What to Do and How it All Works

Being in a car accident can be stressful, confusing and sometimes frightening. But, knowing what to do in those crucial moments can help you feel more prepared and have peace of mind about what to do next. Whether you’re insured or not, here are some practical tips on how you could navigate a car accident.

 

What to Do Immediately After an Accident

1. Safety First

If there are any injuries, a fire, or the scene is dangerous, if you are in Australia call 000 immediately. Once it's safe, you can move onto the next steps.

 

2. Exchange Details

Swap information with the other party/parties involved in the accident, including:

  • Full name and contact number
  • Driver's licence number
  • Vehicle registration
  • Insurance details - ask for:
  • The name of their insurer
  • Their policy number
  • The expiry date of their policy
  • A contact number for their insurance provider

 

Capture clear photos of:

  • Damage to all vehicles involved
  • Number plates
  • Road conditions and surroundings

This documentation may support your timeline of events and may be important for your claim.

 

4. Record the Incident

Write down key facts like:

  • Date and time
  • How the accident occurred
  • If there are any witnesses, get their names and contact information

Maintaining detailed and accurate records may assist in your claim.

 

5. Know your Next Steps

  • Insured: Call your insurer ASAP. Your insurer may be able to guide you through the process.
  • Uninsured: Without insurance, you may need to discuss costs directly with the other driver(s) or seek legal advice to understand your rights and responsibilities.

 

What is Insurance Excess and How does it Work?

An insurance excess is the amount of money you agree to pay out of your own pocket when you make a claim on your insurance policy. Learn More.

  Insured* Not Insured
If You’re at Fault
  • Notify your insurer ASAP.
  • Pay excess (check your policy and speak to your insurer to understand related costs).
  • Repairs:
    • Comprehensive: Can cover damage to your vehicle and the other party’s property, depending on your policy and the situation.
    • Third Party: Can provide cover for damage to another person’s property if you're responsible for an accident.
  • Insurer assists with the claim.
  • You may be required to pay for all damages.
  • You may need to negotiate directly with the other. party/parties
  • Legal help may be required.
If You’re Not at Fault
  • Notify your insurer.
  • Excess may not be required (dependent on your relevant policy).
  • Depending on the situation and your policy, your insurer may assist in recovering costs from the at-fault driver.
  • You may need to pursue the at-fault. party/parties for damages.
  • May need legal or dispute resolution services.

* Each insurance policy may have different inclusions, exclusions and costs associated. Refer to your insurer and policy documents.

 

What if it is Unclear Who is at Fault?

In some accidents, it may not be immediately clear who’s at fault. In these cases, insurers and other involved parties may investigate the circumstances using available evidence such as dashcam footage, witness statements, or police reports. You may still be required to pay an excess payment, which could be refunded later if you’re found to be not at fault, depending on your insurer and policy.

 

Understanding Your Car Insurance Options

Regardless of whether you're currently covered or not, it may be important to understand your insurance options moving forward. Here's a quick breakdown of the general types available in Australia:

 

1. Comprehensive Insurance*

Provides broad protection that typically includes:

  • Damage to your vehicle from accidents (regardless of fault), theft, fire, vandalism, and weather events.
  • Coverage for damage you cause to other people’s vehicles or property.
  • Optional extras like rental car cover, towing, and windscreen repairs may be available.

It is always best to review the Product Disclosure Statement (PDS) and comparing policies to ensure the cover suits your needs. Learn More.

 

2. Third Party Fire and Theft*

Generally, covers:

  • Damage you cause to other people’s vehicles or property
  • Theft or attempted theft of your own vehicle
  • Fire damage to your vehicle

This policy does not usually cover damage to your own vehicle from accidents or weather-related incidents. Learn More.

 

3. Third Party Property Damage Insurance*

Typically provides:

  • Damage you cause to other people’s vehicles or property
  • Legal liability related to these damages

This policy does not cover theft, fire, or damage to your own vehicle.

 

* Each insurance policy may have different inclusions, exclusions and costs associated. Refer to your insurer and policy documents.

 

Need Help Finding Insurance That Fits Your Needs?

Together with our insurance partner CGU, we are here to help. We can walk you through your options and assist to cover what matters most. Contact us or visit your nearest branch to learn more.

 

 

Disclaimer: This information provided in this article is general in nature and does not take into account your personal circumstances. Before making any decisions, please review the relevant Product Disclosure Statement (PDS) to understand what’s covered and whether the product suits your needs; and seek your own advice.

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