Accident with a Truck (Uninsured)

Lausmansan on 21/06/2019 - 17:47
Last edited 22/06/2019 - 11:10 by 1 other user

I live in QLD and I had an accident in NSW region last year. The weather was terrible, it was hailing and raining at the same time. I was in a car and was hit by a truck. My car was written off and there were very little damages to the truck. I was uninsured at the time of the accident (my blunder).

Insurance company of the truck slapped me with a bill of nearly $42000 accusing me fully at fault. They forwarded the case to the lawyer. I offered them $10000 for their damages to pay them in instalments. They refused my offer. They want to take me to court. It can be seen from the video footage that the truck driver was not speeding according to the weather conditions. I have uploaded the dashcam footage that they given me as an evidence of my fault.

I want to know if I am at fault? If yes, to what extent? What are my chances if the matter goes to court.

Truck driver was definitely over speeding as per the weather conditions. Any comments on that?

Tried to calculate his speed by the dashcam footage.

He crossed 25 white lines in 10 seconds. Each white line is 10 feet itself and the distance between the lanes are 30 feet, in total 40 feet.

25 x 40 = 1000 feet
1000 feet = .308 meters in 10 seconds
.308 meters x 6 = 1.848
1.848 x 60 = 110 KMPH

Max speed for these kind of trucks in NSW is 100 KMPH

Automotive

Comments

            • Never Pay RRP on 22/06/2019 - 15:52

              @Cave Fire: The sad part is that the lane in front of the OP was empty, and the lane change was entirely pointless

              • Cave Fire on 22/06/2019 - 19:02

                @Never Pay RRP: There was something said about avoiding glass on the road. But yeah, seemed like he merged into the truck's slip lane and the truck had nowhere to go. If the OP is over 50% at fault he is still considered at fault from what I remember.

  • redforever on 21/06/2019 - 21:31

    OP. where is the truck registration state? A quick search appears to show heavy vehicles in Qld and NSW typically have speed limiters installed to limit the speed to 100k/h.

    https://www.rms.nsw.gov.au/roads/safety-rules/road-rules/hea…

    while your estimation might be used as a guide, I am not sure if it has the accuracy to differentiate between 100 and 110 km/h.

  • bobbified on 21/06/2019 - 21:34
    +4

    Insurance and money aside, you are lucky to be alive. If you had a direct hit on the driver's side door, you could easily have been severely injured or killed.

  • JimmyF on 21/06/2019 - 21:53
    +1

    I want to know if I am at fault?

    You pulled into another lane that wasn't clear. Its as simple as that

  • plmko on 21/06/2019 - 22:02
    +3

    LMAO

    Have a great weekend peeps!

  • navegante88 on 21/06/2019 - 22:12
    +1

    you are lucky to be alive. Hope it won't cost you too much in $$

    • [Deactivated] on 22/06/2019 - 09:23

      $42,000 to be exact.

      More if OP decides to pay in installments plus interest.

      More if OP takes this to court.

  • Nutrino on 21/06/2019 - 22:31
    +1

    At what speed were you travelling at when you decided to change lane?

    • Ragnarok1983 on 21/06/2019 - 22:33

      Stationary by the looks of it.

      • moo on 23/06/2019 - 16:20

        Is that even physically possible?

  • Classified on 21/06/2019 - 22:38
    +4

    If ozb has taught me anything, it's buy first think later, and ALWAYS BE INSURED!!
    Sorry OP, crap situation to be in. Hope you can get that $42k reduced.

  • mrvaluepack on 21/06/2019 - 22:42
    +2

    Your fault OP.

  • xuqi on 21/06/2019 - 22:55
    +3

    100% your fault as you changed lanes in to the path of the damn truck doing ~100 KM's / h give or take whatever.

    You literally changed lanes right in to his path, so what makes you think he's at fault? You're damn lucky to be alive.

  • pegaxs on 21/06/2019 - 22:55
    +46

    Tried to calculate his speed by the dashcam footage.

    He crossed 25 white lines in 10 seconds. Each white line is 10 feet itself and the distance between the lanes are 30 feet, in total 40 feet.

    25 x 40 = 1000 feet
    1000 feet = .308 meters in 10 seconds
    .308 meters x 6 = 1.848
    1.848 x 60 = 110 KMPH

    Max speed for these kind of trucks in NSW is 100 KMPH

    The math is wrong. I don't know where you got those measurements of road lines from, but it isn't right.

    I went into Google Maps and made some measurements of the broken dividing lines. On the F4 freeway (Newcastle to Sydney), from the start of one stripe to the next is approximately 11m. Lets use this and your other "facts"…

    11m x 25 = 287.5m/10sec
    287.5m x 6 = 1.650km/min
    1.650 x 60 = 99km/h

    The NSW Deliniation Manual says that these lines have to be 3m long with a 9m break (or 9m with 3m break). This is 12m if marked correctly.

    12m x 25 = 300m/sec
    300m x 6 = 1.8km/m
    1.8 x 60 = 108km/h (still not 110km/h and unlikely due to speed limiter.)

    The first problem with your logic is that you used US standards, not NSW ones. The other issue are that the truck only passed 23 markers on the road in 10 seconds. No matter where I start the video and count the 10 seconds from, it's 23, not 25.

    12m x 23 = 276m/10sec
    276m x 6 = 1.656km/min
    1.656 x 60 = 99.36km/h

    The other problem with this is that trucks are speed limited via the ECU. This truck would have a limiter on it that would shut fuel off over 100km/h. There are huge fines for having an ECU set up that would allow a truck to speed, and the RTA regularly plug into these vehicles and read the ECU set up. My brother got pinged for incorrect diff ratio settings in his ECU that allowed the truck to do 101.xx km/h.

    • ronnknee on 21/06/2019 - 22:56
      +2

      Math checks out.

      • lolz112 on 21/06/2019 - 23:21
        +4

        Yeah I also counted 23 in 10 seconds. I think OP is grasping at straws cause hes got a 42k bill. I guess I would be too if I was him.

        But I highly doubt I would be in his situation because I wouldn't change lanes on a highway without being 100% sure I'm not about to be cleaned up by a truck in rain and hail when there is already an added danger. Oh and I sure as hell wouldn't drive an uninsured car precisely because I don't want a 40k or more bill ruining my life.

    • Pigey on 21/06/2019 - 23:13

      You win sir.

    • Vote for Pedro on 22/06/2019 - 09:25

      How often do I sit in left lane on M5 doing speed limit (either 100 or 110, depending on location) and I get easily overtaken by a truck.

      P.s. OP, don’t take this as taking your side. You are at fault.

      • Typical16-bitEnjoyer on 22/06/2019 - 09:35
        +3

        Get your speedo calibrated.

      • pegaxs on 22/06/2019 - 09:50
        +5

        If you are doing 110km/h and get overtaken by a truck, I’m calling bullshit. Either that, or you need to get your car speedo checked and recalibrated.

        Modern trucks all have speed limiters built into the engine ECU that just won’t allow them to go more than 100km/h and the fine for driving a truck over the speed limit is not a small fine and a slap on the wrist like a car driver, it’s in the thousands. Tampering with the ECU to make the truck go faster is a fine in the thousands (added to that, that most truck drivers are too dumb to know how to mess with engine ECU settings without very specific equipment.)

        Car speedos are usually reading faster than what the car is going. There is a error margin built into them. Trucks have speed limiters built into the engine ECU. I can push my foot to the floor and it will go up to 100km/h and just stay there. Trucks are calibrated a lot closer to the speed limit because of the nature of their job. They need to get freight delivered on time and as soon as possible, so the error margin for the speed limiter may be less than 1%, where as in a car, your speedo error may be anywhere up to 10% out.

        So, if you are on the freeway/highway at 100 on your speedo, you’re probably doing something more like 94km/h in real time. The truck that is overtaking you, if it’s a 100km/h zone, there is good chance his speedo says 100km/h and their real time speed is 99.5km/h, a good 6km/h faster than you.

        • Roll Eyes on 22/06/2019 - 09:57
          -2

          C’mon, you say you’re a truck driver. Your comments were indisputable until this ^ one. We both know how speed limiters work. And unless you’re a pantech driver in the city, you know some trucks on the highway go faster than 100.

          • pegaxs on 22/06/2019 - 10:37
            +12

            @Roll Eyes: I work on trucks, I drive trucks. I know what speed limiters do. I also know the fines and the loss of points associated with speeding in heavy vehicles. So, yes, I know exactly how speed limiters work in trucks.

            Most truck drivers are just that, drivers. They don’t work on the truck. They don’t own the truck. They don’t make adjustments to the truck. They just attend wheel duties. A lot of the time, they are driving for a large freight company who owns and does all the work on the truck. A driver simply can’t just “override” the speed limiter.

            I have first hand experience of having the RMS plug into a truck ECU to read the settings, do the calculations and fine the driver based on the settings in the ECU. The RMS can even ground your truck until you get the ECU settings changed to fix the speed limiter. This alone could cost the driver a lot of money, not only in getting someone to come out and make adjustments, but in sitting on the side of the road, not moving. It affects delivery times and log book hours.

            On top of all this is the logbook. It’s there to manage fatigue, but it’s also there to manage speed. If I do 110 all the way from Brisbane to Sydney, it will show up in my logbook. And the fines/punishment for making false statements in your log book are huge. There are heavy vehicle cameras all over NSW to monitor the speed of trucks. And it’s not the instantaneous type of speed camera, it’s he average speed camera types.

            So, all this added up, the chances that any one particular truck on a highway/freeway that is zoned 100km/h or more, exceeding this speed limit is very very very low. Not impossible, but close to it.

            All I can say is, if you are regularly getting passed by a truck on the freeway and you are doing 100, chances are your speedo is waaaay out compared to theirs.

            But, as always, there are exceptions to this that either;
            a: have much older trucks. ie: my 1986 Kenworth will do 160km/h, as it is a pre-limiter truck.
            b: don’t give a (fropanity) about their license or money/fines.
            c: they are in neutral and rolling down a really long hill (which is stupid, reckless and harder in a truck than what it sounds.)
            d: it only limits the top speed of the truck, so it’s still possible to speed in lower speed zone areas. (ie: I can do 100 in a 40 zone.)

            But anyway, from your comment, you sound like a typical car driver that thinks that I can bypass the speed limiter on any truck with a piece of cardboard, a wire and some duct tape… Stop watching A Current Affair an Today/Tonight.

            • gtech on 24/06/2019 - 19:49
              +1

              @pegaxs: Totally agree with you [pegaxs] cause if he watched McGyver, and he had access to some cardboard, wire and some duct tape he would know that :
              * you can super/turbo charge your truck with some duct tape and your mum's hair dryer. gives you at least 1000Nm of extra power
              * making a cardboard spoiler will ensure that your truck will be able to do 250 MPH
              * using some garbage bags and a rope you can make a deployable parachute (increases braking power by 1000 meters)
              * using a wire (coat hanger) and some chain he could have engineered a land anchor which would have stopped the truck

              And if he managed to catch a few Fast And Furious movies he would know that:
              * downshifting into reverse inversely increases the stopping distance
              * using your hand brake and turning the steering really quickly left or right ensure that the car/bike/truck/plane goes into a controlled side slide/spin and stop three inches away from the object you are going to hit
              * having a windscreen is just a liability in any situation

              So kids stop watching F$%&ing A Current Affair an Today/Tonight and get your education from uncle McG and Dom

        • Vote for Pedro on 22/06/2019 - 10:21
          -4

          No intention of getting into the technicalities as I don’t have the requisite knowledge. What I can tell you is what I see. Calling bullsh*t is your prerogative. May start I’ve started a forum discussion and encourage anyone with dashcam to post

          • Typical16-bitEnjoyer on 23/06/2019 - 12:34
            +1

            @Vote for Pedro: "I don't have the requisite knowledge BUT I still think everyone is wrong"

            (profanity) lol

          • CMH on 23/06/2019 - 21:17
            +1

            @Vote for Pedro: What's worse? The clueless who thinks they know everything…

            Or the clueless who knows they're clueless… Yet thinks they know more than someone from that field?

            • Vote for Pedro on 23/06/2019 - 21:46
              +1

              @CMH: What I’ve learnt is that cars and trucks speedos have the same error standard. All I’ve heard in anecdotal evidence that truck speedos are more accurate. This anecdotal evidence is no better than my opinion. It’s like me saying, I work on cars all the time and my job depends on it so I make sure my speedo is accurate. Sounds totally like evidence.

              Feel free to visit the other forum on the topic. Don’t forget to vote.

              • CMH on 23/06/2019 - 22:16

                @Vote for Pedro: I do the GPS speedo check on my car on a regular basis (because I pass A LOT of speed cameras) and I am very confident of my speedo readings.

                Doing the Hume a lot too (ski season!) I can safely say trucks abide by their speed limits based on my gps-calibrated speedo, usually off by 1kmph at most.

                No idea what's showing on their speedo so can't comment on their accuracy, but they definitely aren't barrelling past me on the freeway. As previously mentioned their speed limiters are only for top speed, not speed limits, so they can still be speeding on other roads.

                Whether or not they can bypass a speed limiter it I'll leave that to the experts who know better.

              • Typical16-bitEnjoyer on 24/06/2019 - 11:51

                @Vote for Pedro:

                anecdotal evidence

                lol x2

                What evidence are you expecting on a public forum that is entirely text based?

                Want one of these gents to whip on their webcam and skype you a tour of a truck they work on?

                • [Deactivated] on 24/06/2019 - 14:19
                  +1

                  @Typical16-bitEnjoyer:

                  Want one of these gents to whip on their webcam and skype you a tour of a truck they work on?

                  LOL! That sentence didn't end the way I expected it to …Slightly dissapointed

              • gromit on 24/06/2019 - 13:23
                +1

                @Vote for Pedro: except of course the speed limiters have no such huge margin of error. They are strictly tested to very small margins of error.
                https://www.legislation.gov.au/Details/F2006L02297

                basically the largest margin of error would see them at 104-105km/h for short periods after hitting set speed. but testing is to +-1%

                I don't drive trucks or work on them but I have friends that do and they say that in addition to that they check thier speedo's regularly for city and 80 and below limits (not because they are required to but because there accuracy means money)

      • gromit on 23/06/2019 - 08:01

        This is "almost" certainly due to your speedo reading way off. fairly common occurrence as manufacturers all err on the side of caution and make a speedo read higher speed than you are actually going. While a decades ago it was common to see speeding trucks it is an extreme rarity now as it just isn't technically possible for most (inside 100+ zones) of them and it is not easy to bypass the limiters without getting caught. would definitely be getting your speedo checked if this is commonly happening to you.

    • icejester on 29/06/2019 - 02:11

      Game over

      OP has his answer

      No. The truck driver is not at fault or partially at fault

      OP just be happy you're still alive
      You were probably 2 seconds away from not making it at all

  • Kamsi on 21/06/2019 - 23:19

    Getting a good lawyer you may have a chance, otherwise pay up.

    • [Deactivated] on 22/06/2019 - 09:07
      +2

      Getting a good lawyer you may have a chance

      of paying even more! Good lawyers are expensive.

    • Typical16-bitEnjoyer on 22/06/2019 - 09:36
      +1

      A chance of what exactly lol? OP is screwed.

    • SydStrand on 22/06/2019 - 00:49
      +19

      Consequently when he did not reduce speed it goes to show he was not obeying the very first rule of defensive and cautious driving techniques

      Not a law.

      You also were indicating to cross lanes for more than four seconds yourself, "I possibly believe" which gives you correct passage changing lanes

      Again, not a law. Putting on indicators does not automatically grant right of way.

      It would also be strange that the other truck (Random to your rear right)driver wouldn't have announced over there CB of the potential hazard on the freeway […] with the truck driver possibly not noticing or paying attention to.

      Truckers don't radio in every random breakdown on a shoulder. To imply negligence because the truck driver wasn't listening to a make-believe broadcast is grasping at straws, and a shameless attempt to deflect blame.

      The white van that the truck flew past had obviously noticed the accident well ahead and had prepared to slow down as such… another avenue to pursue!

      The van was slowing because the OP ahead of him had foolishly slowed to a crawl before making a blind lane change.

      I would imagine you'd potentially be well within your rights to have your vehicle possibly paid for, and or at the least not pay for the trucks damages driven by a driver who refused to notice a potential hazard that his video camera did!

      That's the second dumbest comment here after the OP's. A vehicle cannot stop instantaneously. A truck with that much momentum with those conditions could not have slowed to the OP's speed in time, even if he was glued to a telescope.

      • hunterhalo on 22/06/2019 - 08:04
        +6

        Thank you,indicators on does not give you the right of way. (profanity) Victoria driver,the light barely blink for the first time or just off and about to blink again,they either already in front of you or try to squeeze their car in and block all traffic as half of their car on 1 lane and the other on the other half. Big example if anyone commute on Sunshine rd most of the tine,you will know that near the old wool warehouse intersection people usually wait to turn right there.if you know that you are going straight just stick to the bloody left lane,but no no no,right lane, and when someone indicators are up jump the the left lane straight away when you indicators not even finish 1 cycle

    • bobbified on 22/06/2019 - 00:59
      +14

      Seriously, how do you even come up with some of this shit? LOL

      It's funny to read, but not so funny when I realise I have to share the road with people like you who obviously has no idea.

    • BartholemewH on 22/06/2019 - 02:29
      +10

      I'm out of negs, but might come back for this comment. I truly feel dumber having read it.

    • savage bargain on 22/06/2019 - 08:39
      +2

      😲

      I'm hoping this is a troll comment or Gillyz does not have a licence….

      • Baysew on 22/06/2019 - 09:08

        Well, let's welcome him as a new member anyway.

    • Ughhh on 22/06/2019 - 08:58
      +3

      You also were indicating to cross lanes for more than four seconds yourself, "I possibly believe" which gives you correct passage changing lanes.

      If you think Indictating for 4 seconds means you can change lanes and others have to brake for you…You should have you license taken away for not knowing the most basic rule.
      You're dangerous.

    • Typical16-bitEnjoyer on 22/06/2019 - 09:37
      +4

      Gillyz please also surrender your licence.

    • Never Pay RRP on 22/06/2019 - 16:08

      You also were indicating to cross lanes for more than four seconds yourself, "I possibly believe" which gives you correct passage changing lanes

      What country are you from where "indicating to change lanes" gives you right of way?
      I'm not trying to be racist, I need to prepare myself for when I'm in your country, and the road rules are the opposite to here…

  • snoopdogg on 21/06/2019 - 23:47
    +3

    you are a dummy for not having insurance. You are also a TERRIBLE driver. Be thankful you didnt get destroyed in a 110km/hr collision. However I do not believe it would cost 42 big ones to repair those scratches on the truck..

  • mrcherry on 21/06/2019 - 23:52
    +9

    If you have another vehicle I would suggest selling it to pay off the settlement, it will save you some out of pocket costs and keep you off the roads for the safety of everyone else.

    • Never Pay RRP on 22/06/2019 - 16:16
      +3

      Lol, couldn't agree more!
      OP sell all vehicles you have and don't ever buy any more. Don't drive any vehicle ever again (not even a bicycle).
      Your knowledge of road rules and sense of accountability is endangering yourself and everyone else around you.

  • rave75 on 22/06/2019 - 00:00

    Damn, Darwin didn't win this time.

    • Never Pay RRP on 22/06/2019 - 16:16

      With the OP's attitude, it's only a matter of time. Hope there is no collateral damage when it happens.

  • sempro on 22/06/2019 - 00:01
    +1

    OP, just pay the man

  • eldudebrothers on 22/06/2019 - 05:58
    +19

    As someone who has seen the outcome of accidents involving truck vs car, you are incredibly lucky that you are alive. If that truck was half a second behind you would be dead. You made 4 TERRIBLE choices: stopping on a freeway, changing lanes without needing to, going into another lane on a freeway WITHOUT LOOKING and worst of all, not having insurance. You should be 100% grateful you are only paying 42K.

    • Never Pay RRP on 22/06/2019 - 16:18

      This eloquently sums up the situation in its entirety. Hope the OP reads your post.

  • hunterhalo on 22/06/2019 - 07:55

    First,are you murican? Second did it get into dashcam australia collection?

  • jason101 on 22/06/2019 - 08:09
    +2

    I don't usually jump on the bandwagon of these threads, but just wow…by delaying this and not remitting payment you are simply incurring yourself additional costs associated with the recovery of your debt.

  • rocksy85 on 22/06/2019 - 09:10
    +3

    Your lucky to be alive. You were not following the road rules like the truck. The damage you cause is easily justified in damages in the truck. Why are you fighting this? I hope your paying for counselling to the poor driver of the truck. Pay up and keep off the road

  • Herbse on 22/06/2019 - 09:29
    +1

    Your best bet is to refute the $42k that they are claiming, to confirm that it isn't an inflated cost. I know trucks are different to cars but the damage seems minimal (to me)
    If different quotes don't result in a lower price. Work out a payment plan with them or their lawyers and take it as a lesson to always have insurance.

    I don't even drive my mates cars before asking if the car is insured and registered properly.

  • mrcheap1984 on 22/06/2019 - 09:32
    +1

    The truck didn't adjust for the weather as recommended. I'm not sure if NSW has road law required to slow down in bad weather. https://roadsafety.transport.nsw.gov.au/stayingsafe/drivers/…

    But saying that you unexpectedly changed langes lanes. Sounds like it would of been inevitable unless he was going less than 40.

    You are probably 90% at fault. But you have probably waited to long to get an independent third party clarification. You even offered payment which is pretty much admitting fault. Also remember they can charge for loss of business when it's off the road being repaired.

    Take it as a steep and lucky to be alive learning lesson that you should always have other party insurance even if you don't care about your own car. Insurance companies also look after the lawyers as well.

    • Typical16-bitEnjoyer on 22/06/2019 - 09:42
      +1

      I'm not sure

      Yep. We can tell.

    • Never Pay RRP on 22/06/2019 - 16:27

      There is no road law for that, it is a recommendation.
      Also none of us actually know how fast the truck was going, we are all speculating here. They may well have already slowed down.

      Since the footage https://vimeo.com/323054028 is from the truck I'm sure the insurance company has a copy, and is well aware of whether the truck driver did anything illegal

  • Typical16-bitEnjoyer on 22/06/2019 - 09:41
    +2

    This thread should be mandatory reading for those taking their driving test.

    OP just be thankful you didn't kill yourself or anyone else. Buy insurance, read the road rules, don't drive near me please.

    If your name is on the title for the land you've recently purchased then the Insurance company won't stop until you're bankrupt.

  • Roll Eyes on 22/06/2019 - 10:05
    +12

    You should lose your licence. Not specifically for this action, but for your subsequent denial of responsibility, your inability to recognise your stupid action (even in hindsight!). And your belief that it’s “someone else’s” fault, and responsibility, to accomodate your stupidity.
    These are all indicators that you will “re-offend”.

  • Ozpit on 22/06/2019 - 10:15
    +5

    If the police had attended the accident, OP would almost certainly have been charged with dangerous/reckless driving, which carry very stiff penalties, and possibly additional fines for breaking other related laws.

    OP would now be also asking forum members for advice on how to challenge/reduce those police charges. Sigh.

    • TheBird on 22/06/2019 - 11:49

      If the police had attended the accident, OP would almost certainly have been charged with dangerous/reckless driving

      This +++

    • Never Pay RRP on 22/06/2019 - 16:28
      +2

      Hopefully it goes to court and the police can review the footage and charge them as you specified.

  • gimme on 22/06/2019 - 10:19
    +1

    Fault and soapbox aside, 42k seems like the panel beaters are taking the piss as usual. I'd validate the quote

    Also you're on the wrong forum. If you hadn't noticed already people here take great pleasure in telling you how a terrible person you are and suck it up etc etc. Because they've never nade a stupid judgement call in their lives. This is the holier than thou landing page

    • trongy on 22/06/2019 - 10:45
      +4

      That $42,000 claim would be for more than just panel beaters. Time is money for a business - every hour the truck is not on the road earning money causes loss to them.

      • gimme on 22/06/2019 - 12:11

        Does car insurance typically cover loss of potential income?

        • Ace Ventura on 22/06/2019 - 14:15

          Car insurance unlikely, but truck insurance is a different kettle of fish, you are covering a business asset, and as such generally has downtime coverage, and as per any other insurance, the insurance co passes those costs onto the at fault party.

          • gimme on 22/06/2019 - 14:16

            @Ace Ventura: so even if OP had car insurance, the other party could have still gone after them (personally) for loss of income?

            • Ace Ventura on 22/06/2019 - 14:22
              +6

              @gimme: No if the OP had car insurance the truck insurance would have gone to their insurance company.

              Car insurance may not have the same downtime coverage for loss of income, but it would have liability coverage, so it would cover the trucks downtime.
              The OP had no insurance though.

            • trongy on 23/06/2019 - 10:25

              @gimme: Most car insurance covers your liabilities for damages caused by your car - not just damage to other cars, but damage to other property (your car might catch fire and set other things on fire) and subsequent damages like loss of income. If someone can sue you for it, you want to be insured for it. Typical policies are capped at $20 million.

              Personal injuries are covered by a different sort of insurance.

    • SydStrand on 22/06/2019 - 15:01
      +4

      If you hadn't noticed already people here take great pleasure in telling you how a terrible person you are and suck it up etc etc. Because they've never nade a stupid judgement call in their lives.

      I've been in a fender bender. You admit fault, eat the cost, and learn an expensive lesson. OP drove without insurance, drove recklessly, and now crowdsourcing advice to pin blame on the truck driver. That's several stupid judgement calls right there.

      The last one alone should disqualify from driving because he still isn't accepting responsibility by deflecting blame for a 100kph collision that could have been catastrophic. If he killed a passenger in a hatchback, or someone on a two-wheeler, then the OP might be asking OZB's Auto section to help avoid a manslaughter charge by asking us to prove the late motorcyclist was 'negligent.'

    • Never Pay RRP on 22/06/2019 - 16:30

      people here take great pleasure in telling you how a terrible person you are and suck it up

      Maybe sometimes, but it is quite clear the OP is completely at fault here, and people are discussing their opinions (the point of a forum), which are overwhelmingly in agreement

      • gimme on 22/06/2019 - 21:25
        +1

        That's fine, they were ar fault but not my point. People come across generally disturbingly happy when someone copes a massive fine or similar. Borderline sociopathic behavior imo or just miserable themselves and taking pleasure in other people's misery.

  • pistachio on 22/06/2019 - 10:20
    -1

    Oh god
    Another one without an insurance.
    I can't understand these kind of people…

  • lltravel on 22/06/2019 - 10:22

    LOL you're at fault. The fact that you're even trying to argue he was speeding is irrelevant

    You merged into his way at a complete stop while you're on a damn highway

    Typical QLD drivers.

    • tryagain on 22/06/2019 - 18:51

      Typical QLD drivers

      Not even close, he would have been in the righthand lane already if he was a typical QLD driver.

  • Eeples on 22/06/2019 - 11:04
    +2

    Feet?

    • pegaxs on 22/06/2019 - 11:46
      +3

      I'm guessing it's the first result OP got when the googled "how long are marked overtaking lines" and got a US based reply.

  • Okayy on 22/06/2019 - 11:12

    Makes me wonder public transport is the best!

  • Mrbean007 on 22/06/2019 - 11:17
    +1

    Pay and move on expensive lesson learnt unfortunately.

    As others stated lucky you weren't killed and should be thankful.

    I'm sure the repairs alone would be in the 10,s of thousands by looking at the pictures of the truck was it a Western star if so just the Bullbar alone would probably cost over $7k.

    • pegaxs on 22/06/2019 - 11:49
      +1

      Looks like a Kenworth T409 SAR. And if it has Kenworth in the name… It's gonna be expensive!

  • tiara on 22/06/2019 - 11:20

    Without insurance you are in vulnerable position. The truck driver could also sue you for pain and suffering.

    • Mrbean007 on 22/06/2019 - 12:15
      -1

      On a side note not defending op had truck driver been 1 second late op probably wouldn't be here and truck drivers life would of been destroyed.

      I feel for these truck driver,s but sure this truck driver could of slowed down as he seen a hazard if op was killed things would of changed dramatically.

  • pyramid on 22/06/2019 - 12:00
    +3

    OP,why did you delete images and video ?

    • [Deactivated] on 22/06/2019 - 12:04
      +1

      Yeah :/. I wanted to watch it.

  • nutbeat on 22/06/2019 - 12:02
    +4

    Bdouble driver here, first of all, that truck could have been 80 - 90 and still would not have been able to avoid that collision, you literally pulled out in front of him from a near standing start.

    Did you even look in your mirror?
    Sorry, but I have to deal with this crap every morning and evening in capital cities, people don't consider that there are severe consequences for the slightest of errors, you should be thinking right now about how lucky you are not to have been killed, you might as well take it to court and take your chances because I don't know how you expect to be able to stump up 42K, but I would be very confident you will be disappointed with the outcome.

    Chalk it up to an expensive lesson and use a bit of common sense next time you get behind the wheel.

    • Never Pay RRP on 22/06/2019 - 16:44
      +2

      truck could have been 80 - 90 and still would not have been able to avoid that collision

      I strongly doubt it could have been avoided even if the truck was going 40-50.
      Hard to believe the OP somehow thinks they are anything less than 100% to blame…

      • nutbeat on 22/06/2019 - 21:34
        +3

        I mean look there's no question this bloke is a complete idiot and should never have been given a drivers licence, sadly he's in good company, as in the vast majority.

        I can actually see why he would be trying to figure out a way out of this without a 42K debt, but realistically he deserves to face the full consequences.
        I get people with children in the car doing this shit to me all the time, someone needs to be made an example of, and I'd much rather see that done without loss of life.

  • AdamFury on 22/06/2019 - 12:04

    Yeah looking at that video I'd say you're at fault.

    • abuch47 on 22/06/2019 - 12:13
      +1

      link? dummy cant find

      • AdamFury on 22/06/2019 - 12:19
        +3

        Check the revision history

        • Never Pay RRP on 22/06/2019 - 16:51

          Weird question for the revision history, it states that "Baysew" edited this at one point.
          How does another person edit the original post?
          Just curious

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