Crashed My 33 And Insurance Wont Pay?

[warps]

Edit: nah, not worth the hassle

Edited January 23, 2010 by warps

[iadore4door34s]

All I am saying is its ok to have an opinion, but I don't go into the mod forums telling guys who work on turbo's what their job is about and how it is

All I am saying is that while insurance looks black and white, it is more grey. I know the reason why he should dispute it and until I change companies I can't disclose the reason as I'm bound by my conditions of employment. Almost every financial services company does the same thing with regards to protecting its secrets.

hahahaha, MSTRshenanigans, i cant believe your still in here arguing with these guys.. quite clearly none of them know what they are talking about and when confronted with someone in the industry, the "think they know all but really dont" warriors will come out and voice there opinion.. obviously what you'v stated is accurate, i just went and asked my housemates missus (she works for AAMI) and she says that theyre legally not allowed to give a p plater insurance for an exempt car, if he's a nominated driver of the vehicle.. so yeah, good call shenanigans, i advise to just ignore the people questioning you in this thread, otherwise you'll be here for ever..

and to the p plater lad that crashed his turbo car..

why do you have a turbo, i dont understand all these p platers that get turbo cars, do they not know that insurance wont cover them?? part the car out, by an NA car.. and learn from this..

Edited January 23, 2010 by iadore4door34s

[skins]

Need some help otherwise I'm farked! Anyone here know what I can do?

I got in an accident just before christmas came around a corner in the wet and back came out and then I slid

the other way and hit this women in a magna. And insurance are sayin they wont pay cause my car is a

turbo and cause I have p-plates I cant drive a turbo. But they took my money when I got insurance with them.

I called just cars and told them that they took my money so they have to pay but the person said that the guy

they sent to look at my car told them it was a turbo and they had pictures of the engine bay abd that it

wasnt rodworthy cause the back tires are bald so they don't have to pay.

This is such farking shit. The p-plate law is stupid anyway and I shouldnt have to pay. The women is insured with

the same insurance company as me so are they just trying to get out of paying? They sent a letter saying I owe her

$7000 and have til Feb 10 to pay.

So your the reason why my premium's are so high. Thanks very much

Maybe when the other driver sue's you for damages and a injury claim, you might wake up a little.

[zebra]

Ill add my 2c.

When I got my insurance for the 33, Not once did they ask if I was a P plater...they asked how long i had being driving for but that is it, P-plates was not mentioned once.

Shennanigans - are you trying to tell me that say the local parts place is not allowed to sell me an Z160 (308 holden) oil filter for my skyline because It doesnt suit / wont work, because in the book it says z154.

Afaik, and im no expert - no doubt the OP signed the dotted line saying that (insert conditions here) are not met, i.e bald tyres, P plates, being a dick etc, That his insurance is voided.

HE can be sold the insurance but it isnt worth the paper its written on.

[Humbla]

Ill add my 2c.

When I got my insurance for the 33, Not once did they ask if I was a P plater...they asked how long i had being driving for but that is it, P-plates was not mentioned once.

Shennanigans - are you trying to tell me that say the local parts place is not allowed to sell me an Z160 (308 holden) oil filter for my skyline because It doesnt suit / wont work, because in the book it says z154.

Afaik, and im no expert - no doubt the OP signed the dotted line saying that (insert conditions here) are not met, i.e bald tyres, P plates, being a dick etc, That his insurance is voided.

HE can be sold the insurance but it isnt worth the paper its written on.

Agree with you totaly,this is so wrong.The insurance comp gave him a policy,they should of told him no p platers,seems pretty simple to me,unless he thought he would be covered any way,lots of naieve peeps out there.

[skins]

Is it just me or shouldn't he have been driving it in the first place ? You have a P licence and your not allowed to drive a turbo, so what do you do ?

Go and buy one.

Seriously at what point did you think that was a good idea ?

I bought this car for a few reasons

1. I could legally drive it on the road

2. It was roadworhty

3. I could get full comprehensive insurance

4. Did I mention I could legally drive it on the road?

5. I liked the car

This type of c.... The skyline has a reputation of being associated with hoons and other undesirables on the road. Your type of activity doesn't help. I own one. I do the right thing. I don't speed. I don't drive stupidly. I drive to the road rules and yet because of the reputation this vehicle has ( thanks to your type of driving mentality ) I'm always having a police car following me or giving me a second look.

I stick by my other comment.

I hope the other driver sue's you for damages and injuries sustained. Then maybe just maybe, you'll wake up to yourself and stick to the rules.

Insurance companies will sell you insurance based on what you tell them. I had a KE70 and I put a new exhaust on it and I didnt tell my insurance company that i had done it for a week thinking that it wouldnt have affected my policy. WRONG. If I had a accident my insurance would have been void. There happy because they took my money.

Wake up to yourself.

Stick to the rules and you can't go wrong.

Seriously people like you are the reason I want to sell mine.... Did you want to buy mine ? Oh that's right... YOU CANT DRIVE IT!

[R31Nismoid]

That's a bit rich coming from a "oh there's a really big reason but its a secret, so stop questioning and just belive it." person. Don't get me wrong, there might and probably is whatever there is your talking about, however, you need to know that if you jump onto an internet forum, go on about some big secret that you can't tell us, you can't then get pissed off at us for not taking it at 100% gospel.

ye i think that came up on page 2, still nothing has been put on the table as to why the policy would still apply and so on.

[sh@un]

Is it just me or shouldn't he have been driving it in the first place ? You have a P licence and your not allowed to drive a turbo, so what do you do ?

Go and buy one.

Seriously at what point did you think that was a good idea ?

Because by His attitude it's obvious He sees the 'rules' as being stupid and pointless and a major drag and not worthy of His superior consideration.

Please just overlook the minor issue of Him, predictably, proving in the end why the government felt the restrictions were needed in the first place.

Like The Prodigy song goes "F**k 'em, and their law"

[joeyjoejoejuniorshabadoo]

[MSTRshenanigans]

Shennanigans - are you trying to tell me that say the local parts place is not allowed to sell me an Z160 (308 holden) oil filter for my skyline because It doesnt suit / wont work, because in the book it says z154.

Afaik, and im no expert - no doubt the OP signed the dotted line saying that (insert conditions here) are not met, i.e bald tyres, P plates, being a dick etc, That his insurance is voided.

HE can be sold the insurance but it isnt worth the paper its written on.

Since when have you ever signed anything to get insurance? LOL. If you are going to argue the point and not go read the Financial Trades Act please stop right now.

hahahaha, MSTRshenanigans, i cant believe your still in here arguing with these guys.. quite clearly none of them know what they are talking about and when confronted with someone in the industry, the "think they know all but really dont" warriors will come out and voice there opinion.. obviously what you'v stated is accurate, i just went and asked my housemates missus (she works for AAMI) and she says that theyre legally not allowed to give a p plater insurance for an exempt car, if he's a nominated driver of the vehicle.. so yeah, good call shenanigans, i advise to just ignore the people questioning you in this thread, otherwise you'll be here for ever.

This is true, however, I want the truth known. I'm not getting stirred up. I'm just posting the same way I would put a misbehaving customer in their place.

Insurance companies will sell you insurance based on what you tell them. I had a KE70 and I put a new exhaust on it and I didnt tell my insurance company that i had done it for a week thinking that it wouldnt have affected my policy. WRONG. If I had a accident my insurance would have been void. There happy because they took my money.

They legally can't sell you the product. The rule as per financial Ombudsman is that they customer doesn't need to know anything, the insurer must do the right thing and ask ALL questions, if they missed one its their fault not the customer. (only example of this that is not the case is if you neglect to mention you got done for fraud)

REMEMBER:

[LeCoq]

bro ur farked.....If i was you i would lie to them and say i got an R33 GTST with no turbo over the phone, but if they gonna check the car and shit ur farked...i mean p plater??? u mite as well drive an honda lmao...Skylines arent build for p platers bro

[Cowboy1600]

even if that is all true, the simple fact that his car had bald, unroadworthy tyres will mean his claim is not paid anyway. at the absolute best he's looking at a refund of all or part of his premium payments, but if you reckon they will pay out his claim I think you're way too optimistic. anyway, like I said if he wants to fight it I would suggest he go and get some actual legal advice. not advice from anonymous users of a forum (me included).

BB, just because an insurance company puts a clause into their contract stating they won't pay out if certain conditions are met, doesn't necessarily mean that it will actually stand up in court.

There are a whole bunch of things an insurance company are compelled to do, and many conditions under which they must pay, regardless of how they attempt to shirk their responsibilities.

Personally I think the OP is either a troll or just a complete f**kwit. But the ensuing discussion has been interesting and it's certainly telling that people assume everything that the insurance company says is gospel.

[Ziller]

Booking my car in to a Just Car assessor just to be safe, fore warned is fore armed.

335-345 City Rd South Melbourne 96968877

[liveordie72089]

Tough break. Has this been settled? Whats the outcome?

[joeyjoejoejuniorshabadoo]

bro ur farked.....If i was you i would lie to them and say i got an R33 GTST with no turbo over the phone, but if they gonna check the car and shit ur farked...i mean p plater??? u mite as well drive an honda lmao...Skylines arent build for p platers bro

a non turbo gtsT... great suggestion einstein

[R31Nismoid]

bro ur farked.....If i was you i would lie to them and say i got an R33 GTST with no turbo over the phone, but if they gonna check the car and shit ur farked...i mean p plater??? u mite as well drive an honda lmao...Skylines arent build for p platers bro

dumbest post of the month - you win!

[Mizz33]

there's no good complaining that the insurance company screwed you - you screwed you!

I have insurance for my R33 with justcars and when i first insured my car they went through a shit load of questions with me that lasted almost 10 mins, and asked stuff like what year, series and model it was along with if it was turbo or not and they asked my age and wether i have ever had an accident before etc.

So at the end of the day IT IS YOUR FAULT for driving a car you are legally not surposed to be driving in the first place, along with the fact you were silly enough to be driving in wet conditions with bald tires and could of seriously injured or killed someone through your own stupidity!

And i'm sure if the police had been called to come to the scene you would of more than likely been charged with reckless driving, bald tires andd riving a turbo car on your P's so i think you got of pretty lightly to what could of happened to you.

[RB25PWR]

Any update on this? It's past Feb 10th now (when the OP was supposed to cough up $7k); I'm curious

[MSTRshenanigans]

FYI he never contacted me, such an idiot.

Mizz33 - stop being a troll without clue... wasteland is that way ======>

[Mizz33]

MSTRshenanigans you must feel pretty big calling people trolls, stop trying to defend his stupid actions and go get a tissue and stop your whining ya little skirt