What Happends When You Run A Red Light...

[4.9 EF Futura]

Originally Posted by Walkinshaw

Then he cant afford the car. Simple as that.

Agreed. 3rd party property or the other alternative is to self insure for damage you may cause to other cars.

So... if you've got a cool million in cash (just in case you smack that ferrari at the lights) sitting around then by all means - dont bother with insurance.

Must have been a bootful and a half he gave that loud pedal.... and those T's must have some serious balls. Even with a trademark head flinging BTR LE downshift i dont reckon my blown V8 would have arced up the rears at 60-80 in a straight line on a wet road. I guess... if the trans kicked down just as you crossed a slippery whitle road marking, could be in a spot of bother.

Anyone know if it was auto or man?

Hope no serious phyiscal or mental injuries to the innocents involved. Hope they collectively ruin this guy's finances for... the rest of his life should do.

[Bermo]

They should NOT make 3rd Party Property compolsery, if they do, then idiots like this bloke in the XR6T would force all our premiums to go up because he would be making a claim.

And as for the young bloke with the WRX, 3rd Party Property is less than $500 (Hell on my 351 XY its only $240 and I'm 24)

[poolkeeper]

Damm P-Platers......

[Gimmers55]

Originally Posted by Silver Ghia

Its about time that it should be made compulsory that everyone on the road has at least third party insurance to cover damage to other vehicles.

Obviously they could afford the car, so there's no excuse for not having the insurance. The premium would be quite high if they drove normally like in this instance, so further reason for compulsory insurance.

Third Party is compulsory. In Vic you pay it with the car registration fees. In NSW (correct me if I'm wrong) you must organise it yourself through a third party insurance company (eg NRMA). Other states apply similar processes. In other words, if you don't have third party, the car isn't registered.

Third party property is a different matter. It's up to you but if you don't have it and the accident is your fault, all costs will be awarded against you and you must pay through alternative means . . . unless of course you declare yourself bankrupt, which will have long-term negative consequences for the rest of your life.

[Mechan1k]

He means Third Party Property to cover other vehicles ... in NSW you must show proof of "Compulsory Third Party" purchase before RTA processes your Registration renewal.

NEED (Compulsory to get rego)
CTP covers people in the car (depends on insurer).

OPTIONAL:
TPP covers other vehicles and property (up to a certain amount)
TPP Fire and Theft - as above but covers for Fire and Theft (no accident damage)
Comprehensive - covers all including vehicle contents up to a certain value ... and a few other things depending on insurer

[MITCHAY]

Originally Posted by Joes_meat

Young driver - couldn't afford insurance? I've got a mate with a 2000 WRX who can't afford his insurance.

So that's his problem and shouldn't become a burdern of anyone else. If he cant afford at least 3rd party he shouldn't of bought it.

Originally Posted by Joes_meat

New car - no insurance organised yet?

You should arange insurance before you pick the car up!

I own a WRX and I pay much much more for comprehensive than I would for 3rd party so just buying the vehicle is no excuse!

There is 2 types of 3rd party insurance. One is CTP which covers injuries sustained but does not cover any sort of property. They other is Third party Property which covers injuries and other peoples propertie. CTP is compulsory hence the C in CTP.

In ACT you pay this with your rego and my understanding is you have to get a seperate CTP slip on top of your rego in other states.

[cArSiK]

Absolute fool in the T for no insurance and the way he was driving. Hope all the other guys are covered and get their cars fixed.

The only positive I see from this is atleast this incident with the T shouldnt add to the insurance 'risk' factor of XR6t's as the owner cant make a claim.

[LTDHO]

Originally Posted by Gimmers55

Third Party is compulsory. In Vic you pay it with the car registration fees.

Not quite, it doesn't cover you for damage other people property (car, land, business) only TAC.

[Damo]

what I don't understand is how you loose control in a strait line ?

[Psycho Chicken]

Originally Posted by Bermo

They should NOT make 3rd Party Property compolsery, if they do, then idiots like this bloke in the XR6T would force all our premiums to go up because he would be making a claim.

Huh? It'll go up anyway because the other people will be making a claim.

[Green X]

Dick head

People like this Just ****** it up for everybody else, It’s because of people like this F**khead we have overregulated speed limit’s and ever increasing traffic laws and fines. As well as giving Road safety counsels more ammunition.

These day’s if you drive a V8 or turbo you’re a Hoon
And if you drive a 4WD or “ Gas guzzling Urban assault Vehicle” you irresponsible
Give me a brake.

And yes how the ****** do you lose it in a straight line at 80, wet or not, the car has ABS and traction control. ***** I drive faster than that on ball baring gravel roads.

[Silver Ghia]

Originally Posted by Gimmers55

Third Party is compulsory. In Vic you pay it with the car registration fees. In NSW (correct me if I'm wrong) you must organise it yourself through a third party insurance company (eg NRMA). Other states apply similar processes. In other words, if you don't have third party, the car isn't registered.

Third party property is a different matter. It's up to you but if you don't have it and the accident is your fault, all costs will be awarded against you and you must pay through alternative means . . . unless of course you declare yourself bankrupt, which will have long-term negative consequences for the rest of your life.

In Victoria, to cover injuries to people we have 'TAC insurance'.

To cover other persons property, one of my hobby cars has an insurance policy called 'third party', by one of the forum sponsors Shannons which I can recommend from recent experience with my Ghia (no fault of mine).

Another good reason for compulsory third party insurance for property, is that for drivers like this idiot, if he keeps driving like this, the premium will go so high he wont be able to afford having such a car anymore, or possibly any sort of car. Therefore these idiots hopefully will be effectively taken off the road. If he borrows someone elses car and drives like that, then obviously the owner won't be very happy lending it out in future.

[XR8 Uterous]

Originally Posted by D1XR2C

Damm P-Platers......

Don't make accusations against P-Platers, the driver at fault was over the age of 21, well past P-Plate age...

[b2tf]

Originally Posted by Mechan1k

He means Third Party Property to cover other vehicles ... in NSW you must show proof of "Compulsory Third Party" purchase before RTA processes your Registration renewal.

NEED (Compulsory to get rego)
CTP covers people in the car (depends on insurer).

OPTIONAL:
TPP covers other vehicles and property (up to a certain amount)
TPP Fire and Theft - as above but covers for Fire and Theft (no accident damage)
Comprehensive - covers all including vehicle contents up to a certain value ... and a few other things depending on insurer

I think Third Party covers damage to public property as well doesnt it? I could have sworn it covered more than just the people in the car, but could be wrong on that one.

Personally there is no way in hell I would own or drive a car without full comp insurance. Sure you get annoyed about having to pay such a high price, but if you ever are involved in an accident, you soon see just how easy it all adds up.

Insurance is part of the cost of owning a car. If you cant pay it, you cant afford the car - that is very, very true.

[ltd]

Didn't we just have a post that went for like 200 pages on why/why not have insurance?
The idiot driving the xr6t should be locked up. I know that's a bit extreme but think about it; how many people cause an accident then try to flee the scene due to having no insurance?
How many people try to intimidate women (3 cases I know of) when they have caused an accident and don't wish to pay for it?
As said earlier it should be mandatory for all cars to have third party property. Once that is legislated then the police should hit the streets and fine all those who are unregistered.

[ltd]

Originally Posted by b2tf

I think Third Party covers damage to public property as well doesnt it? I could have sworn it covered more than just the people in the car, but could be wrong on that one.

Personally there is no way in hell I would own or drive a car without full comp insurance. Sure you get annoyed about having to pay such a high price, but if you ever are involved in an accident, you soon see just how easy it all adds up.

Insurance is part of the cost of owning a car. If you cant pay it, you cant afford the car - that is very, very true.

CTP only covers personal injury for the non fault vehicle occupants. If you are with NRMA, they have recently introduced at fault cover for personal injury.
You need seperate insurance for third party property.

[OLDFORDNUT]

this moron lost control of the car the day he hopped behind the wheel,
not only did he run a red light he actually ran it a few seconds after they went red,no excuse, just a retard who should lose his license for a minimum 2 years or so.

[ten[A]cio[U]s]

Originally Posted by MYGT05

I was coming out of fay ave when it happened he was heading into town and went through the red light, if i didnt see him coming he would of hit me...

It happened about 50m past the lights towards town...

Damn.. I am pretty sure i know where your talking about.

Such a shame.. Waste of what looked like a few nice tidy car's.. :

[merlin]

Instead of compulsory insurance what about a government initiative to reduce accidents. The primary cause of accidents is the driver of the motor vehicle. If you keep having repeated accidents you should not be allowed to have a drivers license. What about this:

1)Introducing bigger loss of points if you are the at fault driver in an accidents. (financial penalties to remain the same).

2)If you have a certain number of accidents in a 12 month period you must undertake compulsory retraining at your expense by an accredited driving school and show this certificate at the RTA to keep your license.

3)If you have a certain number of not-at-fault accidents in a 12 month period (say double the “at fault” threshold) you also need compulsory retraining (obviously your defensive skills are lacking).

4)If retraining doesn’t work and you continue to have accidents then take away your drivers license on say a 5 year ban. Then repeat steps 1-4.

These steps are similar (though not as harsh) as to how some large transport companies deal with managing their drivers.

[MITCHAY]

The problem is someone not having a licence doesn't stop a person from driving. You can take it away from them as much as you want, if they want to drive they will drive.

[Silver Ghia]

Originally Posted by merlin

Instead of compulsory insurance what about a government initiative to reduce accidents. The primary cause of accidents is the driver of the motor vehicle. If you keep having repeated accidents you should not be allowed to have a drivers license. What about this:

1)Introducing bigger loss of points if you are the at fault driver in an accidents. (financial penalties to remain the same).

2)If you have a certain number of accidents in a 12 month period you must undertake compulsory retraining at your expense by an accredited driving school and show this certificate at the RTA to keep your license.

3)If you have a certain number of not-at-fault accidents in a 12 month period (say double the “at fault” threshold) you also need compulsory retraining (obviously your defensive skills are lacking).

4)If retraining doesn’t work and you continue to have accidents then take away your drivers license on say a 5 year ban. Then repeat steps 1-4.

These steps are similar (though not as harsh) as to how some large transport companies deal with managing their drivers.

You mean its OK to have two accidents in anything over a one year period? This suggestion won't work at all and only would result in a mountain of paperwork that nobody could manage or enforce. Also, police dont attend all accidents.

I also disagree with the suggestion of training even if 'not at fault'. It only takes a split second and less than a metre travelled for someone from the left to cross a give way sign and into you, after he has stopped, just as you're driving past. No defensive driving can prevent a collision in this circumstance.

Insured and responsible people need to be protected from irresponsible morons, and that is by compulsory third party property insurance.

[merlin]

Originally Posted by Silver Ghia

You mean its OK to have two accidents in anything over a one year period? .

Don't know havnt really got into the specifics of it.

Originally Posted by Silver Ghia

This suggestion won't work at all and only would result in a mountain of paperwork that nobody could manage or enforce.
.

Works for most major transprot companies.

I would also like insurance to be compulsary but just think that accidents could be better tackled with retraining

[05MkIIFutura]

Originally Posted by Falcon Freak

People like him should be limited to less then 125kW.
FF

I can see that "I am better than them" mentality coming out here already - you guys are unbelievable.

Although he was clearly in the wrong if he ran a red/amber light, you guys do not know the exact circumstances of what made him spin. Could be anything (oil for instance)

One moral you can take out of this however, is that his speed was almost definately a factor (not his skill).

Thats my opinion anyway

[05MkIIFutura]

Originally Posted by Green X

Dick head
And yes how the ****** do you lose it in a straight line at 80, wet or not, the car has ABS and traction control. ***** I drive faster than that on ball baring gravel roads.

I dont see how that proves any point at all. Its a fact that less speed will cause less severe accidents. Please dont start another argument against basic physics.

[Green X]

What?

I wasn’t making a point.

I would say it was his skill that caused him to come unstuck, It was his lack of skill that made him think he could run a red light a skilled driver would of know he couldn’t safely make the light’s and would of stoped.