14 November 2017

Emergency Car Kits Are Important – What to Keep In Your Car

Most of us spend a fair amount of time driving in our cars on a daily basis. We can’t always prevent breakdowns or accidents, but we can be prepared by keeping a few important items in our cars that will help in the event of an emergency.
Make sure that you have your licence, registration, insurance papers, car manual and roadside assistance information on hand. Add a pen and some notepaper should you need to write down details after an accident, and you are good to go.
A basic tool kit and/or multi-tool will come on handy if you need a screwdriver, a pair of pliers of a pair of scissors.
Wire and duct tape will help with workaround repairs such as reattaching an exhaust pipe or holding body panels or bumpers in place after an accident until you can get to a garage for proper repairs.
WD-40 spray lubricant – while duct tape helps with things that move when they shouldn’t, WD-40 can help with things that don’t move that should.
A first-aid kit will help you to deal effectively with any minor injuries or accidents.
LED flares and reflective triangles will help during a breakdown at night, when it is vitally important for other motorists to be able to see you.
A torch and spare batteries will help you to see things at night – don’t rely only on your phone.
Keep a travel map of Australia in your car, for those times when technology fails you.
Food and water – things like nuts, muesli bars, jerky and dried fruit will travel well and will last for a while. In the city, this could be a convenience – but in rural areas this could be the difference between life and death if you are stranded for a long period of time, in summer.
Face wipes will come in handy whether you are in the city or in the bush. In addition to being used to clean up after eating in the car, they are an essential if you are transporting children. They will also help tremendously if you need to clean up after tinkering in the engine or changing a tyre.
Always keep a spare phone charger and power bank in your car – and even a spare basic phone fully charged, would be a great backup should your primary phone fail.
A spare tyre, full size, in good condition and inflated to the correct tyre pressure is an essential to carry in your car, together with a tyre changing kit. Tyre inflators and sealers are also useful should you get a puncture. Many manufacturers supply a space saver spare as standard equipment – this will do in urban areas to help you get to the nearest garage – but if you are in rural areas, especially on roads that are not tarred, it probably won’t get you as far as you need.
Jumper cables can get you going again if you experience a flat battery. Remember positive to positive and negative to negative – having jumper leads handy can help you or another stranded motorist.
Coolant and water – if you are going on a long journey and your car overheats, you will be glad that you packed these.
Put an umbrella or rain proof jacket in your car, to make sure that you are covered for those unexpected rainstorms. Along these lines, sunscreen and a hat – in case you are stranded in the heat.

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What To Do If Someone Hits Your Parked Car

Coming back to find your parked car damaged is never fun, but knowing how to respond correctly can save you time, money and stress.

Firstly, understand that getting upset is natural, but taking a deep breath will help you make better decisions. Examine your car thoroughly and document any visible damage, taking multiple photos from different angles, including close-ups of dents, scratches or broken parts, and capturing the surrounding area, such as road signs and markings, for context.

Next, see if you can locate the driver responsible. Sometimes, people leave a note with their contact information and insurance details. If there’s no note, look for witnesses nearby who may have seen what happened. You can also check for CCTV from nearby businesses, homes or on the street, as some areas have coverage. If you’re unsure, consider contacting the local council to find out whether cameras are in place that might have captured the accident.

If the driver didn’t leave a note, or if they did but are unresponsive or the information they provided seems incorrect, contact the police to report the accident and provide all the information you have, including photos, footage and witness statements. Be sure to request a copy of the police report, as it can be useful when dealing with insurance.

If you’re still having a hard time getting a hold of the at-fault driver and therefore cannot claim directly through their car insurer, it’s time to lodge a claim with your own insurance provider, if you have one. Provide them with as much information as possible, including the police report. From there, your insurer can determine whether your coverage, along with the information you have, will cover the damage to your car.

If your car insurer happens to find information about the at-fault driver and is able to have them lodge a claim so the costs of the damage are recoverable, you can contact Carbiz for a replacement car while your car is being repaired or until it’s been deemed a total loss. This ensures you’re not left without a car during this time, giving you peace of mind and the ability to keep your life moving.

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What It Means When Your Car Is Declared A Write-Off After An Accident

If your car has been involved in an accident, you may hear the term “write-off” from your insurance company or repairer. But what does it actually mean when your car is declared a write-off? Understanding this process can help you make informed decisions about your car, repairs and costs.

A car is considered a write-off when the cost to repair it after an accident is too high compared to its market value. Insurance companies often calculate the repair cost and compare it to the car’s value prior to the accident. If the repair cost is more than a certain percentage of the car’s value, typically around 60–75%, the car may be classified as a write-off. This doesn’t always mean your car is completely destroyed; sometimes the car could technically be repaired, but the cost would outweigh the benefits.

There are different types of write-offs. A total loss write-off is when the car is so badly damaged that repairing it is not financially viable. A repairable write-off is when the car can be fixed, but it requires significant repairs. In either case, the insurance company will usually pay out the car’s value at the time of the accident, minus any applicable excess or deductions.

The cost implications of a write-off can vary. If your car is declared a write-off, you may need to consider the cost of replacing it with another car. Some car owners opt to keep a repairable write-off, but this comes with the added repair costs, which can be substantial depending on the extent of the damage. Repair costs can quickly add up, especially if the accident involved structural damage or expensive parts.

It’s also important to understand that a car that has been written off may have a lower resale value even after repairs. Future buyers often view written-off cars as higher risk, which can affect the cost of insurance and overall value.

If your car is declared a write-off after an accident, speak with your insurance provider to understand your options. You may receive a payout for the car’s value, and in some cases, you can negotiate repair costs or even retain the car if it is repairable. Knowing what a write-off means, how it affects repair costs, and how it impacts the car’s value can save you time, money and stress after an accident.

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