17 December 2017

Learn more about airbags

Airbags are an important and effective safety device in your car. Statistics show that airbags reduce the risk of fatality in a head on collision by about 30%. Nowadays, we also have seat mounted and door mounted side airbags – and some cars have six or even eight airbags. The airbags deploy in the event of a crash, and provide cushioning for the driver and passengers in such a situation.

However, it is important to take note of the following, because while airbags are a vital safety feature in a vehicle, they can also pose a danger and/or may not function as expected under some circumstances.

  • Airbags are designed to prevent injury in the event of a crash, for people seated normally in a vehicle. Do not sit in the front passenger seat with your feet on the dashboard, and also – do not drive with your hands on the centre hub of the steering wheel – in both of these cases, the people seated in these positions could be injured by the deployment of the airbag.
  • Similarly, the airbag is designed to prevent injury to an adult sized person – so don’t seat children under age 13 or less than 153 cm tall in the front seat unless the airbag in switched off.
  • Don’t put anything in/on the surfaces of the vehicle that may prevent the deployment of the airbag, or may become a projectile if the airbag deploys. Examples of these types of things could be seat covers (for seat mounted airbags), magnets or phone holders and phones.
  • If your airbag becomes faulty and a warning light appears – don’t try to fix this yourself. Take your vehicle to a dealer or qualified mechanic.
  • If you have an aftermarket bull bar/roo bar fitted, be advised that this could affect airbag operation – make sure that the manufacturer has certified that the bar won’t affect the performance of the airbag system.
  • If your car should roll without actually colliding with anything, the airbags may not deploy unless your vehicle is fitted with a rollover sensor to detect the situation where your car rolls. So it is important when purchasing your vehicle, to check not only how many airbags there are and where they are situated – but also how many and what type of sensors the car has.

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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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