7 November 2017

What do airbags do?

Prior to the 1980s, seat belts were the only form of passive restraint in our cars, and statistics have shown that the use of seat belts has saved thousands of lives.

In the 1980s the first commercial airbags appeared in motor vehicles. 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.

But how do they work? We know that moving objects have momentum, and cars consist of several objects, including the vehicle, loose objects inside the vehicle and of course, the passengers. When a car is stopped by a collision, the vehicle itself may be stopped, but the other objects inside the vehicle will continue to move at whatever speed the car was travelling, until they too are stopped by the body of the car or the windscreen. When a car crashes, the car’s momentum is changed instantly, but the passengers’ momentum has not changed. The goal of the seat belts and also the airbags is to help to stop the passenger’s momentum while doing as little damage as possible.

SRS airbags supplement the restraining action of the seat belt, and provide a barrier that can reduce the severity of head injuries in a crash. These types of airbags are now standard in most new vehicles, and are located in the hub of the steering wheel (driver airbag), in the dashboard above the glove compartment (passenger airbag), and side airbags are located in the door panel or seat. Curtain side airbags are located above the side doors.

During impact, sensors in the vehicle detect the sudden deceleration. A strong enough impact will initiate a flow of electricity to the inflator which will light the gas generator and the airbag will inflate in milliseconds into the space between the driver and the steering wheel, or between the passenger and the dashboard and between the side door and the driver/passenger. The bag will then deflate quickly when the gas escapes through vent holes or through the fabric – absorbing the energy of the driver/passenger when this occurs.

These days some airbags have different levels of inflation depending on the speed of impact and the distance between the driver and the steering wheel.

It is important to know that certain types of collisions, such as a rear-end collision, or if your car should roll without actually colliding with anything, may not cause the airbags to deploy unless your vehicle is fitted with a rather sophisticated sensor system, and specifically rollover sensors 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.

Also important to note is that the front passenger airbag should be set OFF if you have a child under the age of 13 or a person less than 153 cm tall in the front passenger seat.

For related reading, see our guide to ANCAP safety ratings and tips for getting familiar with a different car.

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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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