On Thu, 30 Jun 2016 20:50:31 +0100, Rod Speed wrote:
"James Wilkinson" wrote in message
news
On Thu, 30 Jun 2016 04:40:23 +0100, Rod Speed
wrote:
"James Wilkinson" wrote in message
news
On Wed, 29 Jun 2016 03:01:44 +0100, Rod Speed
wrote:
"dennis@home" wrote in message
web.com...
On 28/06/2016 22:23, James Wilkinson wrote:
The NHS is basically a compulsory health insurance, and a ****ty one
at
that. Insurance should never be compulsory.
I take that aussies don't need car insurance either, eh rod.
I choose not to insure my 10 year old car because it would
be completely trivial to replace it if it did need to be replaced.
Just wave the phone at the point of sale terminal even if I
did replace it with a brand new one.
I only insured it for a couple of years when it was new
because the insurance was so cheap, $100 a year, and
we have lots of illegal immigrants here and it would
have been a bit irritating to have it wiped out by one
of them and to have them **** off back where they
came from. The insurance company kept jacking up
the premium on every renewal, even tho I never made
any claim at all, so I gave them the finger and didn't
bother to renew.
So in Aus you can drive around with no insurance?
No, what we can third party is compulsory, that covers personal injury,
but not the cars involved or what they run into either with property.
So with your "third party", let's say we both have that type of insurance,
and you crashed into me and it's all your fault. Your insurance would pay
for my injuries, but I would have to pay for fixing my car?
You are free to make the other driver pay for fixing your car.
And how do I make him do this?
And your injuries would be paid for even if neither of you
had the compulsory third party insurance too, because
there is provision for that situation in the legislation.
And they would be covered by our equivalent of your NHS anyway.
What if you right off another car? Who pays for that other car?
The person who is at fault/caused the accident. If they both
did, they split the cost. If say one of them contributed 10%,
they pay 10% of the cost if the cars arent insured.
So it comes out of your own pocket?
Only if you don't have what we call comprehensive insurance.
So if I have comprehensive, and you have third party, and you damage my car 100% your fault, the money comes out of my insurance company's pocket?
That's far too sensible. Over here we have to have insurance to cover the
damage to the other car.
To complicate things even more, we also have a third type of
car insurance, called third party property, which doesn't cover
your own car at all, but does pay for what damage you cause
to other people's cars and for damage to other people's
property, like when for example you come off the road at
speed and demolish or damage their house etc.
That's what we call "third party" and is the legal minimum. Although I've gotten away without it on a few occasions. Crashed into someone once, I just gave him some cash.
If the car that is written off has the voluntary what we call
comprehensive insurance, it pays for that car regardless of
whose fault it is and can in theory recover the cost from the
driver of the other car if that person caused the accident.
In practice they don't normally do any more than demand
that that driver pay for it and do nothing if they get an
obscene gesture from that driver.
--
I once got the stuffing beat out of me fighting for a girl's honour.
She wanted to keep it.