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Author Topic: Driving on dirt roads  (Read 24483 times)

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Offline Rodt

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Re: Driving on dirt roads
« Reply #50 on: July 20, 2016, 01:19:59 PM »
Not sure I understand the amount of agro directed at other road users here.

The way I am understanding it is that as part of someone putting in an insurance claim they are supplying their insurance company with footage from the dash cam as evidence that it happened. The insurance company is then deciding to chase the other person isn't this what your third party insurance is for? I understand that the current day blame culture is crap but in this instance is it the individual drivers or the insurance companies pushing this ???

Should state that no I haven't provided dash cam footage to an insurance company for the purposes of identifying someone. Have claimed for a broken windscreen though ;D

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Offline macca

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Re: Driving on dirt roads
« Reply #51 on: July 20, 2016, 03:27:53 PM »
Looking at it from your point of view rod i do agree if it is the insurance company chasing then i should have put " it would be a cold day in hell before THEY ......" ,  but what i dont understand is why would you give them the dashcam footage in the first place,  broken windsceens on dirt roads are part of life. I actually have a cracked windscreen at the moment, it was done by a Subaru and i have not one but two dashcams but i would never dream of giving the footage to my insurance company i will just go and see my mate Swannie

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Offline Rumpig

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Re: Driving on dirt roads
« Reply #52 on: July 20, 2016, 06:26:57 PM »
Quote from: macca on July 20, 2016, 03:27:53 PM
...... but i would never dream of giving the footage to my insurance company i will just go and see my mate Swannie

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will he chase the Subaru driver up for the money for a new one? ;D ;D
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Offline bellony

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Re: Driving on dirt roads
« Reply #53 on: July 20, 2016, 07:16:46 PM »
Perhaps the claimants policy included 1 free windscreen a year and that's why they never paid for it. Nothing to do with Dash Cam footage and the other driver!
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Offline Rodt

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Re: Driving on dirt roads
« Reply #54 on: July 20, 2016, 07:22:22 PM »
Quote from: macca on July 20, 2016, 03:27:53 PM
but what i dont understand is why would you give them the dashcam footage in the first place,  broken windsceens on dirt roads are part of life.

Mate don't get me wrong it is beyond me as well. Although thinking about it if it was because of some wanker (not even someone just driving fast) who decided to cut up just in front of where i was parked etc i reckon i could be persuaded.

Rod
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Offline JD-120

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Re: Driving on dirt roads
« Reply #55 on: July 20, 2016, 07:24:51 PM »
I would do anything to try getting out of paying my excess. Don't ask, don't get.

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Offline moose2367

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Re: Driving on dirt roads
« Reply #56 on: July 20, 2016, 07:31:52 PM »
Driving along a dirt road at whatever speed, without actual evidence of breaking a law wouldn't put the other driver at fault.   He has done nothing wrong or illegal. 
Dash cam footage means squat in regards to speeding, which could be the only possible law broken. 
There is no law to slow down on a dirt road

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« Last Edit: July 20, 2016, 07:33:26 PM by moose2367 »
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Offline macca

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Re: Driving on dirt roads
« Reply #57 on: July 20, 2016, 07:40:31 PM »
Quote from: Rodt on July 20, 2016, 07:22:22 PM
Mate don't get me wrong it is beyond me as well. Although thinking about it if it was because of some wanker (not even someone just driving fast) who decided to cut up just in front of where i was parked etc i reckon i could be persuaded.

Rod
Yep totally agree,  different story if their being a tool

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Offline macca

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Re: Driving on dirt roads
« Reply #58 on: July 20, 2016, 07:44:51 PM »
Quote from: Rumpig on July 20, 2016, 06:26:57 PM
will he chase the Subaru driver up for the money for a new one? ;D ;D
Nah, he will just tell me where to go







and hopefully thats to one of his shops, needed a new one anyway

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Offline GeoffA

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Re: Driving on dirt roads
« Reply #59 on: July 20, 2016, 07:50:14 PM »
Quote from: jdavies on July 20, 2016, 07:24:51 PM
I would do anything to try getting out of paying my excess. Don't ask, don't get.

Why not get a policy that includes windscreens?

 :cheers:
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Offline JD-120

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Re: Driving on dirt roads
« Reply #60 on: July 20, 2016, 07:53:31 PM »
it does, I'm just saying.  Money's better in my pocket, it never hurts to ask

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Offline GeoffA

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Re: Driving on dirt roads
« Reply #61 on: July 20, 2016, 08:03:58 PM »
Quote from: jdavies on July 20, 2016, 07:53:31 PM
it does, I'm just saying.  Money's better in my pocket, it never hurts to ask

What money would that be, Justin?
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Offline JD-120

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Re: Driving on dirt roads
« Reply #62 on: July 20, 2016, 08:09:51 PM »
All of it :)

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Offline Troopy_03

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Re: Driving on dirt roads
« Reply #63 on: July 20, 2016, 08:24:08 PM »
Yeah, I'm having trouble with the "I drive on dirt roads, but I expect someone else to pay for my windscreens" mob too. I'm not 100% sure, but my policy covers 2 windscreens a year, although it maybe only one. I just haven't had the need to claim more than one per year yet. But 4 years in a row, going to the Finke Desert Race, I have done a windscreen each trip, and never had a problem claiming them with no excess payable. Anyway, it's a good opportunity to check for rust around the windscreen frame.
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Offline jr

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Re: Driving on dirt roads
« Reply #64 on: July 21, 2016, 04:59:58 AM »
Std windscreens arent too expensive
But watch that change with cameras etc fitted in. Ew models. One story is that a new subaru outback is $2500 to replace and recalibrate
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Offline #jonesy

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Re: Driving on dirt roads
« Reply #65 on: July 21, 2016, 07:14:25 AM »
Quote from: pank on July 14, 2016, 09:55:43 PM
We have traveled just over 7000kms in just under 2 weeks to Birdsville and back to Perth with over 3000kms on dirt roads
I can see a slight problem with the insurance company using dash cam coming after me as the owner of a car that ran over a rock that hit your windscreen. Do you have dashcam of the trip to Perth to prove that you aren't the person who dislodged the rock in the first place? 

Also I wasn't driving. I might have been in my mates car and him in mine.  They would need to prove some form of neglect on my part.

They could go after trucking companies if they video showed rocks falling off the truck.

KB there would be almost no way to estimate the speed using dash cam in this case. It is all relative to the vehicle with dashcam so you would need to know how fast it was going (some do display their speed)
Most dash cam have wide angle lenses which distort the perspective as well.  I could be done on sealed roads where there is a reasonable amount of traffic so you have a gauge what a car at the speed limit (the majority) looks  like to compare against but on remote dirt roads where different people drive at very different speeds then I wouldn't even attempt it.

You could also calculate the speed based on distance covered but given that a car covers 28 metres in a second and 100 kmh and most cars are in shot for only a second or two you need to have measurable reference points.
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Offline jfella

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Re: Driving on dirt roads
« Reply #66 on: July 21, 2016, 09:10:27 AM »
Can insurance companies even look up who owns a vehicle from its rego?  I was always of the understanding that you need to provide the other drivers contact details for the insurance company to make the claim?
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Offline hempo

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Re: Driving on dirt roads
« Reply #67 on: July 21, 2016, 09:35:36 AM »
Transport companies (or any sign written vehicle) with their logos and phone numbers are often sent requests by owners of vehicles for replacement windscreens.  It is at the discretion of the company as to whether or not they pay it, depends on cost, evidence, goodwill, if a solicitor is involved, insurer etc.  Most of the time on bitumen roads.  For those on Northside Brissy thing D'Aguilar Hwy.  Truck and dogs regularly travelling from the quarry.

Same with roadside mowing contractors.  They will receive a letter from the third party insurance company claiming they were working that particular stretch of road at the time of the damage.  The insurer will first contact the council and then the council will freely give up the contractors contact information.  Same again, paid at the discretion of the mowing contractor or their liability insurer.

As to whether an insurance company can obtain the owner's details I don't know.  I can ask around and try and find out.  As noted, the onus is on the driver with the broken windscreen to provide contact details etc.  Very easy when there is a big sticker on the back with call Joe Blow from Joe's Carpet Cleaning on 555 12345.

We have one free windscreen on our policy.  Used it the other day.  Check out the photo under http://www.myswag.org/index.php?topic=46761.100  Not sure of the eagle has liability insurance though.

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Offline moose2367

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Re: Driving on dirt roads
« Reply #68 on: July 21, 2016, 12:32:56 PM »
Huge difference between a mower and someone else, transport company or not, just driving on any road.

There is zero onus on any driver for flicking a stone in the air and another car hitting it.

Insurance companies cannot just look up any regos. They have to go through a process with the relevant states transport dept, and the police.   Info won't be handed out without a police report number

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Offline IanS

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Re: Driving on dirt roads
« Reply #69 on: July 21, 2016, 12:54:13 PM »
I agree with the above comments, all that dash cam footage can prove is that you didn't deliberately break it yourself.
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Offline hempo

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Re: Driving on dirt roads
« Reply #70 on: July 21, 2016, 02:01:17 PM »
I agree there should be no right of recovery against any vehicle/truck etc for flicking up a stone.  How can they be deemed negligent?  I also don't believe people have a right to seek recovery against roadside contractors - to reiterate I am not talking bob's mowing doing a footpath, I am talking tractor with slasher and all of the guards etc mowing a strip on the highway.  I should have been clearer above.  They are no more negligent than a truck/vehicle driving on the highway.

I agree Bob's mowing on the other hand is totally different.

Back to the OP though I totally agree with some level of courtesy required when driving on dirt roads.  I will slow and stay as far left as possible however some think that then gives them the okay to go flat out past you in the middle of the road.

Windscreens are very cheap and really need to be budgeted into your holiday when travelling both on and off road.  Most cars a few hundred bucks. 
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Offline Terry W4

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Re: Driving on dirt roads
« Reply #71 on: July 21, 2016, 06:30:12 PM »
My view - drive on real dirt roads it is a hazard. Don't blame anyone for diving to the conditions. But then the one rock that they squeeze out of the side of the tyre that takes out your windscreen is an accident. No one meant it. Speed is not the issue.

I have a chip in my windscreen I think picked up actually on bitumen while driving up the Stuart Highway to Darwin. It can and will happen.

Windscreen insurance is the answer.
 
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Offline GanG

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Re: Driving on dirt roads
« Reply #72 on: July 21, 2016, 10:20:28 PM »
Quote
Insurance companies cannot just look up any regos.
yes they can, I rang up for a quote for my young blokes new car.........gave the rego number and she came back in 2 secs, said white falcon sedan blah blah, I asked how she knew that she said "we are connected to the registration authorities nowadays"
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Offline #jonesy

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Re: Driving on dirt roads
« Reply #73 on: July 21, 2016, 10:36:04 PM »
They can look up regos. Anyone can on most of the state reg authorities websites. This will give all the vehicle details EXCEPT the owners name, address etc.

VicRoads. vicroads
« Last Edit: July 21, 2016, 10:38:12 PM by #jonesy »
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Offline Cruiser 105Tvan

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Re: Driving on dirt roads
« Reply #74 on: July 21, 2016, 10:47:22 PM »
I believe anyone with a letterhead can apply to VicRoads and get particulars for any motor vehicle after paying a search fee.
If you have enough front you can get anything.  There is no such thing as security of personal information.
Lawyers and Solicitors prove it every day of the week.
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