14 December 2017

What is pedestrian protection and how does it work?

There are many articles written about car safety – with the majority of these articles focussing on the safety of the driver and passengers inside the vehicle. But what about the person walking, running or jogging on the roads? Pedestrians account for about 18% of road deaths, and as our roads are become increasingly more congested, pedestrian safety needs to become a focus area. Pedestrians struck by the front of a vehicle account for the majority of pedestrian fatalities.

While there are no Australian regulations which apply specifically to the pedestrian ‘friendliness’ of vehicles, ANCAP, the Australian New Car Assessment Program has aligned its crash test and assessment procedures to the European Experimental Vehicles Committee’s (EEVC) component tests representing the three most important mechanisms of injury for pedestrians : head, upper legs and lower legs. In the ANCAP tests, up to 42 points are allocated to results relating to adult and child simulated impacts in the areas of the bonnet, windscreen and front of the vehicle.

Car manufacturers are increasingly employing techniques such as crumple zones and deformable structures in order to lessen the possible injury to a pedestrian on impact. Another technology that is emerging is that of the active bonnet. In the event of a collision an active bonnet system will  cause the bonnet of the car to lift by a few millimetres as soon as contact with the font bumper is detected – allowing some space between the engine which will cushion the impact of a person.

Mercedes has recently filed patents for a safety system that applies the principle of airbags on the outside of the vehicle, with airbags fitted in the A-pillars which will deploy on impact, effectively cushioning the impact of a person.

These technologies focus on lessening the impact of a collision with a pedestrian – but obviously, first prize would be to avoid this situation entirely.

One safety system which helps to avoid a pedestrian collision is auto emergency braking (AEB) and forward collision warning which can stop your vehicle and avoid  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.

Into the future, we can expect that systems that rely on vehicle-to-vehicle communication will start to be deployed – using other vehicles nearby to relay information that alerts the driver to road hazards, including pedestrians. It is to be expected that, with advances in technology such as this, pedestrian road fatalities can be dramatically reduced in the future, in spite of our ever increasingly congested roads.

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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.

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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.

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