road safety

Car accidents and making that emergency call!!

Car-insurance-and-Making-that-Emergency-CallOn the Car Insurance Blog we not only provide advice on finding affordable and the correct car insurance, but also assist our vehicle owners with information about safety on the road. This also includes advice on how to protect yourself in the event of the unfortunate road accident.

Once an accident has occurred it is often a race against time to protect the lives of the accident victims. This first hour or “golden hour” after an accident is most important – and we would like to advise vehicle owners on sharing the correct information in their emergency calls!

What do we need to know about making that emergency call?

There is always the question of why call takers in the emergency service industry ask so many questions; and when do they actually dispatch emergency resources to the scene of an accident or other emergency.

When you are faced with a medical emergency and require realhelprealfast you can phone 084 124 on 084 124 for fast and efficient emergency response.

When you place a call through to the ER24 24/7 Contact Centre, an automated voice response will greet you and identify the line as ER24 Emergency Services, this takes about five seconds.

The first available emergency call taker will then answer your call and request certain details of the incident in order to dispatch the correct resources to the scene.

The following information is essential for fast and effective emergency resource management:

* Identify yourself and provide a call back number
* Clearly state the nature of the emergency and how many people were involved.
* Provide an address of the incident:
* What is the name of the road where this incident took place?
* What is the building name or number where this incident took place?
* What is the closest cross road?
* What is the suburb?
* What is the province?

Callers should keep in mind that we are a national Contact Centre and therefore require the province and suburb names in order to clearly map the incident.
ER24’s Immediate Dispatch system is able to dispatch vehicles to the incident whilst the call taker is still on the line. Thus the call taker can keep on talking to the caller to reassure, calm or provide medical advice whilst an ambulance is already en route to the incident.

[Information provided by ER24]

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2009 Crash Report confirms threat of young drivers to Road Safety

Crash-Report-Road-SafetyWe have written quite a bit on the Car Insurance Blog about the risks that young drivers pose to road safety and , perhaps more importantly – how these younger drivers struggle to find affordable car insurance!

The younger male drivers are perceived to be the greatest risks to road accidents and car insurance claims, hence the more expensive car insurance premiums they have to pay!

It is however often difficult to find factual evidence of these risks. This is why the 2009 RTMC Crash Report makes such interesting reading. The Road Traffic Management Corporation compiles this report from all the fatal crash statistics gathered by the various police stations in South Africa.

It is most important to remember that this Report is a Fatal Crash Report – and reports on accidents where there have been road deaths. This will not reveal all the minor fender bender accidents which might also have resulted in car insurance claims – but focuses on fatal accidents.

2009 Crash report: Fatalities per Age Group and Gender

fatalities per genderThe percentage of fatalities per age group and gender for the year 2009 (only for the cases where this information is available) are reflected in the graph below.

fatalities per age and gender
The above information shows that in the order of 76,20% fatalities during 2009 were male and 23,80% females. 92,54% of all drivers killed in crashes were male and 7,46% female.

It is alarming to find that so many more fatalities are that of male drivers and passengers. This strongly supports the argument by car insurers that younger male drivers are more irresponsible – and their female counterparts are much safer drivers!

This is also strong report for the finding referred to in an earlier blog post that there are significant differences in the accidents caused by male and female drivers!!

Also view:

2009 Fatal Crash Report for South Africa

Young Drivers and Car Insurance

Female Drivers and Car Insurance

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Drinking and Driving increases car insurance claims

Drinking and DrivingOn the Arrive Alive website we have given much attention to the dangers of impaired driving! Too many fatal accidents have been caused by intoxicated drivers. Many more of these accidents are fortunately not fatal but have lead to car insurance claims– and could have been prevented were it not for the reduced driver reactions as a result of intoxicated driving.

Many visitors to the car insurance blog have enquired about accidents caused by drunk driving – and asked the question whether car insurance companies will settle these claims.

The truth is that a car insurance claim will not be settled if there is proof that the driver has been drunk.

A car insurance policyholder should be aware that he is obliged under the car insurance policy to operate the vehicle within the Rules of the Road. If he does not obey the Rules of the Road, he will be in breach of his part of the agreement under the car insurance policy – and cannot expect the insurer to settle the claim.

Unfortunately it is also true that we do not have enough testing for drunken driving – and most accidents that are not serious do not result in testing for breath and blood. Too many accident claims are made “the morning after” – and will never involve disclosure of whether the driver had a few drinks.

Even though this will amount to car insurance fraud, many vehicle owners get away with these claims, receive payment from the car insurers and continue with their irresponsible behaviour. The effects of these claims are felt by other vehicle owners who are threatened by sharp rising car insurance premiums!!

We would like to urge vehicle owners and road users to drive responsibly – and to perform self-testing! Buy yourself a breathalyzer to keep in your vehicle and to test whether you are driving within the limits!!

Also view:

Car Insurance and Drunk Driving

Breathalysers Campaign: the parent’s way to protecting loved ones

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Pay close attention to safety when driving near level crossing!!

Written on August 25th, 2010 by jonckie@arrivealive.co.za
Categories: Car Accidents, Safe Driving Tips, road safety

IMG_3781

Many families were left without a beloved child when a train crashed into a minibus in Cape Town earlier today!

Preliminary investigations into the accident that killed nine schoolchildren in Blackheath, just outside Cape Town on Wednesday morning indicate that the driver of the minibus they were travelling in tried to cross the train tracks while the boom was down, say police.

We would like to urge all our road users to pay attention to safe driving near Level Crossings. [Photos provided by ER24]

Also view:

Road Safety and Level Crossings and Road Safety

IMG_3784

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Pay As You Drive recognizes variety of risks on our roads!!

SnipImage(16)

Pay As You Drive car insurance is often described as the best car insurance product for people who travel less. We have given much attention to how life changes affect the way and the distance that we drive – and Pay As You Drive or “distance based” insurance recognizes that travelling less results in reduced risks to vehicle accidents.

But what are these risks and contributing factors to road accidents?

I have found a nice illustration of road safety risks in the Eastern Cape – this graphic illustrates clearly many of these risks. We can categorize them in three groups:

• Human Factors
• Vehicle Factors
• Environmental Factors

stats

When a vehicle owner does not drive that much – he /she is less likely to be exposed to many of these risks – such as large animals and antelope crossing the road, driving around sharp bends in mountain passes etc.

We would like to invite visitors to view the RTMC Crash Report for 2009 to gain an even greater understanding to the causes and contributing factors of road crashes in South Africa.

If you believe that you are seldom exposed to all these road safety risks since you don’t drive long distances – perhaps it is time to have your car insurance reflect reduced risks with reduced car insurance premiums!!

B21 Hollard_PAYD_450x60

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More should be done to avoid elderly driver accidents

SnipImage(16)On the car insurance blog we have given some attention to the increases car insurance premiums payable by the elderly. Elderly drivers have seen their car insurance premiums increasing significantly as they get older than 65 – and more should be expected from medical doctors and family members in either removing their driving privileges or their need to drive.

On the Arrive Alive Website we have developed a section “Road Safety and the Elderly”, and a visitor commented on this content. We would like to share this email:

“I have just read the extremely informative and well balanced article on elderly drivers. In the mid-seventies my wife and I witnessed the death of a young student (motor cyclist) on Ridge Road,Durban. The driver of the car was an elderly man who walked around, peering over the top of his glasses, saying he did not see him. He did not stop at the stop street!! In court he requested that he may need his licence as he travels all over Natal for the Lawn Bowls association. (Agreed to).

The next incident was my father-in-law who decided he was on his “normal” route home and was crossing an intersection guarded by a 4 way stop. It turned out to be a Traffic Light and Dad intersection and Dad “took out” a full taxi. As a result of this my mother-in-law was left paralysed from the waist down. I negotiated with the SAPS vehicle unit to tell Dad that he was to be charged with Reckless or Negligent driving and would have to appear in Court UNLESS he was prepared to hand in his licence voluntarily. At the age of 85 with a distinguished war medal and a clean working record on the Durban Corporation he could not stand the thought of going to court and having a record. The licence was handed to the SAPS officer who then gave it to me outside the house. They said they had n authority to remove his licence but were quite satisfied that I had it.

The 3rd incident was my own Mother aged 83 and driving a VW Fox which was more than 15 years old. Mom phoned me to say she had just come from the eye specialist as she had a problem with her one eye. He had advised her that she had a stroke and the eye was permanently blind. I asked her if she had stopped driving – no se could still see out of the other eye. The next time we visited the left side of the car had so many bumps and dents you could hardly recognise the car. I the meantime she had gone to have her licence renewed. She passed the test and received her new licence for 5 years ??? I went with her to the eye specialist only to find out that my Mother’s TOTAL vision was 16% and the doctor asked her if she had followed his advice and sold her car. I immediately advertised her car for sale and asked her to give me her licence – she complied but would not speak to me for months.

The underlying factor – should family take this responsibility or should there be a line that can be used requesting a retest of a person. I understand that some people are more competent than others of the same age but, if this is so, why have we set a minimum age for someone to get a licence? (I could drive when I was 14 but never did on a public road). An age,for example 75, should be set for a competency test (not full learners and drivers) to ensure the driver is safe. A further case in point is a friend whose father stays in Howick. He suffered a slight stroke yesterday (89 years old) and then wanted to drive himself to the doctors. The doctor has told him not to drive for a while as he keeps on falling over to his right. My friend is having a hard time stopping her Dad from driving. I recommended that she contact the Traffic Department for assistance. He drives a BIG POWERFUL BMW.

I would like to see Medical Practitioners being held responsible for removal of licences in conjunction with the appropriate authorities.”

Also view:

Car Insurance might become too expensive for the elderly to keep driving

Cancelling car insurance should be the very last resort for the elderly

Elderly women are higher risk drivers for car insurance

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Be Alert to car thieves who jam immobilizers!

jamminWe have written rather extensively on the need for increased vehicle security to combat vehicle theft. Our blog entries on the Car Insurance Blog at carinsurance.arrivealive.co.za focused on a variety of vehicle security systems and also provided advice on the need to park your vehicle in a safe spot.

But what if you have a car alarm and immobilizer and you still find that property is removed from your vehicle? Is it possible for someone to gain access to the inside of your vehicle without having to forcefully break into your vehicle?

Thieves with the ability to jam immobilizers

A well known insurance company shared information with the car insurance blog from an email received from a concerned vehicle owner. We would like to share this without reference to the names of the specific insurer and client:

“To whom it may concern

I would like you to send out this article to all Insurer X clients. This happened to me while coming back from holiday on 7 May 2010.

We stopped at the Shell Ultra City at Middleburg. While the men went into the shop for refreshments, our ladies played with the baby on the grass right in front of our vehicles.(yet not hearing or noticing anything) The men were away only about 4 minutes, as we planned to get going right after them getting the goods from the shop.

When we got back into our vehicles, I noticed that my handbag (with all my personal documents & goods / purse – all my cards, cash cell phone), were missing. My bag was under the passenger seat foot space…hardly visible. Yet in that short period they just took a chance and accessed our vehicle in search of any valuables.

Luckily my petrol card was in the vehicle ashtray (I’ve put it in there after filling up, to be easily accessible for tollgates) I don’t normally do this, but maybe that day it was meant to be our saving grace, as this enabled us to fuel up, and pay for tollgates to get back home as my bank cards and cash were gone. I also stopped all my cards immediately – so even if they dumped my bag and cards in a dustbin, where we could have found it, it would have been to no use then.

No sign of a break in at all. The Middleburg police came out to the scene and opened a case docket. They informed us, that this was the how many’eth case that week, and that these crooks actually targets vehicles out of the reach of the filling station camera’s – that are normally placed in the vacinity of the fuel pumps and shop entrances.(so if possible – rather pick a parking there)

I am also a Insurer X client – yet I could not claim for the loss I have suffered – As Insurer X said I needed to specify these items, and it should have been locked away in an enclosed boot compartment, as they do not cover any loose items inside the vehicle(no matter if packed for holiday), even if the vehicle was locked.
Needless to say: After purchasing a new cell phone, (Sim swap done). New bag and purse, re applying for an ID & card license, etc. It came to a total of nearly R3500, 00. Not to mention the inconvenience or cost to apply for personal documents (getting temporary ones etc), or having bank cards replaced (at cost) and re-activated to enable you to access your funds again.

Please take note of this, and be very careful. If I can prevent anyone the trauma this has caused me, or the predicament it could have caused by being stuck without cash, then at least it did not happen in vain.
Regards
Ms XYZ

Media Reports of theft from Vehicles

Further credit has been given to this property loss story through an article in the Observer Newspaper in Middelburg. Two persons demonstrated to the media and public how they manage to jam a vehicle immobilizer by using the remote from your everyday security gate.

Vehicle owners tend to be in a rush when exiting their vehicles and often leave the vehicles under the impression that they are secure having pressed the vehicle immobilizer. This is in fact not the case and allows criminals the opportunity to steal property from the unsecured vehicle.

Advice to Vehicle owners to avoid theft from their vehicles

We would like to offer some advice to our vehicle owners:

• Be alert and cautious to where you park your vehicle.
• It is best to park where there are many people around and in the vicinity of security cameras.
• Be on the lookout for people who are wandering around for no apparent reason.
• If you are spending time in a restaurant and it is possible – find a seat within view of your vehicle.
• Do not rush away from your vehicle without checking whether your vehicle is indeed secure.
• Wait for the “beeb” from the immobilizer – or even better – see that your doors are locked.
• Close all the windows of your vehicle

Criminals will find new innovative ways all the time to commit their crimes. Be alert and vigilant to avoid vehicle and property loss!!

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What do you need to know about the Gauteng Freeway Improvement Project (GFIP)

gfip_smallOur drivers in Gauteng would have witnessed construction activity continuing after the Football World Cup, and would have been warned of a new tolling system. This is all part of the Gauteng Freeway Improvement Project (GFIP).

What do we need to know about the Gauteng Freeway Improvement Project?

The South African National Roads Agency has kindly made available information which we would like to share with our vehicle owners:

The Gauteng Freeway Improvement Project (GFIP) comprises different phases to upgrade and implement new freeways of an ultimate 560km freeway network. Thefirst phase, comprising the upgrading of 185km of the most congested freeways is currently under construction (a total of 15 work packages).

Apart from widening of the freeways, the GFIP project will also ensure that bottlenecks at interchanges are resolved. For the first phase of the GFIP, 34 interchanges are significantly upgraded, including infamous interchanges such as the Allandale, Rivonia, William Nicol, Gilloolys and Elands interchanges. Furthermore, median lighting and Intelligent Transport Systems (ITS) will be provided on the network.

ITS, comprising of Variable Message Signs (VMS), CCV cameras and Incident Management Services, allow SANRAL to manage the national road network in Gauteng for optimal use of the road capacity available. Through the VMS, SANRAL is able to warn road users of congestion. The CCTV cameras ensure that incidents are noticed and emergency services dispatched immediately. This information is also available on SANRAL’s traffic website www.i-traffic.co.za.

View the full summary at the Arrive Alive website on this link:

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Strong increase in South African vehicle sales

Written on August 3rd, 2010 by jonckie@arrivealive.co.za
Categories: Car Statistics, General Information, road safety

salesThere are some positive news for the South African economy and especially those in vehicle sales!

July new vehicle registrations closed on 41 367 units, 20% up on July last year and 3.7% ahead of June sales. This follows June’s strong performance of 20.5% growth over the similar period during 2009.

“The void left by the absence of soccer in South Africans lives seems to have allowed them to return their focus to new vehicle decisions,” says Ford’s vice president of marketing, Dean Stoneley. “While second half sales were expected to be slower than leading up to the World Cup, July numbers indicate a buoyant market driven by dealer sales.”

Passenger car sales drove the overall market growth thanks to its hefty 32.4% increase over July 2009 to 29 203 units, 8.99% better than last month. But Light Commercial Vehicles (LCVs) were less successful taking a 2.7% knock over the same period last year, 7.2% slower than June.

“Affordability remains an important aspect of new vehicle purchases in SA,” says Stoneley.

How many vehicles in South Africa?

The best resource for data on vehicle registrations can be found on the eNaTIS website. We would like to invite visitors to view the following link:

Vehicle population statistics for May/June 2010

We would like to urge all the new vehicle owners to consider the importance of Car Insurance. It is best to drive insured – for you and other vehicle owners!

Also view:

Will we see compulsory car insurance in South Africa?

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Sexy female distractions increase the risk of car insurance claims

boot2Earlier today the Arrive Alive road safety website received an email from a road safety friend who is concerned with the many driver distractions accidents. I would like to quote from his email:

“Dear Johan
I hope that you are well.
We feel that we would need to be responsible for driving a distracted driving and road safety campaign in South Africa. Obviously, many of the victims of road accidents from distracted driving become quadriplegics and paraplegics.
Is there any chance that you can give us some advice and some ideas about a national road safety campaign around distracted driving.
Anyway, any ideas would be grateful and I hope that you would consider sharing ideas with us.
Thank you and look forward to hearing from you
Ari Seirlis
National Director
QuadPara Association of South Africa (QASA)”

Distractions are indeed important contributing factors to road accidents and car insurance claims. These include a variety of driver and pedestrian distractions – the most obvious being driving when talking on cellular phones, texting while driving etc.

What has however escaped our minds is the effect of sexy and skimpy dressed women next to our roads on the attention and driving ability of our male drivers.

Are sexy clothing and the lack of clothing leading to car insurance claims?

A survey of 1400 motorists, conducted on behalf of insurance firm Sheilas’ Wheels, found that 29 per cent of male drivers admitted to being distracted by women during the summer. By contrast, just three per cent of female motorists said that men’s choice of summer clothing puts them off their driving.

According to Insurance company Sheilas’ Wheels, the summer smash phenomenon is getting worse each year – in 2009 men made 16.4 per cent more claims during the Summer than in any other month.

The research also revealed that men made 16.4 per cent more claims than women last summer. And a quarter of men have had at least one summertime crash or near miss in the past five years.

Behavioural psychologist Donna Dawson explained: “Research shows that men are far more easily distracted behind the wheel than women.

“Men are more visually orientated and so distractions such as an attractive woman walking down the street can quickly take their attention away from driving and the job in hand.

“Testosterone also plays a part, as it makes men more prone to aggression, especially when frustrated by a confined space such as a car – and men are quicker than women to expose such irritability in hot weather.”

Despite conditions being brighter and visibility better, male drivers are more likely to crash in summer because they are distracted by women, who tend to be wearing less in the heat.

Top Gear, Sexy Pedestrians and Accident Risks

This was also raised by well known TV presenter Jeremy Clarkson on the BBC’s Top Gear in a discussion in front of a studio audience.

He said: “People imagine the most dangerous time of the year to drive is November or perhaps February – dark nights, fog, ice.

“But we were talking about this the other day and we think the most dangerous time to drive a car is round about now.

“Sunny skies, light breezes, girls wearing short skirts, because the thing is, you can’t not look. You can’t physically not look.”

Co-presenter Richard Hammond interjected, saying: “You can physically not use your mobile phone and it’s easy not to drive home when you’ve had 18 pints of lager. But when you’re driving along and a girl walks past, you have to look.”

Conclusion and Advice

We would like to focus the attention of vehicle owners on the risks of driver distractions – to which we also now have to add the risk of sexy female pedestrians!

Also view:

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