OHbaby! Forums : any lawyers on here, ? about insurance https://www.ohbaby.co.nz/forum/ Copyright (c) 2006-2013 Web Wiz Forums - All Rights Reserved. Sat, 09 May 2026 01:21:38 +0000 Wed, 21 Jan 2009 09:13:41 +0000 http://blogs.law.harvard.edu/tech/rss Web Wiz Forums 12.05 360 https://www.ohbaby.co.nz/forum/RSS_post_feed.asp?TID=23888 <![CDATA[OHbaby! Forums]]> https://www.ohbaby.co.nz/forum/forum_images/web_wiz_forums.png https://www.ohbaby.co.nz/forum/ <![CDATA[any lawyers on here, ? about insurance : I don&#039;t see how that can...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23888&PID=593417&title=any-lawyers-on-here-about-insurance#593417 Author: minik8e
Subject: 23888
Posted: 21 January 2009 at 9:13am

I don't see how that can work, because you may be able to prove the damage but you can't prove how it happened and who was at fault - yeah they might be able to prove that the other car hit YOU but they can't prove for example that you hadn't pulled out in front of the car that hit you - which would mean you are at fault.

Most policy wordings are pretty clear that if you can't identify the third party and they don't admit liability, then you are liable for the excess. ]]> Wed, 21 Jan 2009 09:13:41 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23888&PID=593417&title=any-lawyers-on-here-about-insurance#593417 <![CDATA[any lawyers on here, ? about insurance : I saw a couple of interesting...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23888&PID=593330&title=any-lawyers-on-here-about-insurance#593330 Author: Hopes
Subject: 23888
Posted: 21 January 2009 at 8:00am

I saw a couple of interesting bits in the Herald's 'sideswipe' on a kinda similar case -

Originally posted by Yesterday’s Sideswipe Yesterday’s Sideswipe wrote:

Austen Restall writes: "To the 35-year-old schmuck from Melbourne who, driving his father's black AMG Mercedes, reversed into me at the Milford shops on Christmas Eve, and then said he needed to check on his girlfriend and collect his father who lived just up the road. You taught me a valuable lesson when you never came back: get the licence plate number at all costs. Obviously, to some, a handshake means nothing. I'm a 20-year-old apprentice with a $2000 age-related excess on my own insurance. Let's hope your father is twice the man you are and will step up for the true story on how his Merc got damaged on Christmas Eve."


Originally posted by Today’s Sideswipe Today’s Sideswipe wrote:

Lawyer Zahir Mohamed writes: "If the 20-year-old Austen can satisfy his insurer of the truth of his allegations by supporting evidence such as the nature of the damage to his vehicle, together with a report from an experienced panel beater or an accident investigator, it is highly likely that the insurer will indemnify him in full, waiving the excess. Failing this, the Disputes Tribunal might accept his evidence in a claim against his insurer."


Sounds similar to your case? If they lawyer isn't way off, maybe it's still possible?]]> Wed, 21 Jan 2009 08:00:32 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23888&PID=593330&title=any-lawyers-on-here-about-insurance#593330 <![CDATA[any lawyers on here, ? about insurance : That sucks but yeah if you don&#039;t...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23888&PID=593278&title=any-lawyers-on-here-about-insurance#593278 Author: Bobbie
Subject: 23888
Posted: 20 January 2009 at 10:54pm

That sucks but yeah if you don't know who did it (or in our case they lie and give you false details) then you have to pay the excess.]]> Tue, 20 Jan 2009 22:54:47 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23888&PID=593278&title=any-lawyers-on-here-about-insurance#593278 <![CDATA[any lawyers on here, ? about insurance : Yep, the only way to get around...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23888&PID=593004&title=any-lawyers-on-here-about-insurance#593004 Author: Danaj
Subject: 23888
Posted: 20 January 2009 at 6:41pm

Yep, the only way to get around it is if the other party admits fault. Just been through it ourselves and it was an uphill battle. If they don't admit (or don't stop) then you have to pay. Sorry chick. We had the option to pay a higher premium for a low excess and it's paid off twice as just like you, a truck has backed into us TWICE in the last year. ]]> Tue, 20 Jan 2009 18:41:02 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23888&PID=593004&title=any-lawyers-on-here-about-insurance#593004 <![CDATA[any lawyers on here, ? about insurance : I worked for an insurance company,...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23888&PID=592933&title=any-lawyers-on-here-about-insurance#592933 Author: Snappy
Subject: 23888
Posted: 20 January 2009 at 5:39pm

I worked for an insurance company, and unfortunately, as the others have said, they wont waive an excess unless they have the name of the offender, or if someone accepts liability.

Its so unfair and such an unfortunate thing to happen, especially twice in a row. You poor thing.
]]> Tue, 20 Jan 2009 17:39:27 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23888&PID=592933&title=any-lawyers-on-here-about-insurance#592933 <![CDATA[any lawyers on here, ? about insurance : well i have to say that just sucks,...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23888&PID=592878&title=any-lawyers-on-here-about-insurance#592878 Author: Kazzle
Subject: 23888
Posted: 20 January 2009 at 4:33pm

well i have to say that just sucks, its not fair that we be penalised for something that wasnt our fault..although i do understand why they do it, its just not fair]]> Tue, 20 Jan 2009 16:33:07 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23888&PID=592878&title=any-lawyers-on-here-about-insurance#592878 <![CDATA[any lawyers on here, ? about insurance : If you don&#039;t have the details...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23888&PID=592846&title=any-lawyers-on-here-about-insurance#592846 Author: clover
Subject: 23888
Posted: 20 January 2009 at 4:01pm

If you don't have the details of the other driver you will have to pay the excess, no way round it I'm afraid.]]> Tue, 20 Jan 2009 16:01:52 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23888&PID=592846&title=any-lawyers-on-here-about-insurance#592846 <![CDATA[any lawyers on here, ? about insurance : I&#039;m pretty sure you can&#039;t...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23888&PID=592837&title=any-lawyers-on-here-about-insurance#592837 Author: pepsi
Subject: 23888
Posted: 20 January 2009 at 3:54pm

I'm pretty sure you can't get out of paying the excess if you couldn't get any details for the other driver. If there are no details then they have no-one to pursue for costs..]]> Tue, 20 Jan 2009 15:54:28 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23888&PID=592837&title=any-lawyers-on-here-about-insurance#592837 <![CDATA[any lawyers on here, ? about insurance : PM minik8e she works for an insurance...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23888&PID=592835&title=any-lawyers-on-here-about-insurance#592835 Author: caliandjack
Subject: 23888
Posted: 20 January 2009 at 3:53pm

PM minik8e she works for an insurance company.

]]> Tue, 20 Jan 2009 15:53:05 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23888&PID=592835&title=any-lawyers-on-here-about-insurance#592835 <![CDATA[any lawyers on here, ? about insurance : what does the nasty small print...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23888&PID=592828&title=any-lawyers-on-here-about-insurance#592828 Author: fire_engine
Subject: 23888
Posted: 20 January 2009 at 3:49pm

what does the nasty small print on the policy say?]]> Tue, 20 Jan 2009 15:49:12 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23888&PID=592828&title=any-lawyers-on-here-about-insurance#592828 <![CDATA[any lawyers on here, ? about insurance : for the second time in 5mths some...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23888&PID=592812&title=any-lawyers-on-here-about-insurance#592812 Author: Kazzle
Subject: 23888
Posted: 20 January 2009 at 3:29pm

for the second time in 5mths some silly buggar has hit our car (both times neither person has stopped), the first was written off, and this one we are awaiting to see if it can be fixed,

but my question is, neither time was our fault, and because the person didnt stop we have no details for them, so the insurance company is making us pay the excess, even the police reckon we shouldnt have to pay the excess as it was in no way our fault...

so my question is, how do we go about getting the insurance company to wave the excess, ive argued till im blue in the face with them today, but they just wont budge]]> Tue, 20 Jan 2009 15:29:52 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23888&PID=592812&title=any-lawyers-on-here-about-insurance#592812