12 October 2017

Carjacking

The term carjacking is commonly understood as vehicle theft involving threat, violence or intimidation. Currently, 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.

 

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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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