would be a big file. If you have cable you should also have got disk with software?? Otherwise blue tooth or infrared tranfer to other phone that can download....

[Zee]

The tenacity of some....know there wrong, but still cry victim. :cursing:
Get the fuker!
Heal quick :ayyy:

[dilbee]

ok here they are.:( But how is the frame i hear you ask? well i dont know yet so dont ask. The gutter up the to left is where i ended up next to a street sign. I must of bunced over it or maybe that was my hip that hit it and is so sore.

[Captain]

sorry to hear mate ... but glad you're (relatively) OK.
With the witnesses on your side, I'm hope it will all turn out OK for you, and then assuming the other driver was insured you should be alright.

I have insurance, but only so that I can let them handle all the hassles (should any occur), rather than have to chase payment etc. Otherwise, given the cost of a bike I wouldn't bother.

[Mozzie]

Mate sorry .
please rest up tonight don't drink to much,I know you will feal like it but it will not help your injuries you are goin to be a lot sorer tomorrow. I hope it all fall into place for you .
bottom line is I'm glad your alive. I met you at EC 2 weeks ago and thought you were a top fella. Take it in stride mate, Keep your wits about your .

[TIGRRR]

mate sorry, i no how ya feeling....
i'm still off work after spill at EC.. So if need hand to pick up the remains send PM as got the trailer and the time....but still one arm/shoulder down..i think ace towing is in nth parra...

[dilbee]

cheers tigrrr.
ill call tommorow and sus this all out. let ya know if i need a hand an a arm. haha

[Cedric]

ok here they are.:( But how is the frame i hear you ask? well i dont know yet so dont ask. The gutter up the to left is where i ended up next to a street sign. I must of bunced over it or maybe that was my hip that hit it and is so sore.

Mate that's painful looking at that beautiful 20th Anniversary Gixxer like that.. Hope you can get her and yourself sorted soon eh..

[jace]

Sorry to hear mate.
If the other driver is insured & he cooperates,you will get paid out in a few weeks as this will get written off.
If he is not insured & he knows the system, you will get nothing.

If you need a tow, for a small fee let me know.:ayyy:

Good luck matee...

[triumph]

sorry to hear about you acco dillbee hope the bike is not as bad as it looks .

[James]

Damn - really bad this happened. But glad your able to type.:ayyy:
Ace Towing are right near Rosehill Maccas/Hooters - the street that runs Parallel with James Ruse Drive.
I have loaned out my tow vehicle for a week so sorry can't help you on this one.
Fingers crossed for you that your injuries heal up soon.

[Turtle]

Geez mate the pics tell the story...........hope the other guy pays up....

[clarkey]

Sorry to hear Dilbee, hope you heal up ok , let me no if you need tow/pick up or the like:ayyy:

[BART]

Mate, hope you heal quickly and things get sorted asap.

[VINNIE]

Dilbee call me tomorrow and i sort your bike out for you

even better call me now and we shall sort it out.I'll take my trailer to work

[Kat00]

Jesus Dilbs, your having a ruff trot.

[Johnny]

Sorry to hear Dilbee, glad your allright mate..


Having yor bike picked up will cost you, they wont let it go untill towie fee's are paid. I would have it picked up and go directly to a bike shop, better still, have bike shop pick it up for you.
Same shit happened to me on my Gixxer, remember ? I had it picked up by Brendan of SPM, they chased everything for me, and I am forever thankfull for that, they saw me paid in a couple of weeks, but little old lady that smashed me, admitted fault on the spot and burst into tears when I refused to go with ambulance as I was more worried about bike, so she took full responcibilty.
If guy in insured, youll be paid out in a couple of weeks.,

Looking at pics, sand over oil and scrape marks doesnt suggest you were speeding at all, so your allright there. Sorry to say though, that is a write off for sure, wether it be a SWRO or RWO can only be known by looking at it, but its deftinetly a write off.

Sorry to hear, worst case scenario, you have a track bike, best case scenario, bike will be paid out for, and you the option to buy back off insurance company first..

[Boxer]

Sorry to hear about your accident. The sight of your bike all beat up is a sad one. I recall having a good look at it on the kiama run - it was very tidy. Heal up quick mate.

[dilbee]

Vinnie the champ he is will get my bike for me tommorow. Vinnie you have a heart of gold.:ayyy:
Yeah the bike sure looks like a good track bike now. My gear saved me big time too. Helmet is fucked now. Took a blow front on and took the left vent off that is on top. My leathers the arm on the inside left has a 50cent piece where the black stretch material is. Gloves have held up good and my balck work cargo style long legged paints have a hole in the knee.
So i guess soon a 750 K5 trackie will be on the market.

[Irena]

Sorry about this Dilbee, glad you're ok!!!!
Let us know how you go tomorrow with insurance:ayyy:

[Cedric]

So i guess soon a 750 K5 trackie will be on the market.

You're not going to give it some gainful employment?

[bpmitch]

That sucks more than a brand new vacuum cleaner!!!! take it easy, all the best with your recovery and the bike.

[DAVID]

Thats fucked dillan

[gobig2000]

Bad news mate, but one thing to think about when you give the cops a statement is that it is illegal to overtake on the inside lane. and if you were coming up from behind in the eyes of the law means you have more chance to avoid a collision than the guy who was in front of you (even tho that is bullshit) I would claim you were alongside him and then he turned across you.

[blade runner]

Hey dilbee, sorry to hear about this mate!!, but im glad your relatively ok anything i can do mate just let me know.

[Bigdog]

Bloody hell Dillon, sorry to hear about this mate. The main thing is that you are mostly ok. As much as it sux, the bike can always be repaired,replaced. I hope the other party's insurance comes through for you. Good luck.

[Lopeman]

Bad news mate, but one thing to think about when you give the cops a statement is that it is illegal to overtake on the inside lane. and if you were coming up from behind in the eyes of the law means you have more chance to avoid a collision than the guy who was in front of you (even tho that is bullshit) I would claim you were alongside him and then he turned across you.

No thats not right at all. . . . .

If a car is in an outside lande and doing under the speed limit there is not a thing wrong with passing them.

The law for only passing on the outside is ONLY for highways, what if a car has stoped to turn right at an intersection, does everycar going the same direction have to stop untill the car turns.

Also, if he made a manouver that is not consistent with safe driving,i.e changing lanes with out looking especially after indicating to go the other direction, that driver is in the wrong. If it was a driver that had indicated properly and then changed lanes it can be deemed to be 50% fault each way, as the driver following is required to give way, but even in that case it is not the drier behing fault only.
If you have witnesses saying it was his fault the cops will just go with that unless there is obvious evidence that they are colluding with you

Good luck mate, These things do happen and i'm sure the guy didnt mean it, not that that makes it any better, but it could have been alot worse,

looks like you will haev a nice track bike

[Falco]

No good Dilbs, glad to hear that your relatively OK dude.
Its these kinds of stories that reinforces the idea of selling my road bike.
Good luck with the now, HUGE pain in the arse chasing insurance companies for your dollars.





Im still trying to figure out my nokia N96.

Could have almost bought some insurance for the price of that N96 ya know. :stirthepot:
Sorry mate....couldnt resist.
At least its Race Chrono compatable....... :lmao:

Cheers Dilbs, take care mate.

[ROB83R]

Bad news mate, but one thing to think about when you give the cops a statement is that it is illegal to overtake on the inside lane. and if you were coming up from behind in the eyes of the law means you have more chance to avoid a collision than the guy who was in front of you (even tho that is bullshit) I would claim you were alongside him and then he turned across you.

I call bullshit!
The car had its indicator on, it is written in the learner book and is law that if on a single lane rd a car wants to turn right into a property or street and has indicated to do so all other traffic is allowed to undertake that vehicle.
The driver is clearly at fault.

I just hope for your sake mate he is insured.
If not rock around his house with a few mates and politely ask him for the cash.

Good to hear your gear worked too and that your ok.

[Captain]

Maybe it's not a bad idea to get a lawyer after all. Put off making a statement until you're better, get advice and THEN go down to the cop shop with a lawyer and make a stemtent then.
Something to consider.

[dilbee]

think some of you are not getting where the road is. I was coming down Parkes Street and the 4wd was going to turn into Cowper but then last sec turns into Valatine Ave at Parramatta. The road has two lanes each way.
Well didn't sleep too well and have been awake since 4.30 with a headache. Finger looks like it could drop off. Hip is still a bit sore and groin is a little sore too. Also have two small bruses now show up on my right sholder. Every part of the body bar my right hand i think isn't sore. Off to the docs now and solictor. keeps ya's updated.

[oldblade]

Ouch!!!! body and Wallet Hope you get a payout soon and most importantly Feel better even sooner

[sharpe1]

Sorry to hear mate. At least you're walking, let's hope dickhead was insured.

[KTM_Paul]

Off to the docs now and solictor. keeps ya's updated.


I reckon Insurance would be cheaper than a good lawyer! :hatter:
Glad to hear you are relatively ok! :ayyy:

[Yarnie]

Hey Dilbee i hope your ok mate, maybe we should all go pay the driver a visit. :spank:

[chunks]

nasty stuff dilbee,
hope every thing works out fine in the next couple of weeks, those fairings look like the ones i sold you, you promised me you would treat them nicely!!:cursing:

but heal up dude:ayyy:

[nbrown]

Good to see you are ok. My stomach always goes to knots when i hear about a bike rider coming off. Hope you are back on the road soon. Good luck with the damaged bike all should turn out well. :ayyy:

[Dave75]

sorry to hear it mate

[6ixxer]

Hope you come out OK Dilbee on the injury front and the bike front.

as a side note, I always get full comp cos it covers my arse when things go wrong.
Other person uninsured? no prob.
I bin it? no prob.
Someone knocks it down in a parking lot? no prob.
Someone unsuccessfully tries to steal it? no prob.
Someone vandalises it? no prob.

I've personally encountered at least two of those. Insurance covers your arse. If you don't have insurance you may as well ride around in only chaps and wait for the slide.

[Underground]

Fark give him a break dude, riding without insurance is hardly uncommon right or wrong. I tend to think I'll take my chances as in most cases the rider is usually not at fault (according to NRMA Stats at least) so paying 2000-5000K/yr for full comp for a 10K bike is hardly worth it at all.

Thats incredibly unintelligent, and selfish.

Who said anything about paying for full comp? Third party / property assures the other person will be looked after if you have a fleeting moment of imperfection, a shockingly uncharacteristic moment of humanity, and hit someone. :n:

[oz r1]

Thats incredibly unintelligent, and selfish.

Who said anything about paying for full comp? Third party / property assures the other person will be looked after if you have a fleeting moment of imperfection, a shockingly uncharacteristic moment of humanity, and hit someone. :n:
Spot on underground.
Good to see your ok dillan, and you've just finished the bike from the old road slide. Get it to a repairer and get that quote to the tool in fwd as soon as.

[Dr freedom]

I tend to think I'll take my chances as in most cases the rider is usually not at fault (according to NRMA Stats at least) so paying 2000-5000K/yr for full comp for a 10K bike is hardly worth it at all....

Then again if the other person don't have insurance then you'll be waiting sometime for cash for ya bike so I agree insurance is good to have ...
So you think its not worth it, or its good to have :confused1:

[daskip]

chase the prick as much as u can and get your money

buy the wreck back off the insurance company for next to nothing and part the bike out and make some money to buy another bike

i could do with some parts for my K5 750 so if you do decide to part it out let me know

i never had insurance in sydney as i could never afford it but QLD is about a 1/3 of the price for me !!!

$1200 a year full comp , K6 750 with 1 suspension , 1 at fault in sydney it was about $3500

[Captain]

Thats incredibly unintelligent, and selfish.

Who said anything about paying for full comp? Third party / property assures the other person will be looked after if you have a fleeting moment of imperfection, a shockingly uncharacteristic moment of humanity, and hit someone. :n:

No, it's not selfish. All it means is that IF you don't have insurance, you need to pay for the damage yourself rather than recover it from the insurer.
IMO it's a sensible practice. Insurance companies have done a great job of brainwashing everyone into thinking that you simply MUST have insurance, but at the end of the day they're the ones who win from it. If you can afford to self-insure (ie pay for damages) - and that's important - then you'll always come out in front in the long run.

(compulsory CTP covers injuries to a third party, we're talking about property damage here)

[KTM_Paul]

If you can afford to self-insure (ie pay for damages) - and that's important - then you'll always come out in front in the long run.



But how much do you need to "Self Insure" if you drop the bike going around the corner then you may be up for say $1000 but as mentioned earlier what if you hit a Bugatti Veyron? do you have the $100K sitting in the bank to cover that little mishap? :confused1:

[Underground]

No, it's not selfish. All it means is that IF you don't have insurance, you need to pay for the damage yourself rather than recover it from the insurer.
IMO it's a sensible practice. Insurance companies have done a great job of brainwashing everyone into thinking that you simply MUST have insurance, but at the end of the day they're the ones who win from it. If you can afford to self-insure (ie pay for damages) - and that's important - then you'll always come out in front in the long run.

(compulsory CTP covers injuries to a third party, we're talking about property damage here)

Captain, I can only assume you've been around the block once or twice... that being said, this is almost ignorant coming from you.

I've hit someone, causing 5+k of damages when I first started driving, I paid for that for 3 very painful years, I have also been hit by an uninsured person.

$160.00 Per year (Insure my ride quote valid for 30 days, litre bike +25year old) for 3rd party property is EXTREMLEY good insurance that you will not cause financial hardship to yourself, or someone else.

Now, consider the alternative, is that not by definition, selfish?

[spanky158]

Bad news mate, but one thing to think about when you give the cops a statement is that it is illegal to overtake on the inside lane. and if you were coming up from behind in the eyes of the law means you have more chance to avoid a collision than the guy who was in front of you (even tho that is bullshit) I would claim you were alongside him and then he turned across you.


No thats not right at all. . . . .

If a car is in an outside lande and doing under the speed limit there is not a thing wrong with passing them.

The law for only passing on the outside is ONLY for highways, what if a car has stoped to turn right at an intersection, does everycar going the same direction have to stop untill the car turns.



This is actually wrong in both cases. It is NOT illegal to overtake on the left on any multilane rd, even on a highway, freeway, any rd that has 2 or more lanes travelling in both directions. Dilbee has no fault here if he was overtaking to the left. And even if the rd WAS a 1 lane rd, if the driver is indicating a right turn, he is still entitled to overtake on the left. Check the link below.

http://www.legislation.nsw.gov.au/fragview/inforce/subordleg+179+2008+pt.11-div.3+0+N?nohits=y&tocnav=y&xref=Type%3Dsubordleg%20AND%20Year%3D2008%20AND%20 No%3D179

[daskip]

captain what if you hit a ferrari or high end luxury car

good luck trying to pay that off self insured.....:opssmiley:

[HYPE]

bad luck there matey... and so soon after throwing it down the old road :(

Hoping the situation is resolved quickly for you.

Insurance is starting to sound like a beneficial investment, and maybe some personal injury/income to go with it.



After reading some comments, i'm feeling a little anxious about attending any group rides..

There is NO excuse for not at the least having a Third Party property Policy.
On average it's less than $1.00 per day.

If you can't afford the minimum cover, you can't afford to be on the bike.

[gazujc]

Dillbee, there is no fault whatsoever attributable to you and whilst I ahve not met you I wish you the best in terms of injury recovery and also financial recovery from the driver.

I would recommend that you be careful in the manner in which you proceed in terms of getting assistance as from teh sound of it the driver may not want to admit fault and/or liability which will make his insurance company (assuming there) very defensive. Basically, it is possible (irrespective of police actions) that they may try to make things difficult for you in the hope that you will go away.

Also big kudos are due here to the other rider and witnesses as well as the ambulance driver for getting the contact details and I am sure that you will repay their help at some point.



As for the insurance discussion it may be best taken to another thread as this thread was to discuss Dillbee's accident not whether or not he should/should not have any level of insurance cover. Just don't want this thread to seem to be 'kicking when down'.






Garry

[HYPE]

As for the insurance discussion it may be best taken to another thread as this thread was to discuss Dillbee's accident not whether or not he should/should not have any level of insurance cover. Just don't want this thread to seem to be 'kicking when down'.

not putting the boot in at all... if anything a show of support and concern.



but Insurance discussion is relevant to the thread. As you've just now stated, things may not go in his favour.. irrespective of who was at fault..

I'd hate to think it, but many are educated by reading internet forums... or more to the point will sheepishly follow the direction of the majority opinion, hopefully dignified by some degree of truth

Fingers crossed should i be struck down again, that the driver/rider had taken insurance into consideration...

[gazujc]

I wholeheartedly agree that discussion around what an insurance company can or should do in this circumstance is relevant to this thread and discussion.

My point was more aimed at the discussion surrounding why people choose not to insure and whether that is 'right or wrong' that may seem or come across as 'kicking'.





Garry

[Underground]

I wholeheartedly agree that discussion around what an insurance company can or should do in this circumstance is relevant to this thread and discussion.

My point was more aimed at the discussion surrounding why people choose not to insure and whether that is 'right or wrong' that may seem or come across as 'kicking'.

Garry

Your concern about the OP's feelings is admirable, and no doubt he's feeling sore and sorry for himself.
No one is kicking though, and any guilt felt upon reading the discussion is unintentionaly.

However, I believe anyone reading this thread now, in a week, in a years time, needs to understand the onus is on every single one of us to remain prepared for the unexpected.


An accident is a specific, identifiable, unexpected, unusual and unintended external event which occurs in a particular time and place, without apparent or deliberate cause but with marked effects. ...


My well wishes from the depths of internet anonymity are extended to Dilbee during this hard time and difficult time ahead.

[Captain]

No, I'm sorry underground, you're ignoring the very basics of mathematics and statistics. If it were good value, how would the insurance companies make a profit ... not to mention pay all their overheads? Clearly people are paying much more than what they receive. It's a fact, that IF you can afford to pay for the damage you will financially be better off in the long run (and this is all the more so the longer you drive and the more vehicles you have). If you cannot pay for the damage that's a different kettle of fish altogether, and I have made that clear already.
It's the same as gambling mate; the house always wins.

To say that my comment is 'almost ignorant' simply becuase YOU disagree with it, well, I think we know where the ignorance is coming from, don't we?

Apologies to dilbee for going off thread.

[POLA]

Glad to hear you alright,sore but alive

The bike looks a mess hope the guys got insurrance

good luck with it

[HYPE]

IF you can afford to pay for the damage you will financially be better off in the long run

:dohsmiley:

ok so IF we can afford it, it's a wise financial decision to cancel our House & Contents policies as well....? I mean what's a Bush Fire here and there.. we'll simply buy another house eh

and hey what the hell let's save even more and forget about Public Liability and Workers Compensation as well... i mean i can afford to cover ONE of my employees if he/she falls down the stairs


the Insurance debate continues on page: 3264

http://i99.photobucket.com/albums/l291/n1riw/n1riw3/hy043008l.jpg


A motorcyclist was critically injured when he collided with an SUV. Witnesses said the motorcycle was speeding and may have run a red light before crashing into a Toyota Rav4. The biker 18-year old Jesse Rivera of Mashpee was rushed to Cape Cod Hospital. Two people in the Rav4 were also taken to CCH for evaluation. Traffic was detoured while Barnstable Police reconstructed the crash. At right, one of the SUV occupants in an ambulance.

[Underground]

No, I'm sorry underground, you're ignoring the very basics of mathematics and statistics. If it were good value, how would the insurance companies make a profit ... not to mention pay all their overheads? Clearly people are paying much more than what they receive. It's a fact, that IF you can afford to pay for the damage you will financially be better off in the long run (and this is all the more so the longer you drive and the more vehicles you have). If you cannot pay for the damage that's a different kettle of fish altogether, and I have made that clear already.
It's the same as gambling mate; the house always wins.

To say that my comment is 'almost ignorant' simply becuase YOU disagree with it, well, I think we know where the ignorance is coming from, don't we?

Apologies to dilbee for going off thread.

So, in your esteemed opinion, you value a $160.00 per annum 3rd party / property premium below the punt of hitting a BMW / MERCEDES / PORSCHE? & Causing in excess of $160.00 damage?

Please quote mathematical equation that proves you are excluded from ever having an at fault accident, citing processes....equations should be made in Algebra / Trigonometry and for my mathematical level, Math's in practice.

[Wattie]

with the risk of being told...

YOU ARE A DICK! if you ride un insured (third party property) YOU ARE A KNOB!

end of story. if you crash into my Porsche, GT3 and write it off, you had better be insured, or your ass will hurt for a very long time...

problem is, that if you're not insured, you can pretty much get away with paying the debt at about a dollar a day.

i hope you have all sorts of problems getting your money.

[Johnny]

Let it go will ya's..

Third party insurance is the only compulsary insurance, so is freedom of choice.

[HYPE]

Let it go will ya's..

Third party insurance is the only compulsary insurance, so is freedom of choice.

CTP = Compulsory Third Party (covers other persons)

TPP = Third Party Property (covers other persons property)


YES, with exception to CTP... We have a choice...

[Johnny]

Exactly :ayyy:

[Underground]

Let it go will ya's..
Third party insurance is the only compulsary insurance, so is freedom of choice.

That nice old lady that hit you had insurance didnt she? ....bet you're glad she 'chose' to insure....heaven forbid she might have kicked the bucket before paying you off.

[Dr freedom]

No, it's not selfish. All it means is that IF you don't have insurance, you need to pay for the damage yourself rather than recover it from the insurer.
IMO it's a sensible practice. Insurance companies have done a great job of brainwashing everyone into thinking that you simply MUST have insurance, but at the end of the day they're the ones who win from it. If you can afford to self-insure (ie pay for damages) - and that's important - then you'll always come out in front in the long run.

(compulsory CTP covers injuries to a third party, we're talking about property damage here)
If you have no insurance, hit someone & cant afford to pay or pull the $5 a week over 10 years trick, then that is very highly selfish.

Put yourself in those shoes.. someone hits you, they dont have any cover & cant afford to pay.. you wouldnt be happy.
Would you let your own children drive or ride off on their first vehicle without any insurance?
Or would you teach them that insurance companies are brain washing & that they wont need any?

At the end of the day, if your driving or riding something you cannot afford to insure, then you shouldnt be.

Its great that Dilbee is ok, although if the other person, even being at fault doesnt have any cover or denys being at fault, then hes stuffed

[HYPE]

That nice old lady that hit you had insurance didnt she? ....bet you're glad she 'chose' to insure....heaven forbid she might have kicked the bucket before paying you off.

woah, UG just pulled your pants down johnnie....

holds weight to the argument though.... ... .. doesn't it ?

[tempest161]

i think Captain is refering to fully comp. insurance. i sometimes wonder why i fork out a reasonable portion of $$ and how many years of paying for fully comp it would take before it had cost as much to replace the bike.
Only a fool would run with no 3rd party property insurance (but unfortunately yes they are out there)

[Johnny]

woah, UG just pulled your pants down johnnie....

holds weight to the argument though.... ... .. doesn't it ?
LOL, Im not saying yay or nay on the issue, fact is, operator wasnt insured, and nothing we say is going to change that ;).



p.s, UG has got his knickers in a not, again , he must really love the pantsdown action :p

[HYPE]

As for the little old lady being insured, yeah, that was nice, for her, as its not like she couldn't afford to pay for my bike considring she was driving a $200K car

appearances can be deceiving!

ok so to play devils advocate here for just a moment...

Reverse your situation..

are you Insured if YOU hit her 200k car..... ?

[Underground]

p.s, UG has got his knickers in a not, again , he must really love the pantsdown action :p

Shit, you're right, I'm gonna go grudge fuck myself into submission and then pass out.

[Johnny]

Shit, you're right, I'm gonna go grudge fuck myself into submission and then pass out.
:lmao:

Make sure to use protection :p

[Underground]

:lmao:

Make sure to use protection :p

I dont need protection, I'm perfect, it'll never happen to me

[PlatinumGrit]

appearances can be deceiving!

ok so to play devils advocate here for just a moment...

Reverse your situation..

are you Insured if YOU hit her 200k car..... ?

I used to do part time smash repair work for a mate of mine with a big panel shop. We had a Porsche come in one day with a bit of a biff in the undertray by an R1 that I assume, had low-sided prior to hitting it. I think there was an elbow dent in the rear quarter where the rider hit. Initially, we thought it would simply be 3K or so in paint with a little bit of niki as the damage didn't look much at all, the side of the car was ok there was just a slight bit of a crease on the bottom skirt into the rear quarter panel.

Problem was, the Porsche was this fancy unibody pressed-shell lightweight aluminium panel thing going on, by the time we'd figured out how to fix it the repair bill had already come to 37K

By the time it was all said and done, the repair cost ~42K. There was absolutely no way I would have ever believed such a small amount of visible damage could have ended up so expensive.

Another perfect example - we bought a Daewoo from the auctions, one of the supposedly luxury ones, big scrape down the side, and fixed it up ready to sell. Went to pick up a few BBQ chooks for lunch and some Chinese lady lets a shopping trolley go after putting her shopping in her car, it rolls down the hill and hits the car -pop- airbag goes off. Lucky I had my wits about me and took pics on my phone of her car with the boot still open and her running away then driving off. When she was chasing it and knew it was going to hit, she promptly sprinted for her vehicle and fled. She wasn't insured, and refused to pay but after showing her my photos and making her understand the cons of not paying, she decided it was better to own up.

Cost to replace airbag assy: $4,600!!

As far as I'm concerned, the ~$240 a year I used to spend on 3rdPP is more than worth it. Even if I just set their airbag off, half the time that's at least $3K right there. That's 12.5 years of Third Party Property insurance payments. For me, it's huge peace of mind just knowing that if I hit anything I'm covered for their property damage.

[Turtle]

You gotta atleast have Third Party...

[Captain]

I'm sorry, but some of you are really, really THICK. I have said all along: IF YOU CAN AFFORD TO PAY. There, I've put it in bold so you will understand.
Underground, by your own admission it was YOU who had an accident when you were young and uninsured, I didn't do that because, quite frankly, I wasn't that stupid. What more is there to say?

It's all a matter of spreading the risk; all the large corporates self-insure, or where they don't they use a third party purely for management reasons .... not cost. In a way, you're creating your own 'mini-inustance company', and spreading the risk.

If I rode off your porche and I don't have insurance then I'd have to pay for a new one, simple.

Anyhow as tempest correctly said the argument is more relevant when you speak of comprehensive insurance of course, but still, IF you have enough vehicles / years of riding the logic still holds true, as id does for ANY insurance.

Of course for the average punter to not pay $ 120 for 3rd party is a ridiculous risk.

[tazkenny]

Glad your still talkin DIlbee

As for insurance.. My tow cents worth...

It is the system that is at fault here. The fact you are required to buy CTP before your rego is bullshit. I don't often praise the UK but they have it right in this case. Road tax (Rego) can only be bought once you have a valid certificate of insurance for the vehicle. The only options available on insurance are Thirt party Fire & theft (which covers personal and property) or fully comp.
The CTP/Rego system here allows young guys to buy V8's, Skylines, 1000cc bikies etc and drive without any effective insurance for property. Insurance for property prices young / inexperianced or bad record drivers out of the market for performance vehicles. The system here is a disgrace, and lends itself to poor road safety stats which affect us all in the long run from over policing and criminalising us for feck all (such as the street racing ding on the other thread)

[Captain]

Yes, Italy is the same tazkenny .... however in true italian fashion they find ways around it. You wouldn't think so, would you? yet they do.

The problem is that people drive / ride uninsured - whilst they can't afford the risk, and THAT's where the system fails. I'm purely discussing the cost / risk /benefit, and saying that the longer you drive and the more vehicles you have it begins to swing in your favour.
I agree that everyone should have at least 3rd party .... the reasone i have comprehensive is to cover me in case the other idiot isn't insured and CAN'T or WON'T pay. But that's a separate issue.

[Underground]

Underground, by your own admission it was YOU who had an accident when you were young and uninsured, I didn't do that because, quite frankly, I wasn't that stupid. What more is there to say?


You didnt what? have an accident? or have an accident uninsured? I dont understand your paragraph.

Is it stupid to have an accident or is it stupid to have an accident uninsured.

Accidents by definition are not pre concieved, therefore unable to be deemed stupid until after the fact.

[Mr.Ed]

I don't think you can accidentally ride without insurance...:confused1:

[Captain]

I think you understand very well ... questioning my comment does not divert attention from the fact that it was YOU who chose to drive uninsured ... foolishly. I didn't drive uninsured back then because, well, I wasn't that naive.
Do you understand the term 'calling the kettle black'?


PS. Happy to debate the argument, I don't like it when it gets personal but then I didn't start. I withdraw any personal remarks.

[Turtle]

I think you understand very well ... questioning my comment does not divert attention from the fact that it was YOU who chose to drive uninsured ... foolishly. I didn't drive uninsured back then because, well, I wasn't that stupid.
Do you understand the tem 'calling the kettle black'?

Give it to him Cappy !!! :lmao:

[Underground]

I didn't drive uninsured back then because, well, I wasn't that naive.
Do you understand the term 'calling the kettle black'?


Oh man, So you chose to insure your vehicle, citing that you were not that naive, yet have argued the value of insurance throughout the entire thread?

Perhaps the term 'contradiction' is more valid here?

[Tarrasque]

While we are talking bollocks. Have the insurance (CTP) and or even third party property on your licence. Kinda annoying having more than one vehicle and having to have CTP and 3rdP when you can only ride/drive one at a time.
Thieft / Full comp would be a bit harder since you have to factor in the cost of the vehicle your are using.

Sure it would suck for family's with only one car. and this kinda paying two lots of CTP, wouldn't be hard to have a link system. kinda like Rego that are linked to a licensed driver, Either have it on the vehicle it self, or linked to a licensed with it on. Every body wins.

Also only have 3rd party property on mine, couldn't justify the cost of full comp. Riding 8 years now, still have not destroyed a bike. So I am ahead so far.

[j-rad]

This is actually wrong in both cases. It is NOT illegal to overtake on the left on any multilane rd, even on a highway, freeway, any rd that has 2 or more lanes travelling in both directions. Dilbee has no fault here if he was overtaking to the left. And even if the rd WAS a 1 lane rd, if the driver is indicating a right turn, he is still entitled to overtake on the left. Check the link below.

http://www.legislation.nsw.gov.au/fragview/inforce/subordleg+179+2008+pt.11-div.3+0+N?nohits=y&tocnav=y&xref=Type%3Dsubordleg%20AND%20Year%3D2008%20AND%20 No%3D179

It is TOTALLY Illegal to over take on left, it's a stupid law for 80% of the time because just to get around you do have to 'overtake' on the left. But mark my words if the cops REALLY want to THEY WILL book you and the Ticket will say Overtake on left. This is why the reccomendation above by all to see a lawyer is really important (as in the street racing case) because they CAN call it what they want so before making ANY statements you must see a lawyer immediately (I don't mean DIlbs here cause he's already doing it, just in general) > and get the witness's statements cause they won't see it as overtaking on the left either and will state they saw the guy indicate, turn off and then abrubtly without warning turn in on you...you'll be fine but agree you could have a tough time of it if the other bloke is uninsured......

I sorta agree about the whole good lawyer ='s insurance costs idea and never disagreed about Full comp being worth it. I had a bike stolen and had full comp no worries. But some of you have got it very wrong in saying, 'oh well i've got full comp so if it's stolen/vandalised/wrecked etc no worries is also rubbish > with some insurance mobs, if your bike is stolen in Syd it's an automatic 5K Excess charge. Yes. 5 grand, on top of your yearly insurance costs.

For a lot of young guys this is just crazy cause their bike may only be worth that or less. Alot of the time under 35s will struggle if owning a jap bike and doing more than 5kms/year. You do have to be careful, (regardless) of insurance or not so most times, as it seems in this case, the driver was in the wrong and since everyone's jumping onto the 'If you hit a Bugatti' band wagon (are they even road legal in AUS? I doubt they'd see our shitty roads, track only....??) then if the dude can afford a Bugatti he's got his own insurance no problems... :lmao: Heck if you hit any reasonably nice car 99.9% of the time they're insured. It's the P plate Gemini drivers you gotta be careful of :D

What I think is a great idea (though we might pay a little more) is to include the cost of insurance in the cost of fuel > if you're driving it's cause you got juice therefore you have insurance > being unlicensed probably would not count but then again nor would being drunk so fair cop. Paying for insurance would mean that both Dilbee and the other guy are insured :ayyy:

At the end of the day my own personal preference came down to only riding track (unfortunately have to comute on a different bike from time to time) because of all the related costs, police, 'street' racing as others here are experiencing etc etc makes track days seem cheap and headache free by comparrison > and a shitload more fun.

Again, Dilbs that's bad luck mate, chin up fella > you'll bounce back!

[gazujc]

J-Rad, I may be wrong but my understanding is close to that which you have written in that it is illegal to 'undertake' as it is called (ie. overtake to the left) any vehicle under any circumstances where that vehicle is travelling in the same direction as yourself. The exception is when that vehicle has indicated their intention to turn.

The problem here is that people have and will continue to be booked for overtaking/undertaking on the left over and above the right lane hog being booked for failure to keep left (one of my big pet hates).



EDIT: Keep an eye on those injuries Dillbee and don't hesitate to get more help if needed.






Garry

[muzz]

fark a lot of guys here are quoting legal this legal that with their halos out on their heads ,my god i hope they are all so law abiding on the road

[James]

'If you hit a Bugatti' band wagon (are they even road legal in AUS? I doubt they'd see our shitty roads, track only....??)

Yep, the Veyron recently passed certification - Trivett Classic have one.
But your point is valid the Veyron driver would have insurance and that insurance company would be sure to sue you (or your 3rd party insurer) for recovery. So if you're at fault and got no cover you'd be f***ed

[Johnny]

what i think dillbee ment was . he was riding in the left lane and the 4WD was in the right lane turning right . but at the last second changed his mind and started to turn left and cut across in front of dillbee . which if that is the case dillbee is in the right .
Oh, thats what this thread was about, right..

Good on ya Tony :ayyy:










first time you actually never said, buy a triumph :lmao:

[spanky158]

It is TOTALLY Illegal to over take on left, it's a stupid law for 80% of the time because just to get around you do have to 'overtake' on the left. But mark my words if the cops REALLY want to THEY WILL book you and the Ticket will say Overtake on left.

Did you even read the link I posted mate, straight from the legislation site of the NSW government? It is NOT to overtake on the left given the circumstances stated on that site, and in my original post. If the cops book you for it, just quote section 141 (1) of the NSW traffic legislation, cause it certainly ain't illegal to use the left hand lane on a multi lane road to pass a car that is travelling in the right lane.

[j-rad]

Did you even read the link I posted mate, straight from the legislation site of the NSW government? It is NOT to overtake on the left given the circumstances stated on that site, and in my original post. If the cops book you for it, just quote section 141 (1) of the NSW traffic legislation, cause it certainly ain't illegal to use the left hand lane on a multi lane road to pass a car that is travelling in the right lane.

like i said, if the cops want to go after you bad enough dude.....some of em just hate bike riders with a passion. What I'm saying is it's a dumb law, never used in it's intended way and he should fight it, but with a lawyer cause if you lose it becomes a criminal charge which can have many implications later in life. Not his fault it happened, just sometimes you can get screwed is all I'm sayin


J-Rad, I may be wrong but my understanding is close to that which you have written in that it is illegal to 'undertake' as it is called (ie. overtake to the left) any vehicle under any circumstances where that vehicle is travelling in the same direction as yourself. The exception is when that vehicle has indicated their intention to turn.

The problem here is that people have and will continue to be booked for overtaking/undertaking on the left over and above the right lane hog being booked for failure to keep left (one of my big pet hates).



EDIT: Keep an eye on those injuries Dillbee and don't hesitate to get more help if needed.






Garry


Yeh probably, as I said no point asking for legal advice here really, as it's all interpretable to the copper you get, so my point was more, if they want to, they will find a way and call it Overtaking on the left. So important to have a clear story so as not to have them try and rejig what you said happened.

As for the whole bugatti thing, I may well be wrong and fair enough if so, I still don't think 99% of us will ever see one of these in the flesh on the road but I take the point as far as exe cars go, the insurance company may also try and recover costs but the emphasis is on TRY cause at the end of the day it's their word against his as far as what actually happened but so yes fair enough you got me.

What I mean is, if you can afford it, absolutely get it no question there or arguments from me. I only really posted to say to Turtles poorly timed question saying alot of ppl don't have insurance, it's not the end of the world > for some ppl just having a bike is hard enough to attain let along forking out several thousand on insurance.

Even then it has to be an individuals choice either way so perhaps for the less experienced, getting it say a lttle more important than if you're more experienced, not in riding years as such, just in bike control....even the experienced get caught out by random dickwads like Dilbee's new mate or by road conditions BUT to that I say this:

Treat every single vehicle on the road as a potential accident. Yes it's paranoia to the max but not if they're out to get you.

Watch the drivers head, you didn't see them head check setup, squeeze all that jazz

ALWAYS, EVERYWHERE, AT ALL TIME, NEVER FAIL TO GIVE YOURSELF AN OPTION OUT. I cringe when I see bike riders parked at traffic lights sitting in the middle of the lane, essentially tailgating the car in front so when that car doesn't see you're stopped (or in canberra's case, drivers who can't merge from 2 into 1 lane before screaming land rights and coming to an immediate stop so there's a massive pile up for everyone to squabble over) and you become their new bonnet emblem or driven head first into the car in front. I have personaly seen this happen to a random ZZR250 rider on the Monaro Highway in peak hour and it was not pretty. I guess because the bike rider shouldn't have been there cause he was overtaking on the left will mean he will be liable....

Dilbee has been pretty calm about the whole thing which will work in his favour with the PoPo but I just didn't think he needed someone to point out, straight up in public why he didn't have insurance. I don't have it but only ride track so why bother but modern sports bikes BELONG at the track more for our bizarre road laws and poorly trained, inattentive, inpatient, motherfucking cagers :cursing: than anything else

I really hope for a positive outcome for anyone in this position and everyone's right, you just gotta try and get it, but weigh it up first cause 1 year insurance + say a stolen bike excess fee you've just paid for a newish track bike. . . . . :n: If you were 21 and paid that for 4 years that's 32K JUST on insurance....now you'd have to be doing some serious crashing to spend that sorta coin fixing a damaged bike, heck throw a 6K track bike down the road and completly fk it for the same price each year for the same cost.....

:lmao: has that given you enough ammunition yet??? :beer: *jokes*


ignore me, tired of work, tired of hearing rough deals on the road, feel sick everytime I hear about someone who's crashed/reamed by the PoPo. I'm moving to Spain :ninja:

[Mozzie]

:)

[spanky158]

like i said, if the cops want to go after you bad enough dude.....some of em just hate bike riders with a passion. What I'm saying is it's a dumb law, never used in it's intended way and he should fight it, but with a lawyer cause if you lose it becomes a criminal charge which can have many implications later in life.

Yeah, perhaps there are some coppers that hate bike riders with a passion, to be honest, I haven't really found one yet. Yes I have been booked, but only for breakin the law and being stupid. I haven't found one who has pulled me over for the sake of going over my bike or giving me shit for something I didn't do. But even if I had, and got booked for overtaking on the left in the same setup as Dilbee, then I know that I would be headed to court with a copy of that page with the laws tucked under my arm. If I lost that fight in court, would my traffic offence really turn into a criminal offence??



Dilbee has been pretty calm about the whole thing which will work in his favour with the PoPo but I just didn't think he needed someone to point out, straight up in public why he didn't have insurance.



Agree with that, which is why I haven't bought in to the insurance discussion in this chat....

[Captain]

like i said, if the cops want to go after you bad enough dude.....some of em just hate bike riders with a passion.
They're all just drunk with power.


. I'm moving to Spain :ninja:
Sometimes you just gotta get away, I feel the same way lately.

[dilbee]

well what a crap day yesturday was. 1st thing done to the docs. Had to wait for an hour or so with a throbbing head ache since 4.30 in the morning.
Went nect door to see the solictor im with but had to go back at 2.30. Went over to a friends place for a quick visit and then back down the Penrith to medicare to get some cash back on a hp test i just had on monday with a tube stuck down into my stomach for 24hrs.
Went home for about and hour and then back to solictor who i talked to which wasn't the one im dealing with about my back from last year. This guy just talked about filling in forms etc and what you need to do with person injury. He didn't really let me speak of and didn't really get any answers what i wanted to know. Felt like a wast of time with him.
Then i drive down to penrith feeling a bit groggy as the starong pain killers were kicking in. Went to my work to get copies of some docs that the solictor still needs about my back with workers comp. Also another form with worker comp with this acco as i was on my way to work. But yet not sure untill i speak to my solictor on friday about this some more.
So by then its 5 and i went down to where my bike is in the yard where i met up with Vinnie to put it in the tralior. Vinnie yet again your a champ:ayyy::ayyy::ayyy:
Bike doesn't look that bad maybe not a write off. But tex will go over it and have a good look. Tex is also a champ for helping me out.:ayyy::ayyy::ayyy:
So now i drive home and when it 6pm i wanted to call the cop as he will start his shift and i havn't yet talked to him about the acco. Not too pleased with the cop either. He said ill need to come in the station to make my statement. He said if next day shift will be on the 10th and like what the fuck do i have to wait till then. Can i do it now? He said yeah i could come down to parra cop shop, so i go straight there.
Got to the cop shop and made my statement. The asshole in the 4wd said that i rode into him and he was turning left into the street. But he was in lane 2 and i was in 1. Now why would you turn left into a street from the 2nd lane. I have given the young guys details and he was the lady who also saw it which she was traveling the other way. She seem to have saw when i just hit the 4WD.
To make this matter even worse the cop cant decide anything untill he gets the guy in the 4WD to come in and make a statement and also the witness. And could be 6 weeks before my blood test will come back as he couldn't breath test me at the time.
So im rather annoyed with this whole thing right now. Im the one in pain and bike is trashed. All that happened to the guys Landrover which looked fairley new too, was his blinker got knoked out.:cursing:
So thats where its at and i guess no answers for a good few weeks and thats not even b4 insurance will get involed.:cursing::cursing::cursing:

[Johnny]

Gonna do compo for the sore finger too ?

[dilbee]

ill do what ever i gotta do. And if i can sue that bastard in the 4WD i will. Make me so bad that he is lieing and trying to put the blame on me. Hit him up with what ever i can i think. Wait till i speak to my solictor tommorow. The finger doesn't feel that bad but my head and neck does.

[Johnny]

I perhaps missed the sarcasm smillie there.

You just better hope he dont think like you..

[dilbee]

he wont like me after im done with the dirtbag...

[gazujc]

I know it may already have been suggested but I would recommend that your sit down and write (or type) your version of events whilst they are still clear in your head/mind.

Make sure that you cover everything in detail (ie. I saw his blinker and brake lights come on, I saw him looking right etc) making mention that as a motorcyclist you are particularly vigilant in and around traffic because anything can happen. Make sure that you include such things as 'I backed off slightly' as I passed etc, anything that you can recall is and may well be relevant.

Note all conversations you had with people at the scene, decsribe their appearance if needed, anything at all can help.

Get photos of the scene (you have them), the bike, all gear etc.

Describe the road in detail (pics help), were cars parked anywhere etc.

It may seem a bit over the top but whilst things are fresh in your mind now, they may be a bit hazy in a few weeks and/or as this drags on (and by the sound of it there is that chance).

The other aspect is that as the police have not yet spoken wo witnesses or the driver his attitude at the moment may well be that you are at fault as in all fairness if he does not know the area (possible given behaviours) then he may not be fully aware that he is or should be at fault. Once the police do their stuff (cut them slack but phone them very regularly) and if he is charged then his attitude may well change quickly.

Also, make sure you document all the injuries received and get reports and/or erecipts for anything related (even so far as fuel for Vinnie/Tex) so that you can try to recoup these later. But in fairness it sounds like you are fully aware of most anyway.




Garry

[Dr freedom]

Dude, had you had your own insurance, your bike would probably be assessed today or tomorrow & they would be the ones arguing with him & his insurance company.

You would only have to think about fixing yourself up medically & thats it.. but now as the scum has denied being at fault, you have to do the running around, phone calls etc etc .. just some food for thought for next time.

[j-rad]

Yeh mate, this is what I mean about one of the ways you can get screwed.........
If the copper favours the driver for any number of reasons I'd be quite upset, I still think the truth will come out for you as you have witness's so hopefully they back you up and don't say anything that will cause issues for you........

mate I really feel ya pain on this one, just hope its short lived for ya!!!

[j-rad]

Dude, had you had your own insurance, your bike would probably be assessed today or tomorrow & they would be the ones arguing with him & his insurance company.

You would only have to think about fixing yourself up medically & thats it.. but now as the scum has denied being at fault, you have to do the running around, phone calls etc etc .. just some food for thought for next time.

fark dude, you don't think he thought about that before even posting up at all??? Again I hardly think we need to think like this - Garry's post above is much better input and I agree whole heartedly, get it down on paper, take it with you and do as he suggests all the way.

No point thinking about the 'Ifs and Buts' after the event, it'll only drive you mental

[HYPE]

+1 on Garry's post & suggestion... do your homework!





No point thinking about the 'Ifs and Buts'


just some food for thought for next time.

[j-rad]

LOL sorry :D

I just get the shits royally with ppl who point out the blindingly obvious

[Underground]

LOL sorry :D

I just get the shits royally with ppl who point out the blindingly obvious

Hows this for obvious.

Your signature is crooked.

[dilbee]

Why is everybody going on about if i had insurance? Im not bitchin because i didn't have it. If ya want to talk about insurance start up another thread please. If theres any insurance talk ill be the one telling you all as im still to wait what this outcome will be.
Cheers

[Captain]

Just as a general comment dilbee, that's the nature of forum threads. Like conversations, they go one way, they go another way etc. Your original post was just telling us what happened, it started a conversation that took it's own course. It wasn't like you asked for particular advice or anything, was it?

Anyhow not arguing with you, just my 2c. Keep us posted mate, we're certainly on your side and interested to hear how it all comes out.

[Dr freedom]

If the copper favours the driver for any number of reasons I'd be quite upset, I still think the truth will come out for you as you have witness's so hopefully they back you up and don't say anything that will cause issues for you........
!

LOL sorry :D

I just get the shits royally with ppl who point out the blindingly obvious
so do you get annoyed at mirrors often?

Blinding obvious is what people dont see via the blinkers they are usually wearing .. such as yourself, via your last 3 posts.. cause you know, he really didnt seem to know that hes screwed if the cops believe the other person, heck hes even mentioned it twice already, but feel free to point it out again lol

Give us another "I tend to take my chances/ the rider is usually not at fault/ selfish/unselfish" comment again lol .. its pretty much the sort of horseshit that keeps threads like this going, so dont stop now.

[Underground]

If ya want to talk about insurance start up another thread please.

We, the members of NSWRATS collectivley sympathise, feel the hugs.

[Dr freedom]

We, the members of NSWRATS collectivley sympathise, feel the hugs.
Lugs offering Hugs

[Soloarm]

I've seen Dilbee & he looks like a half shut pocket knife twisted in a vice. Insurance or no insurance his bike looks like a beheaded grasshopper he looks like a grasshopper who passed out and was f**ked up the arse and it sucks!!!!

All the best Dills, we ain't no QBE but we will sure help in what everyway we can dude.

Wow RATS what a debate!!!:lmao::lmao: but my eyes were rolling back in my head trying to keep up wth the points score, valid points all round:clap::clap:

[Johnny]

he looks like a grasshopper who passed out and was f**ked up the arse .


What else is new :lmao:



Either way, lets just hope he wasnt fucked by one of those grasshopers that can go for anywhere between 45minutes and a day .. :dohsmiley: (learn something new on Rats everyday ) :lmao:

[Soloarm]

By the way he looked & walked last night...........he walked like a crab! I think it must have been one of THOSE!!!! Grasshoppers mmmmmmmmmmmmm poor dilbee:(

[Turtle]

he looks like a grasshopper who passed out and was f**ked up the arse



and you know what that looks like ???? :confused1:

[dilbee]

more news.
Just called the young guy who is my witness. The cop hasn't yet called him. Just spoke to a mate at work who is studying law. He told me i should call the person who is in charge and explain to them that i need his phone number so i can organise insurance side of things to get rolling. I called the cop shop and asked for the sargent who is in charge.
Now this women who i cant rememebr her name but lets just call her bitch as you will know in a sec.
Explained to her what had happened in a nice and civil manner that i would like to get his number as to organise insurance side of things. Also that i just found out that the cop who is dealing with this hasn't yet called my witness. What the fuck do we pay these people for?:cursing::cursing::cursing:
Her excuss was that he didn't call as she just so happens to be working with him all night and they were busy in the charge room. Also that she knows about the accident as she has read it.
Now the argument starts and she starts to get nasty and ark up about this. We dotn have to give you the phone number as that is not required. Just name, rego, date of birth and lience no.
I explain that i just want to find out who the insurance companies are for both greenslip and property. She saying to me it can be harrasment if i call him asking this. Stupid dumb bitch:cursing:
What you need to do is write a letter, and then what wat days or weeks if he does even reply.
What if i go visit him then and ask for the insurance details. Well that is harrasment and he could call the cops on you. Fuck me!!!!:argue:
So by now after some heated words and also she has the nerve telling me i shoul;d have insurance anyway. No its my personal choice as to if i have insurance or not thank you bitch...:argue::cursing:
So she wants to hang up and have enough argumenting with me so i tell her i want to speak to who is in charge of you...:rules:
So i speak to some bloke and explain what has just been going on and what i would like to know. In a polite and charming way. This bloke understood what i was saying and looked at the case no. There doesn't seem to be a number there?:confused1: But after a little more digging he seems to come up with some old number that relates to older matters. hmmmm.
So he has got my number and hope soon he will get back to me and tell me who the insurance companies are so i can start something.

Oh also the young guy called them same time i did to see whats going on and why the cop hadn't called him yet. What a champ he is. Called him back later and he said he will go in on thursday. I told him ill buy him a case of beer for all the help he has given and doing for me. He said i didn't have to buy any thing as it is just an accident and your the one who is in the right.

Ok finished i think for the day. Carry on talking about insurance, by all means...

[dazzler]

head down arse up dilbs...... your making headway.....the process is but a slow and tedious one at times.....

through all of this you will laugh and cry, for the good cunts you will meet along the way, and the nasty cunts you will no doubt encounter.....

and at the end of it all you can chalk it up to experience.

but make it fun mate, however possible, otherwise you go fucking insane!!!!

[jace]

more news.
i need his phone number so i can organise insurance side of things to get rolling.

Did'nt you get his details at the scene ? :hatter:

[Turtle]

head down arse up dilbs...... .

Geez Dazz sounds like a typical night at home for you....:lmao:

[dilbee]

no i din;t get any details. there were too many people telling me stay where i was etc and the firman soon got there in a few mins and once they did i had oxygen on me and could move till the ambos came and then i was check over for a quick bit and then neck brace and stretchered in the3 back to the amergancy ward. Once i was laid down that was how i was for the next few hours with the brace on.
I didn't get a chance to get any details. Only thing i got was the young guys details as he said ill be your witness as he saw it all. I only have that as i asked one of the ambo guys to get his details as he witnessed it. I dont know when the cop got there as i was gone by then i think.

[jace]

police dont give two hoots about a minor vehicle acco. Believe or not they have more important issues to attend too.

The only reason they get involved is to gather info for the insurance company,(Thats it)if they require it, & in your case it sounds like a big IF.....:confused:

[dilbee]

well just got a call back from the cop who is futher up in th ranks. He has spoken to the guy and told me he has the insurance details at work and will either call me or call the cop who in turn will pass on the insurance details. The cop also asked about what happened as he isn't dealing with the case. Told him the story and also the guy ask the cop who was at fault. Sounds like the dickhead doesn't know the road rules.

[Johnny]

Dilbee, no offence mate, but Parramatta police are one of the bussiest police sations in NSW ( notice the massive court next to it ?). YOu cant expect them to drop everything and bend over backwards for you, it will be, it must be done when they can anyway. Having heated exchanges over telephone with police isnt going to do you any favours, none at all.

Put yourself in the other blokes shoes for one minute, if he was insured, do you think he hasnt notified his insurance company yet ? mate, I betcha his insurance company has quotes for repairs already, so they will be in contact with you one way or the other, there is no need to have atitude with cop, who is the one who will write up the police report. You dont want to piss them off mate..

[dilbee]

Johnny you have got it wrong. I spoke to some women who was in charge of the traffic devision. She was the one who had the attuide and chip on her shoulder. The cop who is dealing with me wasn't there but im sure she will no dout have words with him. Besides that i talked with the cop who is her boss. He was much more helpful and understanding. Just got to wait now for a call from that cop or from the driver.

[Johnny]

Gladly stand corrected on that Dylan.
Ive been there mate..By all means chase it up, but dont overdo it.


pm about to be sent mate.

[oz r1]

Dude, had you had your own insurance, your bike would probably be assessed today or tomorrow & they would be the ones arguing with him & his insurance company.

You would only have to think about fixing yourself up medically & thats it.. but now as the scum has denied being at fault, you have to do the running around, phone calls etc etc .. just some food for thought for next time.

That is correct , but these day's insurance companies can make a decision on who is at fault weather the police think you or the other party are at fault. I had a guy open his door on my car as i was driving past , the police actually saw it but because both cars where drivable(they thought ) did'nt charge any body , until the other guy tried to drive off and couldn't shut his door, so they then stopped him and charged him with neg driving.
I got a quote and the insurance company and panel beater took care of everything , but i received a phone call two weeks later from my insurer say that this type of accident can also be my fault and it doesn't matter who the police have charged and they will be investigating the incident, in Victoria it would have been my fault (as the insurance company said)but in the end he was deemed to be at fault and all i had to do was pick my car up when it was ready.

[jace]

Any progress ?



.

[Turtle]

Sorry if i missed it but did the other party get charged ?

[Cedric]

What do we know?

[dilbee]

ok ill inform you all of what the update is so far.
Spoke to Jase the young bloke who was traveling behind me when the idiot pulled across me. He will be giving his statement tonight as the cop who is doing this doesn't care less about other peoples lives.:cursing:
I got incontact to the young lady also who witnessed the acco. She was walking across the road toward me when she herd a bang and suddenly looked across and saw me flying in her words like a monster truck show. I asked them both how did i come off as all i know it was bang, thud tumble and stop i think.
They said it looked real bad and that i did a 360 in the air. Im guessing i must of hit the front of the bike which maybe why the top fairing bracket had snapped clean off when i was doing my areobatics. The hard hit to the head could of been me landing on my head. :confused1: And i seemed to also ended up with leg either side of the street post. The crown jewels almost copped it.

Ok so now im waiting for qoute from tex for repairs which doesn't really matter as where the frame slider is the bolt there has slightly opened up the lug which is part of the frame. Also a mark on the swing arm due to exhaust. But even for all that parts and labour im sure will give it a repairable write im sure. But insurance hasn't even done anything bar send out the paper to the driver as he seems to have conatcted them. I called them to see if he had done anything which he seems to have just called them, but hasn't returned back anything thing. :cursing:

So hoping by early next week ill have all my reciepts and so forth and my letter of demand to make him pay around 15k all up. Im sure then he will pass that on the the insurance company will then start. If they dont pay everything that is owed to me and what ever is left ill take him to court with small claims.

I cant sue the bastard and im on workers comp now for the injury side. Still my right side of my head gets pains for hours and neck still not right. Also can hear sometimes a slight grinding of bone at the base of my head and neck. Next week if my head still getting pains ill get some scans as the doc just says it will pass and headaches could be weeks still.

So yeah im still off work till next friday at least so far and yet im out of pocket of about $500 so far mostly towing fee and 1st doctor visit. And no bike as it fucked. Almost had my car writtern off tonight too due to some stupid women not looking when i was coming through a roundabout.:cursing:

So when i do get all my money back pay off my personal loan and then decide what bike to get with a bike loan and insurance so not to fucken wait for dickheads in this world.

[dilbee]

also here a tip. If traveling to or from work and the other person hits you. You go with workers comp. If later injuries or more attention etc is needed then you go with the other parties greenslip. You hand in the greenslip insurance personal injury claim but that it. You do everything with workers comp at the start. So in terms its like short term it would be workers comp but if down the track the injuiries cont. Then you swap over to the green slip side. Then then you have both sides covered so to speak. Also if you go through the green slip insurance you wont get your 1st weeks pay but with workers comp you will.
My solictor is taking care of this and explained this to me.
Hope that might help someone but i hope not as being injured due to other idiots isn't fun.

[dilbee]

update:

Insurance has now finally believe me after they have recieved the police report. They will send someone out to look at my bike. I need to send them a copy of all my invoices and rego to them. So it finally looks like ill get paid with a cheque after all this time.

The driver has paid his infrigment notice and told Swann that he wasn't happy about the situation. How fucked is this idiot who came to a mm or two from ending my life or to be paralyzed from the neck down. What if i drop him on his head at 60k/h and take away his 4wd and then see how he feels. :cursing::cursing::cursing:

Swann might only offer as little as possible im sure and i'll not except that and tell em im take it to court and that then they will have to cover solictor costs of a couple of grand as im determined to win. So then they should come back with a better offer.

Im not sure yet what ill do with either buying my bike back or not or to buy another. Ill wait and see how much ill get back and that should get me out of debt.
Even had second thoughts about getting another bike right now. The will just isn't there right now.

Just taking things as they come right now.

Also i should be not riiding yet untill my fracture heals and my neck is better.

[philvell]

Hey Mate

let us know how you go with dealing with Swann, it'll be interesting to see how they handle it

Cheers

Phil

[Birdman45]

count yourself lucky the driver was charged. In my case they didn't give her a fukin thing, even though her statement says directly that she broke the law and caused teh accident. They still tried pinning it on me. I am still a year down the track going through the green slip and court deals. Once that is over I am gonna se if they did actually charge her with anything and if not can they still and what else can I get done about her coz she has fukt me for life.......... my arms, wrist back and neck will never be the same and as far as I know she got NOTHING. Her insurance company even had the hide to send me a letter of demand for $20K to the damage of her car. LOL I replied to look at her witness statement and let me know when what she says she did becomes legal, then I'll cough up, til then , jam it where the sun don't shine. Never heard another word from them.

[Dr freedom]

update:

Insurance has now finally believe me after they have recieved the police report. They will send someone out to look at my bike. I need to send them a copy of all my invoices and rego to them. So it finally looks like ill get paid with a cheque after all this time.

The driver has paid his infrigment notice and told Swann that he wasn't happy about the situation. How fucked is this idiot who came to a mm or two from ending my life or to be paralyzed from the neck down. What if i drop him on his head at 60k/h and take away his 4wd and then see how he feels. :cursing::cursing::cursing:

Swann might only offer as little as possible im sure and i'll not except that and tell em im take it to court and that then they will have to cover solictor costs of a couple of grand as im determined to win. So then they should come back with a better offer.

Im not sure yet what ill do with either buying my bike back or not or to buy another. Ill wait and see how much ill get back and that should get me out of debt.
Even had second thoughts about getting another bike right now. The will just isn't there right now.

Just taking things as they come right now.

Also i should be not riiding yet untill my fracture heals and my neck is better.
I gotta say, Ive never had issues with insurance & it would not feel comfortable at all knowing your insurance company is trying to screw you down, although if all this falls over, cant you sue the driver via a civic suit?

[dilbee]

Its not my insurance its his. I wasn't insured. But yes if i had to sue him small claimes court is where id take it if its under 20K.