12 October 2017

Carjacking

The term carjacking is commonly understood as vehicle theft involving threat, violence or intimidationCurrently, there isn’t a standard way of recording carjacking incidents in Australia, and carjacking seems to reflect in a relatively small percentage of vehicle thefts in Australia.

 

Carjacking motivations could be to sell the vehicle, to acquire a means of transportation or even to commit another crime such as armed robbery.

 

Carjackers operate in a number of different ways, all of which typically involve the use of a weapon and the threat of violence:

 

  • Targeting moving vehicles by tailing and stopping a vehicle, or intentionally bumping a vehicle from behind to get the driver to stop and exit the vehicle.
  • Stationery vehicles can be targeted where the driver has stopped at a petrol station, traffic lights, car wash or automatic teller machine.
  • Vehicle owners can be targeted even if they are not at their vehicle. A driver may be followed and forced to hand over their keys.
  • Vehicles may be stolen during a home burglary, where the homeowner is forced to hand over the keys.

 

According to the available statistics, the incidence of carjacking as opposed to car theft is low, although Crime Statistics Agency data shows that nearly 200 incidents were reported in Victoria alone between April 2015 and March 2016. In Australia there were around 51 525 car thefts in 2015 and 56000 in 2016.

 

It is thought that modern security systems in cars are to blame for the increasing incidence of carjacking – as the theft of parked, locked cars is becoming more difficult. Carjacking is an easy alternative.

 

Prevention is all about being aware of your surroundings and alert at all times while using your car – especially when parked, or waiting at an intersection, traffic lights or in heavy traffic.

 

Always park in well-lit areas, where there are other people or traffic. Take note of any CCTV camera locations, people standing around nearby – and always have your car keys ready in your hand when you return to your vehicle. Check inside your car, including the back seat before you get into your car. Lock the doors as soon as you are in your car, and start the engine right away.

 

Drive with your doors locked and the windows closed, and don’t have valuables visible on car seats.

 

Keep your tank filled – you really don’t want to get stranded in a strange or unsafe location.

 

According to the statistics, parking areas, work places, roads, driveways and service stations are the riskiest carjacking situations in descending order of risk.

 

If you are in the unfortunate situation of a carjack – keep your hands visible and exit the car quickly. If you have children inside the car – inform the carjacker clearly – most carjackers want the car, not your children, and don’t want to be involved in a kidnapping crime.

 

You may find these interesting

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.

Read more
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.

Read more