12 December 2017

Lane Etiquette

Do you know how to safely merge, change lanes and enter a freeway – or are you that driver that causes gritting of teeth and frustration for other drivers as they ever so slowly sail onto the freeway to the sound of screeching brakes behind them?

Situations such as this can be the cause of very serious accidents – if the driver behind is not alert and able to react in time.

Some drivers are just, to put it plainly, inept – while others may interpret the rules of the road differently and unintentionally.

In Australia, we have two different types of merge. Firstly, the dotted line merge, which is when a lane comes to an end, and a dotted line separates the end of the lane and the entry into the next lane. This is like the highway onramps and offramps. In a dotted line merge, the car in the lane with the dotted line has to give way to the cars in the other lane. This means that even if you are a nose ahead of the car in the adjacent lane – you need to slow down and give way to this car. From an etiquette perspective – if you are the driver in the lane into which the dotted lane car is merging – it is really polite to speed up or slow down to make room for this driver. If you are merging, match the speed of the cars in the lane that you are merging into – don’t try to enter a freeway doing 40 km/h – you will be an accident waiting to happen. Try not to stop in the merging lane especially when you enter a freeway – you need to achieve the speed of the cars travelling on the freeway safely, within the distance available to you, without losing momentum while also timing the availability of a gap in the cars that you will be able to get into.

The other type of merge is where two lanes become one, and the dividing line stops. In this case, whoever in in front has right of way. Good etiquette in this situation is to take turns to merge – like a zipper.

As far as changing lanes is concerned – keep left and overtake right on multilane roads. On a highway, make sure to use the fast lane for overtaking and move back into the slow lane when safe to do so.

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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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