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Thread: Should car insurance be compulsory ?

  1. #1
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    Should car insurance be compulsory ?

    Just had a nearly new vehicle potentially written off by an uninsured driver !

    The MUX only had 9,000Km on the clock, the other party pulled out of a junction in front of me on an Industrial Estate. I started to brake, the auto braking couldn't react quick enough as he was heading across the front of the vehicle. He claimed he didn't see me (daytime lights, big blue vehicle).
    Wasn't high speed but the airbags deployed and the seat belt tensioners fired. I'm OK, the other guy was a bit shaken up.

    Many vehicles stopped to check we were OK, One lovely man checked I was OK, no chest pains etc, cleared the debris from the road then borrowed a broom from a nearby company & swept up !

    I guess the other party will be paying $20 per week for the rest of his life ?

    Off to work in a moment then I have to deal with the insurer, Already spoken with the dealer, next Feb for a replacement.


    Colin
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  2. #2
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    I think basic insurance ie the other car gets repaired yours you do what you like (often called bomb insurance) should be compulsory. The other issue I dont like is despite the fact you were not at fault, your insurance will still go up. I had minor damage done to my car $500 and not my fault. However on renewal I went from Rating 1A to 1D and an increase of about $200. By the time I got back to 1A rating I had paid for the damage to my car and a bit more. No doubt with uninsured you will be pinged the same.
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    I recon it should be,it would stop a lot of heartache,but like everything,no matter what the regulations are,some still wont do it.

    There are thousands of vehicles being driven everyday,unregistered and many unlicensed drivers on the road as well.

    When i worked at AE Smith and sons,they had no insurance on any of their company vehicles,apart from CTP.And they had hundreds of them,at many branches all over the country.
    They always said they were financially way ahead,compared to if they had insurance.
    i had one of their vehicles ,a Falcon P/V written off in a bad hail storm.That was the first vehicle they had ever had written off in a storm,but it was one hell of a storm.Almost every panel was peppered with dents,and the lights and windows smashed.
    Just for a bit of trivia,the bosses Fairlane was stolen and used in a bank robbery,they got it back,bullet holes in the rear doors and panels,blood all over the seats
    Paul

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  4. #4
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    Yes, should have proof of either Comprehensive or Third-Party Property before vehicle is registered each year. Maybe we need to follow the US where when you get pulled up by the police, they ask you for your licence & insurance & if you don't have insurance, you are fined or lose your licence.
    Many, many years ago my wife was in an accident, the other driver & his wife was deaf & could not speak so had to do all talking by notes. My wife was driving straight ahead & was on right of other driver & he had a give way sign so should have given way. Turned out they were uninsured, didn't work & told us to take them to court. We decided it would be more cost effective to just replace the front guard ourselves than to pay for a Lawer & he would get league aid. One of the reasons we went that way was, was we had sold the car & if we had gone through our insurance, it would have taken too long to have fixed, the buyer still wanted to buy the car at a reduced price to cover having the guard replaced & painted.

  5. #5
    Homestar's Avatar
    Homestar is offline Super Moderator & CA manager Gold Subscriber
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    Hope you're all ok Colin - Airbags are not pleasant things to experience when they go off. Maybe the world is telling you you shouldn't have moved away from the Territory...

    But seriously, a real **** and yes, some form of insurance should be compulsory - it is in most countries - not sure why we drag the chain so much on simple things like this to be honest.
    If you need to contact me please email homestarrunnerau@gmail.com - thanks - Gav.

  6. #6
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    Quote Originally Posted by 1950landy View Post
    Yes, should have proof of either Comprehensive or Third-Party Property before vehicle is registered each year. Maybe we need to follow the US where when you get pulled up by the police, they ask you for your licence & insurance & if you don't have insurance, you are fined or lose your licence.
    The US setup is not straightforward like ours where we all have compulsary third party 'personal' cover as part of our vehicle rego requirements.

    What type of minimum liability cover they have to have in US is dependant on their state regulations.

    But I think our current system is adequate as it always covers you for injury liability to others. As long as you have your own third party 'property' or comprehensive on top of your rego, you don't need to concern yourself whether the other party is insured or not, my policies don't require me to pay any excess unless I am at fault, or I can't provide the other drivers details for them to chase up.

  7. #7
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    Quote Originally Posted by Homestar View Post
    Hope you're all ok Colin - Airbags are not pleasant things to experience when they go off. Maybe the world is telling you you shouldn't have moved away from the Territory...

    But seriously, a real **** and yes, some form of insurance should be compulsory - it is in most countries - not sure why we drag the chain so much on simple things like this to be honest.
    Should be like the UK model, no insurance no road tax (reg) so illegal to drive without it.
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  8. #8
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    Quote Originally Posted by Homestar View Post
    Hope you're all ok Colin - Airbags are not pleasant things to experience when they go off. Maybe the world is telling you you shouldn't have moved away from the Territory...

    But seriously, a real **** and yes, some form of insurance should be compulsory - it is in most countries - not sure why we drag the chain so much on simple things like this to be honest.
    Thanks Gav,
    Low speed but still scary when they go off. A change of underpants and I was OK

    Spent about 30 minutes on the phone to the RACV (insurance) this morning. Hire vehicle sorted, sounds like the car might be replaced, they have a team that will track down the same model/spec/colour. I'm sure I'll be out of pocket somewhere along the line but not as much as the bloke that caused the accident !

    Colin
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    '56 Series 1 with homemade welder
    '65 Series IIa Dormobile
    '70 SIIa GS
    '76 SIII 88" (Isuzu C240)
    '81 SIII FFR
    '95 Defender Tanami
    '58 Series II (sold)
    Motorcycles :-
    Vincent Rapide, Panther M100, Norton BIG4, Electra & Navigator, Matchless G80C

  9. #9
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    Sucha bugger that the accident happened at all.

    I think that to be on the road TPP should be a minimum. Your choice if you don't want your car covered, but anything that you hit should be covered.
    Cheers
    Slunnie


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  10. #10
    Lionelgee is offline YarnMaster Silver Subscriber
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    Quote Originally Posted by gromit View Post
    Thanks Gav,
    Low speed but still scary when they go off. A change of underpants and I was OK

    Spent about 30 minutes on the phone to the RACV (insurance) this morning. Hire vehicle sorted, sounds like the car might be replaced, they have a team that will track down the same model/spec/colour. I'm sure I'll be out of pocket somewhere along the line but not as much as the bloke that caused the accident !

    Colin
    G'day Colin,

    Good to hear that you are okay. Now you have to go through the inconvenience of going without your car until it is fixed. Just a subtle reminder of the event and your experiences of it.

    Kind regards
    Lionel

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