14

The uninsured

by Whaleoil on September 7, 2010

From the Earthquake zone via the tipline.

When you own a house with a mortgage or a car and have a loan there is a requirement to maintain them in an insured state. For cars that means making sure they are registered and warranted. The owners of these two cars are in for a shock when they trot along to the insurance company.

The Subaru Impreza, it seems it didn’t have a WoF. Maybe it was left there deliberately! Even if not, it shouldn’t have been on the road.

The BMW in the other picture also didn’t have a WoF, and its licence expired on Sunday.

There are calls, from the pinko and the mendicant classes, for the government to bail out those who didn’t have insurance. I will maintain my consistency and call bullshit on that. The government shouldn’t have bailed out SCF and they sure as hell shouldn’t bail out the uninsured. If the government bails out the uninsured then every insurance company may as well just close their doors as there is no need for insurance anymore, the state will have effectively nationalised the whole industry.

Subaru Impreza - no warrant for 3 months

Subaru Impreza - no warrant for 3 months

BMW - No warrant for two months

BMW - No warrant for two months

Toyota Corona -No rego for over a month

Toyota Corona -No rego for over a month

Boy-racer cars and dodgy unlicensed cabs, crushed and off the streets, there are some blessings amongst the carnage.

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  • monty

    Loooks like Crusher Collins has had divine help from God.
    First the Jamdeton comment and now this – there really is devine influence going on here.

  • hagues

    I’m sick to death of seeing people driving around in unwarrented and unregistered cars. If the insurance complanies use this excuse to not pay out the claim, I say good on them, serve the buggers right.

  • tonyjoe

    Unfortunately (or fortunately for these vehicle owners) the lack of a wof or rego will not allow the insurer’s to decline a claim. They can only decline claims if the lack of wof or rego materially affected the claim.

    • http://whaleoil.gotcha.co.nz Whaleoil

      Actually they do materially affect the claims, they shouldn’t have even been on the road, to have had them on the road would have been an offence. Especially for the cab driver. His business continuity insurance in particular is now fucked.

      • moss106gti

        This is not true. These owners also have the Insurance Law Reform Act on their side, which codifies that an insurance company cannot avoid paying a claim for a breach of contract, if that breach did not materially increase the risk of loss.

        State have tried this in Court when a girl lent her car to an under-25 not named on her policy. The car was hit whilst parked, State did not want to pay, took it to court and got told to pay, the Court did not even want to entertain the idea that State could avoid the claim. This provision will thus not likely be tested again by the Insurance companies, at least not in court.

        If both the cars had a WOF/Rego, then the bricks would have still fallen on them, if they were on private property as they should have been under the law, loss could/would likely have occurred all the same. Hence the breach of the policy is nowhere near material enough for the companies to avoid the policy. Any attempt to deny claims will be struck down very quickly.

        • http://whaleoil.gotcha.co.nz Whaleoil

          Uhmmm….if the WOF/Rego was expired then the cars shouldn’t have ben on the road, that is an illegal act, they were on the road and not on private property, therefore voiding their insurance. It’s a little chicken and egg but at the end of the day your insurance is contingent on keeping the vehicles complied with laws and regulations, these weren’t just little mishaps…they were months overdue, that shows intent to ignore the law.

    • http://whaleoil.gotcha.co.nz Whaleoil

      Plus my experience of insurance companies are that they are cunts especially if they are Fidelity Life. So take your inside insurance knowledge and shove it up your arse.

  • kehua

    I don`t know wether JK has the balls to stand up to the bludgers demands, he wants to be everyones best friend. Life isn`t like that and well he knows it , but knowing something and then ignoring it is becoming more common in all politics.

  • peterwn

    Actually, I cannot think of too many cases where the Government would need to help the uninsured. All mortgaged houses (unless exceptional circumstances) will have insurance, so there is no problem there. The only possible cases would be where repairs are needed and some financial assistance is needed for them (or replacement of contents), and even then a charge can be put on the house. If the house is ‘totalled’ the owner can go and rent, possibly being paid a welfare housing supplement. There seems to be no reason why the government should provide any further assistance to people beyond this. They should only be helped on a ‘safety net’ basis, not paid full reimbursement for their losses.

    • jons

      All mort gaged houses (unless exceptional circumstances) will have insurance, so there is no problem there.

      - Apart from the ones that are still standing and have insurance policies that expire shortly who are finding the insurance companies strangely unwilling to renew them. These people are dreading the aftershocks.

  • gaskranken

    Sharkey’s playing it very well so far, canceled his UK trip where he was going to meet the queen and that french guy who’s married to that hooker and he’s going to make good on the lost wages of workers. Anyone heard anything from Goof-E?

    Sharkey proving time and time again that electorally `caint touch this’

  • monty

    The subaru would be uninsurable given the premiums are about equal to the value. I understand also that the insurance payout (if insured) should occur – but maybe the cops should slap tickets on the cars to see them on their way.

  • kram

    the bloke living next door to me registers his van and motorbike exempt B to avoid having to pay the ACC content. He is currently ripping off ACC with a fake injury he claims he aquired when he got beaten up after trying to rip off a prostitute by not paying for her services, only to discover the Mongrel Mob were waiting next door to take the hooker to her next appointment.

    The bloke aint got the brains to understand by signing his name to the false registration he is in fact committing a form of perjury and making his word worthless.

  • http://angryvictim.gotcha.co.nz/ Lauren Order

    Interesting to see that Aucklanders take hours and hours to move a building – Christchurchians manage it in a matter of minutes.,