This article has done a carding of how to deal with a car accident in Australia (taking Kunzhou as an example). If you have any questions, you can also find me through the contact information at the end of the article.
1. What should I do in the event of an accident?
First of all, it is important to judge if anyone is injured. If someone is injured, call for help quickly by dialing $000. If no one is injured, they begin to communicate with each other's drivers and get the following information: take pictures of the other driver's license, ask the other driver's mobile phone number, copy the other driver's license number, the brand of the car and the price of the car; If the driver is not the owner, ask the driver for his name, home address and telephone number; write down the address of the accident and take a photo at the scene; if a witness sees the accident, leave the contact details of the witness.
So, do you have to wait for the police to come to the scene?
To reduce traffic congestion, you may not have to wait for the police at the scene of an accident in Kunzhou from January 1, 2015. If you find that the driver of the other party refuses to provide identification and exchange information, there are casualties, dangerous goods, drunk driving or poison driving of the other driver, if you find that the driver of the other party has refused to provide the identification and exchange of information.
If you have fulfilled the above requirements, you can leave the scene.
2. What should I do after the car accident?
- Police: if the police do not come to the scene of the accident, as a side of the accident, you are also obligated to report to the police within 24 hours. Reporting can be done online, by calling Policelink 131444, or by going to the police station near the car accident address. Remember to leave the QP Numberwhen you report the case!
- Repair: if a car is damaged after a car accident, it is usually to be borne by the party who caused the accident or its insurance company.
- Doctor: if you feel unwell after a car accident, you should go to GP in time for medical treatment.
- Reporting insurance: reporting insurance is an important part of the car accident, the following part of the insurance will be introduced in detail
3. Is my car insured?
Automobile insurance can be divided into: vehicle insurance and third-party compulsory life insurance (CTP), which are two relatively independent insurance categories.
1) vehicle insurance
As a result of a car accident, if you want to repair the car through the insurance company, this is what we usually call car insurance.
Car insurance falls into the following two categories:
- Auto Total Insurance (comprehensive insurance)
- Third-party property damage insurance (third party property damage insurance)
Car insurance is not to buy a car, but to sign a separate insurance contract with the insurance company. After you have car insurance, you only need to pay the assessment fee to repair the vehicle through the insurance company. Please note that car insurance does not cover personal damage due to traffic accidents.
2) third-party compulsory life insurance (CTP)
From the name of this kind of insurance, CTP insurance has two characteristics, one is mandatory, the other is personal relevance.
Mandatory, means that all cars must have this insurance, insurance is included in the car's annual inspection fee (rego). In other words, when your car pays the annual inspection fee, you have purchased the CTP insurance. The personal relevance of the CTP insurance means that the insurance is only responsible for personal damage caused by traffic accidents and related economic losses. There is no insurance against the vehicle itself that received damage in the car accident. CTP insurance claims are much more complex than car insurance.
4. The premise of CTP Insurance claim settlement
- You were in a car accident.
- You're not the wrong person in the car accident.
- The car accident hurt you.
- Because of your injury, you suffered financial losses.
Here comes QA!
1) what if I am the cause of the accident?
CTP insurance does not cover the accident party. But if the passenger in the culprit's car is injured, it can be settled by CTP.
2) is it possible to settle claims in any car accident in Australia?
Tort law is state legislation, each state regulations are different, claims conditions have similarities and differences. So, please consult your local lawyer.
3) does every car have a CTP?
Only if Rego is valid will vehicles be covered with CTP. If the Rego expires, the CTP insurance expires.
4) Rego is out of date, so can't it be settled without CTP,?
It's not true. Even if the CTP expires, the victim can still make a personal injury claim. Just not to the CTP insurance company, but to Nominal Defendant (Queensland for example). Nominal Defendant is actually a goverment department, in personal injury claims and CTP insurance companies play the same role.
5) if the hit-and-run driver escapes, can the claim be settled?
In the event of such a situation, the cost of repairing the car may have to be borne by the injured party. And the personal injury part, can still be compensable, at this time the object of the claim is still Nominal Defendant.
6) what kind of injury does it take to settle a claim?
This is a matter of life and death。 Many people said they were fine after the accident, because many car accidents did not result in obvious injuries such as injuries and fractures, but in fact, after a car accident, many people will feel shoulder and neck ache and their attention is not focused, but in fact, after a car accident, many people will feel shoulder and neck pain and lack of concentration. In fact, this kind of injury is also very common in CTP claims, that is, if (whiplash) has this feeling, please go to GP in time for medical treatment and contact your lawyer.
7) is there a time limit for applying for CTP claims?
Yes。 Victims are usually required to file claims with the CTP insurance company within nine months of the accident, or within nine months of the first appearance of the injury. If you apply to the Nominal defendant referred to above, you must submit your claim within 3 months of the accident. If you consult with a lawyer, you must submit a claim settlement within 1 month after the consultation.
Finally, attach my contact details, if you have a traffic accident, industrial injury and other accidents, please contact me through the following way.
Boan and law firm
Lawyer Wang Yu
WeChat code: brisbanesolicito
Line number: brisbanesolicito
Contact: 0424 380 725