Please Help! Come in thanks!

[Wildswans]

Yah.....

 

But remember that the bike owner will also kena if he mention that he is aware of the loan of the bike to someone with no insurance.....

 

Hope things dun turn out too messy

[fattsum]

so how was the outcome of this case?

[vtec88]

????????????also like to know as well

[barfy]

see.. blame everyone BUT yourself..

 

ignorance doesn't mean that you are innocent. the law is the same for all, you simply have to follow regulations.

 

...

 

if you kill someone, go tell the judge that you didn't know that killing someone is against the law, you think the judge will let you off?

 

I don't think you can compare this to murdering someone, or stealing something, or kidnapping etc. It's immediately known to anyone of relatively sound mind that those acts are against the law in almost any society. Not only that, you're harming another person in some way, and so you SHOULD know that something is wrong. Owning insurance coverage before operating a vehicle, even if you have a valid license and permission from the owner, isn't as obvious.

 

Sometimes I think the law is seriously out of whack with reality. Imprisonment for up to 3 months for riding without insurance and disqualified for a year? WTF? What harm could you possibly cause society that warrants such a heavy sentence?

[adesmond2]

outcome please?

[fufu]

lol agree... archer u really dunno how to put an example... how can u compare like that... ya btw hows the outcome bro?

[DazeWei]

HMmm whats the outcome

[xiaoxiao]

not trying to help anyone. but the following is my two baht.

 

since the TS can come in and ask about this case. why cant he read up, or come in and ask about consequences of riding bike with/without insurance.

 

i do see the INSURANCE thread being stickied up quite prominently.

 

 

ps: i also want to know the outcome.

[WE300B]

barfy: consequence of riding without insurance - if you ride a bike without insurance and knock onto, injuring or killing someone, the victim has got no means of compensation. Who's going to pay for all the medical bills? who's going to pay for the victim's kid's school fees?

 

Ya, you can sue the rider, but how much compensation money can you get out of a 19 yo kid? That is why minimum 3rd party insurance is mandatory.

 

For this reason I don't think the punishment for riding without insurance is harsh...

 

So much has been said in the previous posts about the punishment, but there's no mention about the reason behind the law...

 

 

I don't think you can compare this to murdering someone, or stealing something, or kidnapping etc. It's immediately known to anyone of relatively sound mind that those acts are against the law in almost any society. Not only that, you're harming another person in some way, and so you SHOULD know that something is wrong. Owning insurance coverage before operating a vehicle, even if you have a valid license and permission from the owner, isn't as obvious.

 

Sometimes I think the law is seriously out of whack with reality. Imprisonment for up to 3 months for riding without insurance and disqualified for a year? WTF? What harm could you possibly cause society that warrants such a heavy sentence?

[Nick_Lee]

erm... juz dis a check on TS's last post... it was in mid nov 07... i think his case is close lah... kena gan tong...

 

hope that TS or fren of TS can confirm... cos almost ALL of SBF wanna noe...

[barfy]

barfy: consequence of riding without insurance - if you ride a bike without insurance and knock onto, injuring or killing someone, the victim has got no means of compensation. Who's going to pay for all the medical bills? who's going to pay for the victim's kid's school fees?

 

Ya, you can sue the rider, but how much compensation money can you get out of a 19 yo kid? That is why minimum 3rd party insurance is mandatory.

 

For this reason I don't think the punishment for riding without insurance is harsh...

 

So much has been said in the previous posts about the punishment, but there's no mention about the reason behind the law...

 

Why can't the law be such that if you get into an accident without insurance coverage, you basically pay out of your pocket to cover damages, in addition to a large fine? If you are unable to pay, then maybe it's just punishment to serve a jail sentence. Doesn't that seem more reasonable?

 

I still think it's retarded to have your license revoked, pay a $1000 fine and/or serve a jail sentence just because you took your friend's bike for a test ride around the block.

[doubl3mint]

while we're at it, just curious. you know those courtesy bikes that bike dealers offer? like when your bike being serviced for a few days they offer you a replacement for that period of time?

 

are those bikes covered under all-rider insurance? or covered at all? i got one from hong leong, and i'm not sure whether i'm covered.. hmm..

[Keynes]

Why can't the law be such that if you get into an accident without insurance coverage, you basically pay out of your pocket to cover damages, in addition to a large fine? If you are unable to pay, then maybe it's just punishment to serve a jail sentence. Doesn't that seem more reasonable?

 

 

I feel that you only think in the the offender's shoes. You only care of the party not buying insurance, have you spare a tot for the victim?

 

Let's quote a example, it could happen to anyone.

 

Mr A crossed a rd at green light and a big cc bike hit him at high speed. He paraysed from waist downwards. TP investigate and found that the rider 100% fault. The rider go court and sentenced to 2-year jail, licence revoked for life.

 

But the stupid fact is, the rider didn't buy any insurance, not even 3rd party. The victim sue him in court, but sadly found out that he is earning only $1000 per mth with a wife and 5 children to feed, he rented a HDB and therefore owns no property. The cout agree to let Mr A take whatever property the rider has, including his bike which is worth at most $5000, plus his watch, slippers, clothes, shoes (just exaggerating).

 

How now???

 

If the law is not tough on ppl who ride/drive wo insurance, there will be many victims of traffic accident, who not only need to suffer the injuries and pain of the accidnet, but also suffer fiancially for the accident.

 

If the above rider have bought at least a 3rd paerty insuracne, his insurance coy will pay for Mr A medical expenses and all other loss Mr A might claim.

 

End of story.

 

Think for yourself if the law is tough.....

[barfy]

I feel that you only think in the the offender's shoes. You only care of the party not buying insurance, have you spare a tot for the victim?

 

Let's quote a example, it could happen to anyone.

 

Mr A crossed a rd at green light and a big cc bike hit him at high speed. He paraysed from waist downwards. TP investigate and found that the rider 100% fault. The rider go court and sentenced to 2-year jail, licence revoked for life.

 

But the stupid fact is, the rider didn't buy any insurance, not even 3rd party. The victim sue him in court, but sadly found out that he is earning only $1000 per mth with a wife and 5 children to feed, he rented a HDB and therefore owns no property. The cout agree to let Mr A take whatever property the rider has, including his bike which is worth at most $5000, plus his watch, slippers, clothes, shoes (just exaggerating).

 

How now???

 

What happens then is that the victim should have bought insurance himself in case **** like that happens. It's really no different from the person being injured in a fight and having his head caved in or being run down by a driver without a valid license - in cases like these the victim receives no compensation from any other insurance outside of his own.

 

I'm definitely not implying that driving without a insurance is "okay", just in case you're thinking that. But like I said, having your license revoked, the bike impounded and incurring a fine of thousands of dollars and maybe a jail term is pretty steep - considering how expensive and time consuming it is to get a bike license nowadays. And all that just because you honestly didn't know about the insurance requirement and happened to borrow your friend's bike for a little test ride around the block, like the poster did.

[Keynes]

Hi.

 

Agreed that everyone shd have a personal accident insurance on hand.

 

However, for ppl who are ignorant, (I talking abt old ppl who are not well informed, about young kids or even our foreign workers, there are bound to have these groups of ppl who do not have a personal accident insurance), then it will be unfair to them.

 

Buying 3rd party motor insurance not only protects the victim, but the rider/driver as well, for at least he didn't have to face blankrupcy, or to pay out his fortune.

 

However I must say that I totally agree with you that most riders are ignorant abt the punishmnet of riding wo insurance part esp when he rides someone bike.

 

I thk the root problem is casued by the different nature of insurance between the car and the bike. For cars, any auhtoirsed drivers or when drive under the permission/instructions you are covered, but not usually for bike, unless u r the sub-rider or the bike is any-rider insured.

 

When I first bought my bike (I used to drive my father's car, who I was not the "named-driver"), I was surprised abt the insurance clause but luckily I clarified with the insurer. She told me that bike insurance is different from car insurance, in general. I was very very surprised but accepted that.

 

What we shd do is to tell as many of our friends as possible abt the difference between bike and car insurance. so that they will not assume any-rider is covered, as in the case of a car.

 

I must say that this forum has done a good job of informing will-be riders abt that.

[Maldini03]

Hi.

 

Agreed that everyone shd have a personal accident insurance on hand.

 

However, for ppl who are ignorant, (I talking abt old ppl who are not well informed, about young kids or even our foreign workers, there are bound to have these groups of ppl who do not have a personal accident insurance), then it will be unfair to them.

 

Buying 3rd party motor insurance not only protects the victim, but the rider/driver as well, for at least he didn't have to face blankrupcy, or to pay out his fortune.

 

However I must say that I totally agree with you that most riders are ignorant abt the punishmnet of riding wo insurance part esp when he rides someone bike.

 

I thk the root problem is casued by the different nature of insurance between the car and the bike. For cars, any auhtoirsed drivers or when drive under the permission/instructions you are covered, but not usually for bike, unless u r the sub-rider or the bike is any-rider insured.

 

When I first bought my bike (I used to drive my father's car, who I was not the "named-driver"), I was surprised abt the insurance clause but luckily I clarified with the insurer. She told me that bike insurance is different from car insurance, in general. I was very very surprised but accepted that.

 

What we shd do is to tell as many of our friends as possible abt the difference between bike and car insurance. so that they will not assume any-rider is covered, as in the case of a car.

 

I must say that this forum has done a good job of informing will-be riders abt that.

 

 

You have missed the point that barfy tyr to highlight...

 

With or without bike insurance, the victim recieved no compensation, bike insurance company is not going to payout.

 

Rather, the biker with or without bike insurance knock down the victim, the life insurance company is oblige to make payout.

 

Our bike insurance is only insuring the bike, not humans...

[Keynes]

You have missed the point that barfy tyr to highlight...

 

With or without bike insurance, the victim recieved no compensation, bike insurance company is not going to payout.

 

Rather, the biker with or without bike insurance knock down the victim, the life insurance company is oblige to make payout.

 

Our bike insurance is only insuring the bike, not humans...

 

With due respect, It is either you are so ignorant or you mis-understood me completely.....

 

In my scenario described above, if the rider has bought a mimimum 3rd party insurance, and of course he must be riding with a valid bike licence, and he of course is not drunk (under legal terms), if the court has convicted the rider to be 100% responsible for the accident to Mr A, the bike insurance MUST pay the victim.

 

If Mr A did not have personal life insurance, then how?

 

If u still do not understand the issue, please read your bike insurcane paper carefully...mst 3rd party insurance coer 3rd party property plus humans unlimited (my 3rd party is unlmited, not sure about yours, if yours don't cover 3rd party, then I thk u ought to change the insurer, and for ur info, it is also an offence)

 

I find it is a joke in ur last staement "bike insrance pay for the bike , not humans"

 

Please read the newapsaper cases more often and u will understand.

 

Lastly, if u don't know what is 3rd party insurance cover, please do not mislead the readers here.....

[fantom]

You have missed the point that barfy tyr to highlight...

 

With or without bike insurance, the victim recieved no compensation, bike insurance company is not going to payout.

 

Rather, the biker with or without bike insurance knock down the victim, the life insurance company is oblige to make payout.

 

Our bike insurance is only insuring the bike, not humans...

 

i nearly laugh till tear roll down...

 

(touch wood) if unfortunately u were injured by another biker, u might want to tell the biker's insurance comapny not to pay you medical cost. or better u can donate the medical compensations to me. u can just take the cost for the bike repair.

[aRcHeR]

Owning insurance coverage before operating a vehicle, even if you have a valid license and permission from the owner, isn't as obvious.

 

did you take your driving/riding licence in singapore? you don't sound like you do..

 

it is stated clearly upon passing your licence that it's against the law to operate a vehicle w/o a valid insurance.

 

not obvious enough? or were you sleeping during that point of time?

[aRcHeR]

while we're at it, just curious. you know those courtesy bikes that bike dealers offer? like when your bike being serviced for a few days they offer you a replacement for that period of time?

 

are those bikes covered under all-rider insurance? or covered at all? i got one from hong leong, and i'm not sure whether i'm covered.. hmm..

 

yes they are covered with insurance.. just like those bikes at driving centers..

[aRcHeR]

Why can't the law be such that if you get into an accident without insurance coverage, you basically pay out of your pocket to cover damages, in addition to a large fine? If you are unable to pay, then maybe it's just punishment to serve a jail sentence. Doesn't that seem more reasonable?

 

I still think it's retarded to have your license revoked, pay a $1000 fine and/or serve a jail sentence just because you took your friend's bike for a test ride around the block.

 

tell that to PM lee.

[aRcHeR]

What happens then is that the victim should have bought insurance himself in case **** like that happens. It's really no different from the person being injured in a fight and having his head caved in or being run down by a driver without a valid license - in cases like these the victim receives no compensation from any other insurance outside of his own.

 

I'm definitely not implying that driving without a insurance is "okay", just in case you're thinking that. But like I said, having your license revoked, the bike impounded and incurring a fine of thousands of dollars and maybe a jail term is pretty steep - considering how expensive and time consuming it is to get a bike license nowadays. And all that just because you honestly didn't know about the insurance requirement and happened to borrow your friend's bike for a little test ride around the block, like the poster did.

 

why should the victim claim from his/her own insurance when his/her injury isn't caused by him/her but by a 3rd party?

 

do you know upon each successful claim, your premium for the following years automatically goes up?

[druid82002]

http://www.income.com.sg/forms/insDocument/Motor-Bike.pdf

[doubl3mint]

yes they are covered with insurance.. just like those bikes at driving centers..

 

ah cool thanks

[heuer25]

no insurance still can pay fine. still can talk to LTA. pay $500. if no licence, judge might give u chance and ask u to pay $700. if u are a repeat offender, DQ licence already n must serve u jail sentence liao.