1 00:00:01,400 --> 00:00:04,760 Speaker 1: Seven o two weekend Breakfast and motoring. 2 00:00:05,160 --> 00:00:07,760 Speaker 2: It's ten minutes after at seven o'clock time for us 3 00:00:07,800 --> 00:00:10,440 Speaker 2: to talk motoring for this week. And this week we 4 00:00:10,480 --> 00:00:13,160 Speaker 2: are talking about the things you should be doing if 5 00:00:13,160 --> 00:00:15,320 Speaker 2: you find yourself in a bit of a situation on 6 00:00:15,320 --> 00:00:17,960 Speaker 2: one of our public roads. So maybe you have a breakdown, 7 00:00:17,960 --> 00:00:20,160 Speaker 2: you run out of fuel and you need to leave 8 00:00:20,200 --> 00:00:22,919 Speaker 2: the car, take a jerry can to the petrol station, 9 00:00:23,400 --> 00:00:26,639 Speaker 2: or maybe you end up in a fender bender. And 10 00:00:26,680 --> 00:00:28,479 Speaker 2: I saw quite a number of them this week with 11 00:00:28,720 --> 00:00:32,000 Speaker 2: this wet weather. He always assumed that there's an accident 12 00:00:32,040 --> 00:00:34,720 Speaker 2: waiting to happen when it's raining, So what are the 13 00:00:34,720 --> 00:00:38,400 Speaker 2: things you're meant to be doing in that instance? As mentioned, 14 00:00:38,440 --> 00:00:41,600 Speaker 2: there was a story published this week. A motorist got 15 00:00:41,600 --> 00:00:43,880 Speaker 2: stuck on the side of the road in November of 16 00:00:43,960 --> 00:00:46,320 Speaker 2: last year. He went to go get fuel. He left 17 00:00:46,320 --> 00:00:49,600 Speaker 2: his car on the road. While he was away, another 18 00:00:49,680 --> 00:00:53,440 Speaker 2: car crashes into him. The original owner, the person that 19 00:00:53,520 --> 00:00:56,600 Speaker 2: left their car on the road, He was not ensured, 20 00:00:56,680 --> 00:00:59,360 Speaker 2: so he attempted to make a third party claim to 21 00:00:59,400 --> 00:01:02,880 Speaker 2: the insurance of the other motorists the one that hit him, 22 00:01:03,000 --> 00:01:05,720 Speaker 2: and it was rejected. He didn't place a triangle behind 23 00:01:05,720 --> 00:01:08,720 Speaker 2: his podcorm. He didn't put his hazards on and his 24 00:01:08,800 --> 00:01:12,839 Speaker 2: car was partially on the road. I didn't realize hazards 25 00:01:12,840 --> 00:01:14,759 Speaker 2: for something you needed to have one. I've always known 26 00:01:14,760 --> 00:01:17,679 Speaker 2: about the triangle and everyone should have a triangle. Didn't 27 00:01:17,680 --> 00:01:21,120 Speaker 2: realize that things like hazards were also important. Joining us 28 00:01:21,120 --> 00:01:23,160 Speaker 2: this morning to unpack some of these things we should 29 00:01:23,200 --> 00:01:26,000 Speaker 2: know as we drive on our roads, especially in this 30 00:01:26,360 --> 00:01:31,240 Speaker 2: poor visibility wet weather. Joined on the line by Warren Tucker. Warren, 31 00:01:31,319 --> 00:01:35,440 Speaker 2: always a great pleasure chatting to you. Good morning, Good morning, 32 00:01:35,920 --> 00:01:37,400 Speaker 2: you think very well, Thank you, Warren. 33 00:01:37,400 --> 00:01:41,399 Speaker 1: How are you the sunny shining? I think yes? 34 00:01:42,600 --> 00:01:45,360 Speaker 3: Where where are you? Where you have sun? We still 35 00:01:45,440 --> 00:01:46,480 Speaker 3: have great cover. 36 00:01:47,600 --> 00:01:52,720 Speaker 1: The best side of Johannesburg, the westrand right. 37 00:01:52,640 --> 00:01:59,040 Speaker 2: So the sun few must be nice. 38 00:01:57,720 --> 00:02:04,280 Speaker 1: So well rightment Unfortunately, unfortunately did not really these cave 39 00:02:04,320 --> 00:02:07,160 Speaker 1: fifty three, because it is in the Cave fifty three 40 00:02:07,680 --> 00:02:10,600 Speaker 1: that if you need to stop in the event of 41 00:02:10,639 --> 00:02:17,799 Speaker 1: the emergency that's stit big and bold, indicate left, check 42 00:02:17,840 --> 00:02:20,760 Speaker 1: your blind spot and move on to the yellow emergency's shoulder. 43 00:02:21,480 --> 00:02:25,480 Speaker 1: And the very next line say is safety hazard lights. 44 00:02:25,560 --> 00:02:30,040 Speaker 1: Turn on your hazard hazard lights immediately right. That's in 45 00:02:30,080 --> 00:02:31,000 Speaker 1: the cave fifty three. 46 00:02:31,680 --> 00:02:35,079 Speaker 2: Ah, I think there are very many people who haven't 47 00:02:35,080 --> 00:02:38,760 Speaker 2: read the K fifty three, or it's been so long 48 00:02:40,040 --> 00:02:45,080 Speaker 2: it's been you know, god ten, fifteen, twenty more years since. 49 00:02:44,840 --> 00:02:45,720 Speaker 3: They looked at it. 50 00:02:46,520 --> 00:02:48,800 Speaker 2: But it's so you say, it is the law that 51 00:02:48,880 --> 00:02:51,680 Speaker 2: you you park your car, you take it off the road, 52 00:02:52,200 --> 00:02:54,600 Speaker 2: out of the way of the other you know, moving cars, 53 00:02:54,600 --> 00:02:56,600 Speaker 2: out of traffic, and you put your hazards on. 54 00:02:56,720 --> 00:02:57,520 Speaker 3: That's in the book. 55 00:02:58,720 --> 00:03:01,679 Speaker 1: Definitely. I'm going to say something that might have said 56 00:03:02,680 --> 00:03:07,240 Speaker 1: that common sense is not so common unfortunately. Basically, what 57 00:03:07,320 --> 00:03:10,440 Speaker 1: you need to always remember is is it's safety first, 58 00:03:10,480 --> 00:03:14,400 Speaker 1: because everything you do common sense to dictate that you 59 00:03:14,480 --> 00:03:17,720 Speaker 1: need to put your ass on right. And there's a 60 00:03:17,800 --> 00:03:21,520 Speaker 1: tangle in the boot of your vehicle. All all vehicles 61 00:03:21,600 --> 00:03:24,839 Speaker 1: sold today come at a triangle. That's the law. If 62 00:03:24,880 --> 00:03:27,320 Speaker 1: you don't have a tangle in your car. There are 63 00:03:27,720 --> 00:03:32,040 Speaker 1: parts places like your minas's, your gold varns, your autosomes. 64 00:03:32,400 --> 00:03:35,320 Speaker 1: They sell them. They're very cheap, the under hundred bucks, 65 00:03:35,640 --> 00:03:38,360 Speaker 1: and it needs to be in your vehicle. It's part 66 00:03:38,400 --> 00:03:40,880 Speaker 1: of the stuff that need to be there right. 67 00:03:41,520 --> 00:03:46,920 Speaker 2: And so this traffic your triangle, you can be I 68 00:03:46,960 --> 00:03:49,520 Speaker 2: know it's happened to me at a roadblock before where 69 00:03:49,920 --> 00:03:52,320 Speaker 2: the officers were checking for certain things. They looked at 70 00:03:52,320 --> 00:03:53,520 Speaker 2: my desk, they looked at my tire. 71 00:03:53,600 --> 00:03:53,840 Speaker 3: Friend. 72 00:03:54,200 --> 00:03:56,680 Speaker 2: They asked me, do I have a triangle in the car? 73 00:03:57,200 --> 00:03:59,520 Speaker 2: And I said yes, and they actually asked to see it. 74 00:03:59,560 --> 00:04:01,760 Speaker 2: So I had to open my boot because it's it's 75 00:04:01,800 --> 00:04:04,720 Speaker 2: that's where my spare wheel is. So also the kind 76 00:04:04,720 --> 00:04:07,480 Speaker 2: of thing you can be asked for by a traffic official. 77 00:04:08,680 --> 00:04:11,040 Speaker 1: Yes, it's required to be in your vehicle by law 78 00:04:11,240 --> 00:04:14,680 Speaker 1: because of this exact for this exact reason. So once 79 00:04:14,760 --> 00:04:19,679 Speaker 1: you once you pull over and gardens to a safe place, okay, 80 00:04:20,160 --> 00:04:23,839 Speaker 1: and your vehicle is off the or fireway, out of 81 00:04:23,839 --> 00:04:26,040 Speaker 1: the way of vehicles, your hazards need to go on, 82 00:04:26,600 --> 00:04:30,040 Speaker 1: and you need to place the triangle at least according 83 00:04:30,040 --> 00:04:33,719 Speaker 1: to your K fifty three at least twenty between fifteen 84 00:04:33,720 --> 00:04:37,200 Speaker 1: and twenty meters from the vehicle because it needs people 85 00:04:37,360 --> 00:04:39,719 Speaker 1: coming need to be able to see before they see 86 00:04:39,720 --> 00:04:41,600 Speaker 1: your vehicle so they get a chance to move out 87 00:04:41,640 --> 00:04:44,200 Speaker 1: of the way. It shouldn't be something that you just 88 00:04:44,279 --> 00:04:46,720 Speaker 1: put behind the car by the time they've seen it. 89 00:04:46,720 --> 00:04:49,160 Speaker 1: It's too late, and you have the sort of thing 90 00:04:49,200 --> 00:04:51,440 Speaker 1: that happened here where your vehicle gets re ended. 91 00:04:51,760 --> 00:04:52,039 Speaker 3: Right. 92 00:04:52,640 --> 00:04:56,240 Speaker 2: So I imagine then, because we have so many I guess 93 00:04:56,240 --> 00:05:00,200 Speaker 2: guidelines laws about what makes for a road safe array, 94 00:05:00,279 --> 00:05:04,600 Speaker 2: a road worthy vehicle, and things that make for safe driving, 95 00:05:04,960 --> 00:05:07,560 Speaker 2: that there are some things that they an insurer with 96 00:05:07,680 --> 00:05:09,520 Speaker 2: it as you owner someone else's is just not going 97 00:05:09,600 --> 00:05:11,640 Speaker 2: to pay you for. So in the case of this 98 00:05:11,680 --> 00:05:15,839 Speaker 2: particular driver, they didn't put the triangle on. They didn't 99 00:05:17,040 --> 00:05:18,719 Speaker 2: they didn't put the triangle out, they didn't put their 100 00:05:18,760 --> 00:05:20,479 Speaker 2: hazards on. Their car were still in the ways. They 101 00:05:20,480 --> 00:05:24,960 Speaker 2: didn't get out of the road with something like wear 102 00:05:25,080 --> 00:05:28,520 Speaker 2: and tear. So, for instance, if your tires are smooth, 103 00:05:29,160 --> 00:05:31,560 Speaker 2: could that be a reason and insurance says, well, you 104 00:05:31,640 --> 00:05:33,880 Speaker 2: weren't driving safely, so we're not going to pay you. 105 00:05:35,200 --> 00:05:38,320 Speaker 1: Okay. So I've heard this before and people always get 106 00:05:38,360 --> 00:05:41,440 Speaker 1: into an uproar about those tires things. So let's clarify 107 00:05:41,480 --> 00:05:44,320 Speaker 1: it like this, in terms of the rules of the country, 108 00:05:44,520 --> 00:05:46,480 Speaker 1: right or the rules of the road, your vehicle is 109 00:05:46,640 --> 00:05:50,400 Speaker 1: quite to be roadworthy and licensed to be on the road. 110 00:05:50,800 --> 00:05:53,800 Speaker 1: If you have ball tires, your car is not roadworthy. 111 00:05:54,279 --> 00:05:58,000 Speaker 1: So Therefore, you're putting yourself in danger or at risk 112 00:05:58,480 --> 00:06:02,240 Speaker 1: by driving a car with ball tires because potentially when 113 00:06:02,320 --> 00:06:05,120 Speaker 1: the insurance comes out, they will look at it and 114 00:06:05,120 --> 00:06:07,599 Speaker 1: they'll sever But hang on, these tires are smooth, they 115 00:06:07,640 --> 00:06:10,760 Speaker 1: are passed away limit. This car should not have been 116 00:06:10,839 --> 00:06:14,360 Speaker 1: on the road. Therefore, right this claim is null and 117 00:06:14,440 --> 00:06:17,880 Speaker 1: void because legally, in terms of the rules of the road, 118 00:06:18,440 --> 00:06:22,760 Speaker 1: this car is not roadworthy, and it always causes an issue. 119 00:06:22,760 --> 00:06:26,039 Speaker 1: I've always heard this way. I've heard people complain and say, yeah, 120 00:06:26,080 --> 00:06:30,160 Speaker 1: my insurance didn't pay because they just look for anything 121 00:06:30,279 --> 00:06:32,520 Speaker 1: not to pay my claim. And they came and they 122 00:06:32,560 --> 00:06:34,839 Speaker 1: looked at my car, and you know, three of my tires. 123 00:06:34,920 --> 00:06:37,080 Speaker 1: I was going to change them, but I didn't have 124 00:06:37,160 --> 00:06:40,560 Speaker 1: a chance to. Any accident happened before I changed them. Well, 125 00:06:40,760 --> 00:06:45,080 Speaker 1: technically speaking, you were driving illegally because your tires were bald, 126 00:06:45,680 --> 00:06:49,440 Speaker 1: so you already passed away marker, which says which in 127 00:06:49,520 --> 00:06:51,480 Speaker 1: terms of the rules of the road, say your car 128 00:06:51,560 --> 00:06:57,400 Speaker 1: is not roadworthy. It's like people that drive with fused taighlights. 129 00:06:57,440 --> 00:07:00,599 Speaker 1: So the break lights don't work, they indicate it don't work. 130 00:07:00,640 --> 00:07:04,320 Speaker 1: Your reverse lights don't work. Your car's not roadworthy. If 131 00:07:04,320 --> 00:07:07,560 Speaker 1: your headlights don't work, your car is not roadworthy. 132 00:07:08,279 --> 00:07:12,680 Speaker 2: And so so in that instance, then any insurer and 133 00:07:12,760 --> 00:07:15,320 Speaker 2: even I guess if you're stuffed by the police, by 134 00:07:15,400 --> 00:07:17,680 Speaker 2: traffic officials, they can say, well, this cussion be on 135 00:07:17,720 --> 00:07:20,880 Speaker 2: the road because it doesn't comply with a B and C. 136 00:07:22,160 --> 00:07:24,960 Speaker 1: Definitely they can say that. And they can say, well, look, 137 00:07:26,280 --> 00:07:29,120 Speaker 1: you have the right lights, you don't have headlights. Obviously, 138 00:07:29,360 --> 00:07:32,800 Speaker 1: those are things you can rectify immediately by going to 139 00:07:32,840 --> 00:07:34,920 Speaker 1: go and replace the globes, even if you don't know 140 00:07:34,960 --> 00:07:39,000 Speaker 1: how to do it. Most guys at self parts will 141 00:07:39,080 --> 00:07:42,680 Speaker 1: come out and they'll assist you, and there's a lot 142 00:07:42,680 --> 00:07:45,400 Speaker 1: of you can go to the original manufacturer. You can 143 00:07:45,440 --> 00:07:47,640 Speaker 1: ask them to assist. But the thing is is the 144 00:07:47,720 --> 00:07:49,560 Speaker 1: onus is on you, as the owner of the vehicle, 145 00:07:49,640 --> 00:07:53,120 Speaker 1: to make sure that guy's roadworthy at all times. Right, 146 00:07:53,160 --> 00:07:57,400 Speaker 1: because you don't only put yourself your own life in danger, 147 00:07:57,440 --> 00:08:00,680 Speaker 1: you put that you put other people's is in danger 148 00:08:00,760 --> 00:08:04,280 Speaker 1: as well, and you risk having a claim repudiated because 149 00:08:04,280 --> 00:08:08,280 Speaker 1: you're playing that insurance every month. Okay, so now you 150 00:08:08,320 --> 00:08:12,160 Speaker 1: put yourself in a situation where your car's not roadworthy, 151 00:08:12,360 --> 00:08:15,560 Speaker 1: you have an accellent Now the insurance is that, well, 152 00:08:15,600 --> 00:08:17,520 Speaker 1: we can't help you because of X, Y, and Z, 153 00:08:17,880 --> 00:08:20,920 Speaker 1: And then they becomes a fight now because well I 154 00:08:20,960 --> 00:08:23,480 Speaker 1: was paying for insurance, but you're saying that you can't 155 00:08:23,560 --> 00:08:26,160 Speaker 1: help me. Are you looking for any reason not to 156 00:08:26,200 --> 00:08:31,560 Speaker 1: pay my claim? But techniquely, your eyers were bold, so yeah, 157 00:08:31,600 --> 00:08:32,960 Speaker 1: your caution have been on the road. 158 00:08:33,240 --> 00:08:36,600 Speaker 2: And another I guess an obvious one, but often people 159 00:08:36,640 --> 00:08:38,800 Speaker 2: find themselves, I guess on the wrong side of this. 160 00:08:40,040 --> 00:08:42,520 Speaker 3: Ensuring that your licenses are valid. 161 00:08:42,559 --> 00:08:45,440 Speaker 2: So your license risk is valid because that means your 162 00:08:45,480 --> 00:08:47,920 Speaker 2: car can be on the road, but also then your 163 00:08:48,040 --> 00:08:51,200 Speaker 2: driver's license. You need to make sure that that's valid. 164 00:08:51,280 --> 00:08:53,600 Speaker 2: And if either one of those it's not like, oh, 165 00:08:53,600 --> 00:08:56,360 Speaker 2: well my license disk is valid but my drivers is not, 166 00:08:56,480 --> 00:08:59,720 Speaker 2: so it's fine. They both need to be valid for 167 00:08:59,800 --> 00:09:02,000 Speaker 2: you to be allowed on the road or be on 168 00:09:02,040 --> 00:09:02,800 Speaker 2: the road legally. 169 00:09:05,520 --> 00:09:09,000 Speaker 1: If your license disk is expired, your car is not roadwady. 170 00:09:09,120 --> 00:09:11,520 Speaker 1: You're not allowed to be on the road if your 171 00:09:11,720 --> 00:09:14,720 Speaker 1: driver's license has expired. And I know there's big stories 172 00:09:14,760 --> 00:09:18,280 Speaker 1: around us, Yes, my driver's license is still valid, but 173 00:09:18,480 --> 00:09:22,880 Speaker 1: if this one's expired, well, again, it says very clearly 174 00:09:22,920 --> 00:09:25,280 Speaker 1: that if your license is expired you're not allowed to 175 00:09:25,360 --> 00:09:28,080 Speaker 1: drive a vehicle, so you've got to go and get 176 00:09:28,120 --> 00:09:29,400 Speaker 1: another driver's license. 177 00:09:29,520 --> 00:09:32,360 Speaker 2: Yeah, and in the case, I mean we saw at 178 00:09:32,400 --> 00:09:36,480 Speaker 2: one time there was that quite that big backlog of 179 00:09:36,800 --> 00:09:41,280 Speaker 2: a license of driver's license cards, and you know, people 180 00:09:41,320 --> 00:09:43,000 Speaker 2: are saying, well, I haven't been able to get it 181 00:09:43,040 --> 00:09:45,840 Speaker 2: renewed because of the delay. We only have one machine 182 00:09:45,920 --> 00:09:49,000 Speaker 2: and at some point it was in Germany for repairs. 183 00:09:49,040 --> 00:09:52,840 Speaker 2: In the instance where your license has expired, you are 184 00:09:52,960 --> 00:09:56,840 Speaker 2: unable to get a new license, is there I guess 185 00:09:57,160 --> 00:10:01,280 Speaker 2: a grace for that with your licenses in the back clock, 186 00:10:01,400 --> 00:10:03,880 Speaker 2: or you haven't been able to because of something that's 187 00:10:03,880 --> 00:10:05,200 Speaker 2: happening in the traffic department. 188 00:10:05,440 --> 00:10:06,280 Speaker 3: Do you have a bit of. 189 00:10:06,320 --> 00:10:09,240 Speaker 2: Grace for that expired license? Do you need to get 190 00:10:09,240 --> 00:10:12,079 Speaker 2: a letter from the you know, David from the cops. 191 00:10:12,200 --> 00:10:13,120 Speaker 2: What happens then. 192 00:10:16,160 --> 00:10:19,120 Speaker 1: Put when the license, when the machine has gone for 193 00:10:19,200 --> 00:10:22,080 Speaker 1: it days, you would still go and renew your driver's 194 00:10:22,120 --> 00:10:24,640 Speaker 1: license and you'll be issued with a ticket. You'd be 195 00:10:24,640 --> 00:10:27,200 Speaker 1: issued with a form to say that you've gone and 196 00:10:27,240 --> 00:10:31,520 Speaker 1: done the process. Also, they were issuing temporary driver's licenses 197 00:10:31,559 --> 00:10:34,240 Speaker 1: at the time. The police also came out and it 198 00:10:34,320 --> 00:10:36,559 Speaker 1: was all over the news that listen, there's a problem. 199 00:10:36,840 --> 00:10:39,240 Speaker 1: We cannot issue the cards. But you can't pay for 200 00:10:39,320 --> 00:10:45,520 Speaker 1: a temporary license, right, it was a paper that would 201 00:10:45,679 --> 00:10:47,679 Speaker 1: that they would issue you with your photo on it 202 00:10:47,800 --> 00:10:50,160 Speaker 1: and the rest of it. You'd also have proof that 203 00:10:50,200 --> 00:10:52,080 Speaker 1: you applied for it. So as long as you can 204 00:10:52,160 --> 00:10:54,640 Speaker 1: provide the insurance is a proof that, look, I've done 205 00:10:54,679 --> 00:10:58,440 Speaker 1: the writing, I've gone for my renewal. This is the story. 206 00:10:58,600 --> 00:11:00,720 Speaker 1: This is what I've got to prove that I've gone 207 00:11:00,720 --> 00:11:04,520 Speaker 1: for my renewal. You're fine, You're okay. But then if 208 00:11:04,559 --> 00:11:07,280 Speaker 1: you in a situation where you haven't done all these things, 209 00:11:07,280 --> 00:11:10,640 Speaker 1: and then relying on the fact that okay, well they 210 00:11:10,679 --> 00:11:13,440 Speaker 1: said on TV that the machine's broken and as a backlock. 211 00:11:13,720 --> 00:11:15,760 Speaker 1: So I didn't go for it because I was waiting 212 00:11:15,800 --> 00:11:18,160 Speaker 1: for it to come back. But you haven't gotten a 213 00:11:18,280 --> 00:11:21,320 Speaker 1: temporary and you can't prove that you've gone and gotten 214 00:11:21,360 --> 00:11:23,839 Speaker 1: your license, you might sit a bit of trouble with 215 00:11:23,920 --> 00:11:24,920 Speaker 1: the insurance company. 216 00:11:25,120 --> 00:11:28,200 Speaker 2: Okay, that makes sense, And so also what happens in 217 00:11:28,240 --> 00:11:30,880 Speaker 2: the issue of mechanical failure, So it seems as though 218 00:11:31,760 --> 00:11:34,679 Speaker 2: things can get a bit murky here. So insurance can 219 00:11:34,720 --> 00:11:39,760 Speaker 2: cover an accident, but mechanical failure or mechanical breakdown. That 220 00:11:39,920 --> 00:11:43,640 Speaker 2: becomes a little bit more nuanced, a bit more interesting. 221 00:11:43,840 --> 00:11:44,640 Speaker 3: Talk to us about that. 222 00:11:45,880 --> 00:11:49,960 Speaker 1: Well, there's the thing. Then most insurance give a feet 223 00:11:49,960 --> 00:11:53,480 Speaker 1: toe in service and I'll tow the vehicle to a 224 00:11:53,520 --> 00:11:56,320 Speaker 1: destination of your choice. So if your vehicle breaks down 225 00:11:56,920 --> 00:12:00,280 Speaker 1: and there's something wrong with the engine, they will get 226 00:12:00,280 --> 00:12:03,959 Speaker 1: the vehicle code to a workshop or wherever you need 227 00:12:04,040 --> 00:12:06,040 Speaker 1: to have a work needs to be carried out in 228 00:12:06,120 --> 00:12:09,720 Speaker 1: the vehicle. Now you need to read the fine front 229 00:12:09,760 --> 00:12:13,200 Speaker 1: of your policy and see what your policy covers and 230 00:12:13,280 --> 00:12:18,559 Speaker 1: doesn't cover. Most insurance companies don't cover mechanical breakdown, right, 231 00:12:18,640 --> 00:12:23,360 Speaker 1: You normally have a warranty or a third party system 232 00:12:23,520 --> 00:12:28,520 Speaker 1: that covers that. Most vehicles come as a manufacturer's warranty, 233 00:12:29,040 --> 00:12:32,600 Speaker 1: a service plan of some sort, or a maintenance plan 234 00:12:32,679 --> 00:12:36,559 Speaker 1: if you've upgraded it, which covers those breakdowns. If you've 235 00:12:36,559 --> 00:12:40,000 Speaker 1: got an older vehicle that is out of these manufacturer 236 00:12:40,080 --> 00:12:43,320 Speaker 1: service plans, you can get a third party warranty which 237 00:12:43,320 --> 00:12:47,360 Speaker 1: you can pay. There's all these companies innovation, they've got these, 238 00:12:47,400 --> 00:12:50,880 Speaker 1: I know, but West has one. Most companies have a 239 00:12:51,040 --> 00:12:55,400 Speaker 1: mechanical warranty. Aftermarket warranty that you can bolt onto your 240 00:12:55,440 --> 00:12:59,520 Speaker 1: vehicle when you purchase it. Just the F and I 241 00:12:59,679 --> 00:13:03,160 Speaker 1: when you buying a second nd vehicle, what's available to you. 242 00:13:03,760 --> 00:13:06,800 Speaker 1: But in terms of an insurance company, read the fine 243 00:13:06,840 --> 00:13:10,600 Speaker 1: print of your policy. Always read that policy, and always 244 00:13:10,640 --> 00:13:15,160 Speaker 1: remember one thing. The lower your premium, the higher your excess. Okay, 245 00:13:15,320 --> 00:13:17,679 Speaker 1: So a lot of the time you'll see on TV 246 00:13:17,760 --> 00:13:21,400 Speaker 1: the advertising that the premium for this vehicle is three 247 00:13:21,760 --> 00:13:24,920 Speaker 1: is maybe four hundred brand and the very next insurance 248 00:13:24,960 --> 00:13:27,400 Speaker 1: that you call for that same vehicle might be double that. 249 00:13:28,000 --> 00:13:31,880 Speaker 1: Remember something, the lower the premium, the higher your excess. Right, 250 00:13:32,200 --> 00:13:34,959 Speaker 1: and read the fine print also because you might find 251 00:13:35,040 --> 00:13:37,800 Speaker 1: that the lower your premium, the higher your access. You'd 252 00:13:37,800 --> 00:13:40,360 Speaker 1: have an excess for a wind screen, which is basically 253 00:13:40,720 --> 00:13:42,839 Speaker 1: the same price as the wind screen. So you can 254 00:13:42,840 --> 00:13:45,080 Speaker 1: go and do that yourself. Then you need to figure 255 00:13:45,120 --> 00:13:48,600 Speaker 1: out what do you want, Okay, you need to the 256 00:13:48,679 --> 00:13:51,079 Speaker 1: insurance policy mus work for you at the end of 257 00:13:51,080 --> 00:13:55,560 Speaker 1: the day. And also remember every year on the in 258 00:13:55,600 --> 00:14:00,240 Speaker 1: the first month follow your insurance company, negotiate your right 259 00:14:00,320 --> 00:14:04,160 Speaker 1: renegotiated right, because your vehicle drops in value every year, 260 00:14:05,200 --> 00:14:10,280 Speaker 1: So don't just leave it and say, well, Okay my vehicle, 261 00:14:10,440 --> 00:14:13,640 Speaker 1: I'm playing this insurance creaming from name and renegotiated right 262 00:14:14,040 --> 00:14:16,960 Speaker 1: every single Yeah, your vehicle loses value. 263 00:14:18,760 --> 00:14:21,920 Speaker 3: We received the water poison seventeen seven two one seven 264 00:14:22,000 --> 00:14:22,400 Speaker 3: or two. 265 00:14:24,040 --> 00:14:28,200 Speaker 4: Morning gooks. It's CALLI in the west Rand. Could you 266 00:14:28,280 --> 00:14:34,520 Speaker 4: kindly ask your guest there from the west Rand if 267 00:14:34,520 --> 00:14:39,960 Speaker 4: he recalls. Also got my license through K fifty three. 268 00:14:40,520 --> 00:14:43,240 Speaker 4: There was a time in the crossed up area there 269 00:14:43,280 --> 00:14:47,040 Speaker 4: was a book. I think it's tightly just said as 270 00:14:47,120 --> 00:14:52,040 Speaker 4: IPD such identify, predict and decide on driving, and it 271 00:14:52,200 --> 00:14:57,680 Speaker 4: had very vaaliuable tips. Just if he knows about it, 272 00:14:57,760 --> 00:14:59,160 Speaker 4: is it still out there? 273 00:15:01,320 --> 00:15:04,200 Speaker 2: Thank you very much for that rotip vostion of Collie Warrant. 274 00:15:04,200 --> 00:15:05,640 Speaker 2: Does that ring a bell at all? 275 00:15:06,800 --> 00:15:10,120 Speaker 1: No, not at all. I'm sure the book might be 276 00:15:10,200 --> 00:15:13,600 Speaker 1: out there. I haven't seen it. We can maybe do 277 00:15:13,680 --> 00:15:15,800 Speaker 1: a Google search and see and maybe get back to 278 00:15:15,840 --> 00:15:16,640 Speaker 1: the to. 279 00:15:16,600 --> 00:15:19,360 Speaker 2: The caller, right, okay, so we'll have a look at that. 280 00:15:20,720 --> 00:15:23,560 Speaker 2: Warren't talk to us about in the insistance where you 281 00:15:23,680 --> 00:15:28,160 Speaker 2: are in an accident with another person and perhaps you 282 00:15:28,200 --> 00:15:32,200 Speaker 2: need to claim from their insurance that the insurance not 283 00:15:32,240 --> 00:15:34,560 Speaker 2: going to pay you if you are going to end 284 00:15:34,640 --> 00:15:38,640 Speaker 2: up in a better financial position then before the incident. 285 00:15:38,680 --> 00:15:41,040 Speaker 2: So we have a rule in this country you may 286 00:15:41,080 --> 00:15:45,040 Speaker 2: not make a profit or benefit from an insurance payout. 287 00:15:45,280 --> 00:15:47,360 Speaker 3: That also extends to cars. 288 00:15:47,440 --> 00:15:50,400 Speaker 2: So if your car, you know, the bumper was falling apart, 289 00:15:50,800 --> 00:15:53,600 Speaker 2: you end up in a fenderpender, insurance is unlikely to 290 00:15:53,680 --> 00:15:55,480 Speaker 2: pay you because if they buy you a new one, 291 00:15:55,720 --> 00:15:57,800 Speaker 2: it'll be in a better position than before the accident. 292 00:15:59,120 --> 00:16:01,600 Speaker 1: Okay, to one as a bit of a gray area, 293 00:16:01,600 --> 00:16:04,320 Speaker 1: and I think that that is seated case by case. 294 00:16:04,760 --> 00:16:09,800 Speaker 1: All Right, if if I'm driving my vehicle and my 295 00:16:10,840 --> 00:16:13,400 Speaker 1: back bumper is damaged in some way and you rear 296 00:16:13,560 --> 00:16:17,200 Speaker 1: end me, okay, they're not going to put back a 297 00:16:17,320 --> 00:16:21,840 Speaker 1: damaged damaged bumper. They're going to repair the vehicle back 298 00:16:21,880 --> 00:16:25,560 Speaker 1: to the way it should have been. There's mitigating circumstances. 299 00:16:25,600 --> 00:16:28,080 Speaker 1: Then they would look at the vehicle to see, Okay, 300 00:16:28,160 --> 00:16:31,920 Speaker 1: is this vehicle roadworthy? Is there license to go? This vehicle? 301 00:16:32,360 --> 00:16:35,040 Speaker 1: All the tires? Okay? Should this vehicle be on the road, 302 00:16:35,200 --> 00:16:37,600 Speaker 1: then they'll take it from there. I think that yes, 303 00:16:38,120 --> 00:16:41,440 Speaker 1: there are instances where people try to profit and benefit 304 00:16:41,480 --> 00:16:43,800 Speaker 1: from insurance, but at the same time, it's a case 305 00:16:43,880 --> 00:16:49,360 Speaker 1: by case. They look at it case by case. Like 306 00:16:49,440 --> 00:16:52,880 Speaker 1: I said, you can't you're going to eat the vehicle, 307 00:16:53,160 --> 00:16:55,880 Speaker 1: damage the car. But now you can't say that, well, 308 00:16:55,880 --> 00:16:58,200 Speaker 1: I'm gonna put a damaged bump on your vehicle because 309 00:16:58,480 --> 00:17:01,840 Speaker 1: you added your bumper was falling off already. You hit 310 00:17:01,880 --> 00:17:04,439 Speaker 1: me from behind. There was stationary you didn't see what 311 00:17:04,480 --> 00:17:08,440 Speaker 1: you were doing. Unfortunately, you've got to repair the vehicle. 312 00:17:09,080 --> 00:17:12,200 Speaker 1: The thing in South Africa is so many people don't 313 00:17:12,240 --> 00:17:15,439 Speaker 1: have insurance. There are some people that have third party 314 00:17:15,480 --> 00:17:21,119 Speaker 1: insurance and have full insurance packages right and most of 315 00:17:21,160 --> 00:17:23,560 Speaker 1: the time what you kind of find is maybe you 316 00:17:23,680 --> 00:17:26,679 Speaker 1: are there's an accident that takes place, the two of 317 00:17:26,680 --> 00:17:30,960 Speaker 1: you are insured by the same company. Right now, basically 318 00:17:31,280 --> 00:17:36,480 Speaker 1: you are saying, well that insurance of the day, this company, Okay, 319 00:17:36,600 --> 00:17:39,600 Speaker 1: they be the same. You've rear ended me, this is 320 00:17:39,720 --> 00:17:43,000 Speaker 1: your fault. I'm not claiming from my insurance. The insurance 321 00:17:43,040 --> 00:17:47,200 Speaker 1: companies so internally that insurance company will handle that process. 322 00:17:47,560 --> 00:17:49,880 Speaker 1: These chances are you'd have to pay your access get 323 00:17:49,880 --> 00:17:52,800 Speaker 1: your car repaired. They would claim you'd get your access back. 324 00:17:53,200 --> 00:17:56,200 Speaker 1: If it's a rival insurance company, they've got a duel 325 00:17:56,280 --> 00:17:58,520 Speaker 1: between each other. They call it a knock for a knock, 326 00:17:59,000 --> 00:18:02,560 Speaker 1: so they'll do the repair. Then if it's a repair 327 00:18:02,600 --> 00:18:04,800 Speaker 1: on your side, you'll do it, and it's an agreement 328 00:18:04,800 --> 00:18:09,960 Speaker 1: between the insurance companies. Right. So again, despite case, I 329 00:18:10,119 --> 00:18:13,000 Speaker 1: know people always want to nail the insurance companies. They 330 00:18:13,040 --> 00:18:16,640 Speaker 1: are always the bad people. But remember something, right, if 331 00:18:16,680 --> 00:18:21,040 Speaker 1: you follow the rules, if your vehicle is roadworthy, if 332 00:18:21,080 --> 00:18:23,679 Speaker 1: you do what you're supposed to do, there's very little 333 00:18:23,800 --> 00:18:27,160 Speaker 1: chance of the insurance company repudiating your plan. Right, there's 334 00:18:27,160 --> 00:18:30,360 Speaker 1: an combatsman. There's so many people out there that if 335 00:18:30,400 --> 00:18:32,840 Speaker 1: they do repudiate, you can go to them and force 336 00:18:32,960 --> 00:18:37,119 Speaker 1: them to pay. That play out the tail. But always 337 00:18:37,160 --> 00:18:39,679 Speaker 1: think about that, if as long as your side of 338 00:18:39,680 --> 00:18:41,840 Speaker 1: the plate is clean and you're doing what you're supposed to, 339 00:18:42,000 --> 00:18:44,680 Speaker 1: it becomes very difficult for somebody to repudiate your claim. 340 00:18:44,920 --> 00:18:45,120 Speaker 3: Right. 341 00:18:46,080 --> 00:18:49,000 Speaker 2: A question chaer, which I guess also relates to things 342 00:18:49,040 --> 00:18:50,959 Speaker 2: we need to be doing on the road, not just 343 00:18:51,040 --> 00:18:53,280 Speaker 2: for to make sure that you can claim for insurance, 344 00:18:53,320 --> 00:18:56,640 Speaker 2: but for everyone's safety. But the message asked, what does 345 00:18:56,920 --> 00:18:59,439 Speaker 2: keep left pass right mean? And this is such a 346 00:18:59,440 --> 00:19:04,240 Speaker 2: fun day no core rule in that K fifty three book, 347 00:19:04,560 --> 00:19:07,240 Speaker 2: what does it mean to keep left, pass right. 348 00:19:08,840 --> 00:19:13,040 Speaker 1: South Africa. Interesting story and a friend that moved to 349 00:19:13,040 --> 00:19:17,320 Speaker 1: Australia and you know, obviously purchased the vehicle, moved his 350 00:19:17,400 --> 00:19:19,840 Speaker 1: old family and driving in the fast lane there and 351 00:19:19,880 --> 00:19:22,720 Speaker 1: got pulled over and got a fine and was read 352 00:19:22,760 --> 00:19:25,720 Speaker 1: the right to act because there nobody drives in the 353 00:19:25,760 --> 00:19:28,960 Speaker 1: fast lane. Okay, you keep left, you move into the 354 00:19:29,000 --> 00:19:32,720 Speaker 1: fast lane to overtake, and you keep left. Nobody's riding 355 00:19:32,760 --> 00:19:35,280 Speaker 1: in that fast lane, in the quicker traffic lane, and 356 00:19:35,400 --> 00:19:38,120 Speaker 1: everybody there sticks to the speed limit. When you got 357 00:19:38,119 --> 00:19:41,480 Speaker 1: to South Africa and we do our own thing, I mean, 358 00:19:41,520 --> 00:19:44,119 Speaker 1: you'll find somebody in a fast lane going one twenty 359 00:19:44,600 --> 00:19:46,480 Speaker 1: and you'd flash them to move out of the way, 360 00:19:46,520 --> 00:19:49,159 Speaker 1: and they get cross with you. How dare you shout 361 00:19:49,200 --> 00:19:52,280 Speaker 1: a flash? 362 00:19:52,800 --> 00:19:53,159 Speaker 3: Warren? 363 00:19:55,119 --> 00:19:58,320 Speaker 2: What happened to Warren? We seem to have lost them there. 364 00:19:58,480 --> 00:20:00,960 Speaker 2: I'm not sure what happened. We'll try hit him back 365 00:20:01,080 --> 00:20:05,000 Speaker 2: to finish the end of that story. A message here, 366 00:20:05,359 --> 00:20:08,800 Speaker 2: that's actually a question. Hawkog's nice shows always someone hits 367 00:20:08,800 --> 00:20:12,240 Speaker 2: a cow. The cow damaged my car. Repairs costume over 368 00:20:12,280 --> 00:20:14,400 Speaker 2: thirty thousand, and I have insurance. I asked the other 369 00:20:14,480 --> 00:20:17,760 Speaker 2: driver to pay the access and they are refusing. Okay, 370 00:20:17,840 --> 00:20:19,840 Speaker 2: let's see if we're going to get that question answered 371 00:20:19,840 --> 00:20:20,920 Speaker 2: before we run out of time. 372 00:20:21,200 --> 00:20:24,480 Speaker 3: Warren't sorry we lost you there. You were saying yes. 373 00:20:24,600 --> 00:20:31,960 Speaker 1: So I was just saying that, okay, it was the 374 00:20:32,160 --> 00:20:34,400 Speaker 1: lane next to you to overtake the viacle in front 375 00:20:34,400 --> 00:20:37,960 Speaker 1: of you and then keep left again. Unfortunately, in South 376 00:20:38,000 --> 00:20:43,080 Speaker 1: Africa we drive the motown. I was people will getting 377 00:20:43,119 --> 00:20:45,199 Speaker 1: to the fast lane and it's exactly that it's a 378 00:20:45,240 --> 00:20:49,640 Speaker 1: fast lane. We need to move okay, and that that's 379 00:20:49,680 --> 00:20:52,080 Speaker 1: one of the first rules of fundamentals in your K 380 00:20:52,240 --> 00:20:55,360 Speaker 1: firsty three, which is keep left past light. So what 381 00:20:55,400 --> 00:20:57,600 Speaker 1: I was saying is when you're over taking a viacle 382 00:20:57,680 --> 00:21:00,920 Speaker 1: in front of you, never overtake on the lift. Overtake 383 00:21:01,000 --> 00:21:03,119 Speaker 1: on the right hand side because the driver is sitting 384 00:21:03,160 --> 00:21:05,399 Speaker 1: on the right inside. The driver can see you moving 385 00:21:05,440 --> 00:21:08,439 Speaker 1: across and coming around them and coming in front of 386 00:21:08,480 --> 00:21:11,320 Speaker 1: him right, So it's a safety thing. It's definitely a 387 00:21:11,359 --> 00:21:11,920 Speaker 1: safety thing. 388 00:21:12,200 --> 00:21:12,400 Speaker 3: Right. 389 00:21:12,920 --> 00:21:14,879 Speaker 2: We have a question before I did you go on? 390 00:21:15,560 --> 00:21:19,399 Speaker 2: Aby asks someone hit a cow. The cow hit my 391 00:21:19,640 --> 00:21:23,440 Speaker 2: car and it's going to cost thirty thousands to a pair. 392 00:21:24,000 --> 00:21:24,879 Speaker 3: I have insurance. 393 00:21:24,920 --> 00:21:27,439 Speaker 2: I've asked the other driver to pay the excess and 394 00:21:27,480 --> 00:21:30,320 Speaker 2: they are refusing, Please advise. 395 00:21:31,160 --> 00:21:33,880 Speaker 1: Well, him has just going from his insurance. His insurance 396 00:21:33,880 --> 00:21:36,640 Speaker 1: will claim from that third party. You'll get his excess back. 397 00:21:37,600 --> 00:21:38,400 Speaker 1: So simple as that. 398 00:21:38,560 --> 00:21:40,480 Speaker 3: So let's insured to handle it rather. 399 00:21:40,280 --> 00:21:42,639 Speaker 1: Than insured to handle it. You're going to fight a 400 00:21:42,760 --> 00:21:47,640 Speaker 1: losing battle there because the client, the persons and not 401 00:21:47,680 --> 00:21:50,240 Speaker 1: going to pay your excesses. So do you deal with 402 00:21:50,280 --> 00:21:53,240 Speaker 1: your stuff and say, well, yes, the person, yes, the 403 00:21:54,160 --> 00:21:56,920 Speaker 1: sap is doctor, this is what happened, this is everything. 404 00:21:57,320 --> 00:21:59,840 Speaker 1: Hand it over to insurance. Your insurance will deal with it. 405 00:22:00,040 --> 00:22:03,560 Speaker 1: You'll get your excess back because the insurance will claim 406 00:22:03,640 --> 00:22:07,560 Speaker 1: it from that individual. Right, they will go after that individual. 407 00:22:07,840 --> 00:22:10,200 Speaker 1: It might take some time, it's not going to happen overnight, 408 00:22:10,640 --> 00:22:12,280 Speaker 1: but you'll get your excess back. Right. 409 00:22:12,920 --> 00:22:14,639 Speaker 2: Warren is always a great place for having me on 410 00:22:14,640 --> 00:22:16,440 Speaker 2: the show. Thank you so much for your time this morning. 411 00:22:17,359 --> 00:22:18,199 Speaker 1: Thank you for having me. 412 00:22:18,400 --> 00:22:21,520 Speaker 2: That is our resident merging enthusiast, Warren Tucker. We may 413 00:22:21,600 --> 00:22:23,720 Speaker 2: need to do a part two of this conversation. There 414 00:22:23,720 --> 00:22:26,160 Speaker 2: were a number of questions we didn't get to, so 415 00:22:26,400 --> 00:22:29,320 Speaker 2: we may look at another follow up with Warren coming up. 416 00:22:29,520 --> 00:22:32,640 Speaker 2: Dtor Trpedo and I ended up in Norwood this week. 417 00:22:32,680 --> 00:22:34,600 Speaker 2: We were actually looking for ice cream, but in the 418 00:22:34,720 --> 00:22:38,120 Speaker 2: end we found a delicious piece of Ethiopia. So I'll 419 00:22:38,119 --> 00:22:41,040 Speaker 2: tell you about it in the food feature. But first, 420 00:22:41,080 --> 00:22:43,520 Speaker 2: it is twenty seven minutes before eight o'clock. Let's check 421 00:22:43,520 --> 00:22:45,199 Speaker 2: in with you laters out with this new sport with 422 00:22:45,280 --> 00:22:46,040 Speaker 2: underneath shader