Motorists urged to consider accident protocol over Easter weekend

With a total of 203 recorded deaths as a result of fatal motor accidents during the 2011 Easter weekend alone - almost double the 105 reported deaths in 2010 - it is vital that all South African motorists practise safe driving and ensure their motor vehic

This is according to Nazeer Hoosen, Executive Director of PPS Short-Term Insurance, who says every year the roads become incredibly congested during the Easter period, significantly increasing the likelihood of motor vehicle accidents occurring. “Before embarking on any holiday trip, it is essential to ensure motor vehicle insurance cover is in place to protect against any unforeseen events.”

“In the unfortunate event of an accident the motor vehicle must be stopped immediately and the driver, or passengers, should check for injuries and fatalities, as well as damage to any third party. After establishing the wellbeing of those involved, it is important to call the police and other emergency services to inform them that an accident has occurred. Until the police arrive it is crucial that any vehicles involved in the accident are not moved and, if possible, anyone with injuries is also not moved.”

Hoosen says during this time it is also important to stay calm and obtain as many details as possible from the other party. “These include the make, model and registration of the vehicle as well as the driver or owner of the vehicle, including their identity number, telephone numbers, postal address, email address, employer and insurance company details.”

“Before the car is towed away, it is advisable to take photos of the scene with a particular focus on the damaged vehicles and property as evidence for insurance claims.”

Hoosen says it is essential to report the accident to the nearest police station and provide the insurance provider with full details of the accident including the Accident Report number obtained from the police. “Do keep emergency numbers at hand at all times as some insurance providers offer 24/7/365 Roadside and Home assistance as a benefit.”

“Even though it is not always possible to prevent an accident occurring, by taking the necessary precautions and ensuring insurance cover is up-to-date before embarking on the journey and being aware of what to do if an accident does occur, one can help to limit the consequences,” concludes Hoosen.

He says it is also a good idea to make sure the vehicle is in a roadworthy condition by performing some simple safety checks before taking off. “Some examples of safety checks include: checking the tyre tread is at its legal 2mm and the pressure is correct for the vehicle; inspecting the brake fluid, oil and water; ensuring all lights (front and rear) are in working order; and making sure the driver fully understands all the warning lights in the vehicle. Not only do these safety checks ensure the safety of all passengers, they also protect against a possible insurance claim repudiation which could occur should the cause of an accident be determined as a result of an un-roadworthy vehicle.”

Hoosen says if consumers are planning to travel outside the country for the holiday it is crucial they inform their insurance company beforehand. “Some insurers do not provide cover for vehicles when travelling outside of South African borders; therefore it is advisable to speak to the insurance provider beforehand to establish whether the vehicle will be covered.”