16 January 2018

Autonomous Emergency Braking

Autonomous emergency braking (AEB) and forward collision warning can stop your vehicle and avoid cars or obstacles ahead. In some cars the system operates only for lower speeds, and in others, a warning is provided to the driver if a potential collision is identified – this technology is applied differently in various vehicle makes and models.

The technology uses a sensor at the front of the car to judge distances and closing speeds between your car and other vehicles, objects or people. If it calculates that a collision is imminent, the car will apply brakes to stop or slow the car without any intervention from the driver.

This technology can avoid or lessen the damage caused by collisions due to driver inattention, fatigue or speeding – saving the lives of both the occupants of the car as well as other road users including pedestrians. The technology is programmed to act quickly – and reaction time is therefore more effective than even an attentive driver in the same situation, as most people are not used to dealing with critical situations and therefore don’t react quickly enough, or apply enough brake pressure to avoid a crash.

According to ANCAP (the Australian New Car Assessment Program), Australia’s independent vehicle safety advocate, low-speed AEB results in a 38 percent reduction in real-world rear-end crashes. The low-speed version – referred to by ANCAP as “AEB (City)” – usually consists of an automatic brake function that operates for speeds up to 30km/h or 50km/h.

According to Victoria’s Transport Accident Commission, AEB can avoid 35 percent of all rear-end crashes and mitigate damage in 53 percent of rear-end collisions.

Clearly AEB has tremendous potential to reduce injuries and costs associated with crashes.

As stated at the start of this article – not all AEB systems work in the same way. Some will not prevent a crash but will only slow down the vehicle thereby lessening the severity of the impact. It is important to note that no two systems are the same – there will be differences in the hardware used (cameras/radar/lasers) as well as the speeds at which the systems become effective. It is therefore really difficult to compare AEB systems between models – however, if you are in the market for a new vehicle, at least understand whether the models that you are looking at have AEB capability, and if so, to what extent.

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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.

For help organising your next steps, read our car accident insurance claim checklist and explore accident replacement vehicle options.

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

Updated 6 October 2026.

When an insurer declares a car a write-off, it has assessed the vehicle as a total loss under the policy. The damage may make repairs unsafe, or the cost of repairing the car may make a repair uneconomical. A write-off does not always mean the car is visibly destroyed.

How is a write-off decision made?

The assessment can take account of the vehicle's value, repair costs, salvage value and the policy terms. There is no single repair-cost percentage that determines every write-off across Australia. Ask the insurer for its assessment and the basis for its decision.

A total-loss insurance decision and a vehicle's written-off registration category are related but different matters. Whether a car can return to the road depends on the damage classification and the rules of the relevant state or territory.

Statutory and repairable write-offs

  • Statutory write-off: the vehicle meets specified damage criteria and cannot be re-registered for road use.
  • Repairable write-off: repairs may be technically possible, but the vehicle has been assessed as uneconomical to repair. This label does not itself authorise repairs or guarantee re-registration.

Requirements vary across Australia. In NSW, an eligible written-off light vehicle needs an Authorisation to Repair from Transport for NSW before work begins. Only limited applications are considered, and vehicles with statutory write-off damage are excluded. Approval, compliant repairs and the required inspections are separate steps.

What happens to your insurance payout?

The settlement depends on your cover and circumstances. It may be based on an agreed value, a market value or a replacement-vehicle benefit if your policy provides one. An excess, outstanding premium or finance arrangements may affect the amount you receive. Ask for a written breakdown before accepting the settlement.

Keep the assessment, photographs, policy documents and correspondence together. If you disagree with the valuation, provide relevant evidence and use the insurer's complaints process. See AAMI's explanation of total-loss claims for an insurer's example; your own policy determines your cover.

Getting around after a not-at-fault accident

If you need a replacement vehicle, tell Carbiz that your car has been declared a write-off. Eligibility, vehicle availability, the hire period and the terms of the agreement need to be confirmed for your circumstances. A write-off does not automatically entitle everyone to unlimited hire.

Contact Carbiz to discuss your accident replacement vehicle options. For a practical checklist, read what to do after receiving a write-off decision.

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