Posts Tagged ‘Car Accidents’

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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Young drivers should slow down for cheaper car insurance!

Written on July 7th, 2010 by admin
Categories: Car Accidents, Car Insurance Advice, Insurance Articles, Road Safety

Young drivers are high risk drivers

We have previously referred to the young drivers as the “highest risk drivers”. Vehicle crash statistics have proven that drivers from the age group 18-25 are more often involved in accidents – and they will as a result struggle to find affordable car insurance!

Young drivers should slow down for cheaper car insurance

Contributing factors to these accidents include speeding, lack of driving experience, drunk/impaired driving etc.

These trends are not unique to one specific country or location – and can be found across the globe!!

Research on Young Drivers & Driving Behaviour

Interesting findings have been released recently after research by road safety charity Brake, in association with FedEx Express.

The research revealed that more than half of young motorists admitted to driving at speeds in excess of 70mph on quiet rural roads. Meanwhile the same amount, 56 percent, revealed they had driven at speeds of more than 40mph in a 30mph zone.

Ellen Booth, campaigns officer for Brake, said: “Many young people get a thrill from driving fast with their friends in the car, but because of the way young people’s brains develop, they often don’t yet have the ability to control their thrill-seeking tendencies.

“They often feel invincible and over-estimate their power to get out of trouble.”
Numbers from the Department for Transport in the UK concur with this view – 43 percent of the victims who died on Britain’s roads in crashes involving speed were aged between 16 and 25 years old.

Young Drivers and Car Insurance

Vehicle crash statistics and these research findings justify the expensive car insurance premiums payable by young drivers. Young drivers will need to slow down if they want to become eligible for cheaper car insurance. We would like to advise the following:

• That they reduce speed on the road
• Avoid drunk driving
• Strive to maintain an accident free record
• Attend advanced and safe/ defensive driving courses
• If they don’t drive much, consider Pay As You Drive Car Insurance Products
• Pay attention to other factors that might reduce their car insurance premiums such as vehicle security systems, locked parking etc

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Why do young and elderly drivers pay so much more for car insurance?

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Avoid car accident claims due to collisions with cyclists

Written on February 11th, 2010 by admin
Categories: Car Accidents, General Information

Cycling-accidentThe Arrive Alive website received an email from a motorist who appears to be rather agitated with the behaviour of cyclists on our roads. The subject heading of the email reads “Cyclists are riding as they please and still expect to be respected”.

I would like to share the contents of this message:

“There was an incident this morning when I drove behind two cyclists. The road did not have a yellow line or road reserve on the side. The two cyclists rode in the middle of the lane, keeping up the traffic behind, not paying attention to the vehicles behind or making an effort to give way.
The one person then proceeded to confront me stating that I am a danger on the road and the cause of accidents. He said that he knows his road rules and has the full right to ride in the road. When I told him that he runs the risk of being hit by a car and that he is keeping up the traffic behind, he said that he does not give a f@%k about the people behind him.
It is people like these who will ride where and how they want and then get into an accident with a vehicle, and then cannot understand why the vehicle did not consider them on the road. A point must be made that these cyclists cannot do what they want on the roads. We are all road users and there is a place for everyone to work together. But do not ride two or three abreast in the way of vehicle, because they are putting their own lives at risk. Drivers are not always at fault during accidents between vehicles and cyclists, and the attitude of this person today just proves that cyclists think in that way.”

This blog post is not intended to provide information to our cyclists on how to drive safely. We will do this on the Road Safety Blog. We would however like to provide a brief discussion on the need for safety near cyclists. My late father always warned me to leave a bit of extra space when passing cyclist on the road – not necessarily only for their safety –but also because the person on the bike would most likely not be able to compensate for any damage to your vehicle!

When driving in South African conditions, we need to focus on special circumstances. Our roads are seldom “cycling friendly” – and these cyclist are constantly threatened by the presence of potholes. Motorists simply cannot expect that cyclists ahead of them will continue in a straight line, and we should be prepared for emergencies.

This is however not a one sided problem where the onus is only on the motorist to be alert and vigilant. Cyclists cannot and should not expect that motorists are giving them the “right of way” and are aware of any reasons causing them to suddenly swerve across the road!

Herewith find Bicycling Magazine’s Top 10 Cycle Safe Tips

  1. A bicycle is classified as a vehicle, so obey all the traffic rules that motorists are expected to obey.
  2. Make sure motorists can see you at all times.
  3. Ride predictably and defensively, but not timidly.
  4. Anticipate by using your eyes, ears and instinct at all times.
  5. Use hand signals to indicate your intentions to stop or turn.
  6. Stay calm. Getting irate with other road users can cause you more harm.
  7. Ride in bunches whenever possible but consider other road users and ride in single file when the road is narrow or has only one lane.
  8. Always wear a helmet.
  9. Fit lights on the front and rear when riding in poor light conditions.
  10. Fit an ID band to your ankle or wrist that contains contact information of your family and your medical aid details.

View the Arrive Alive website for more information on:

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Potholes leading to increased frustration and tyre damage claims

Written on January 27th, 2010 by admin
Categories: Car Accidents, Car Insurance Claims, General Information

PotholeThe Arrive Alive website has received an increasing amount of emails from road users concerned with the condition of our roads. These emails have been referred to the Department of Transport and the National Roads Agency.

The potholes do not only endanger the lives of travellers driving away from the National roads [“N” roads], but are also contributing to increased vehicle damage!

The full extent of the problem was highlighted earlier this week in a report on Eyewitness News. It is reported in a snap poll by Eyewitness News that around six of every 10 cars taken to tyre centres in Gauteng are there because of pothole or construction damage. It has emerged poor road conditions in the country could be costing the economy as much as R18bn a year.

Eyewitness News called various tyre fitment centres and retailers across the province and just about all had the same response – deteriorating road conditions were good for business. Some estimate between seven and nine out of every 10 cars they attended to, were there because of potholes or construction. They agreed the figure increased exponentially over the past few years.

“It’s increased dramatically. The number of tyres we replace due to tyres we replace due to road damage compared to about three years ago has probably doubled,” said one centre.

The South African Chamber of Commerce has also expressed concern about the lengthy delays on our roads around Johannesburg. The chamber’s Neren Rau said potholes, the absence of road markings, malfunctioning traffic lights and accidents were all problematic.

The Johannesburg Roads Agency is likely to experience a spike in claims as persistent wet weather exacerbates the pothole problem across the city.

There will be increased litigation if attention is not given to repairing these dangerous road conditions. It is important to remember that vehicle damage from road works and poor road conditions on the “N” roads can be addressed to the South African National Roads Agency and their insurer.

Damage suffered as a result of poor maintenance and failure to repair road conditions on other roads have to be addressed to the local municipality and department of roads/ public works in that area.

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Innovative techniques for towing a vehicle

Written on January 21st, 2010 by admin
Categories: Car Accidents, General Information

On the Car Insurance Blog we have share some suggestions on how to deal with tow truck operators. This is a topic that has received much media attention as we find a tussle between consumers, bad operators and those operators that do operate in a professional manner.

The professional tow truck operators make an important contribution to safety on the roads and needs to be applauded for their efforts! They do not only assist in the safe clearance of the road for other road users, but also contributes to vehicle safety and allows accident investigators to do a proper investigation of the vehicle.

We have come across a few interesting images of innovative towing vehicles and techniques used in Japan. This has been described as “thinking out of the box” and also illustrates the neat appearance of these operators!

Bike tow truck on highway

Picture 1 of 4

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Do we have the correct death toll on South African roads for December 2009?

Written on January 4th, 2010 by admin
Categories: Car Accidents, General Information

Accident PictureThere has been much discussion on the death toll on South African roads during the past December. The Department of Transport has indicated that there has been a reduction in road deaths since December 2008 – and this has raised alarm bells with other road safety observers.

The Arrive Alive website has received an email questioning the data provided and would like to share this with our vehicle owners:

“CONTRADICTORY FIGURES HIDE ROAD DEATH RISE”

December 2009 death toll up by 16 per cent

Rob Handfield-Jones, MD of driving skills company, driving.co.za, says that the Department of Transport’s claim that the December 2009 road death toll was lower than that of December 2008 is invalid and based on contradictory figures.

“The DoT is currently claiming the death toll for December 2008 to be 1348; it was actually 908,” he said. “The Department released the lower figure to the media on several occasions in early-2009. It is a matter of public record and was referred to by transport officials during 2009. The death toll of 1050 for December 2009 is thus not a reduction, but an increase of almost 16 per cent,” he said.

Vehicle passengers were the biggest single category of fatalities in December 2009, accounting for 40 per cent of the total. “Government’s continued failure to address bus safety is a key factor in this regard,” Handfield – Jones said. He added that December 2009 claimed 142 more lives than December 2008, despite around 285 000 notices for speeding being issued. ”Speed control has once again been shown to be ineffective at reducing road deaths,” he said.

He said the DoT’s latest pronouncements further undermined the credibility of South Africa’s road safety data. “We don’t have an official death toll for the year 2008 / 2009, and the authorities haven’t released an annual road safety stats bundle for almost two years,” he commented. “The last credible and comprehensive data was released in 1998. Even the NIMSS reports compiled by researchers from UNISA and the Medical Research Council refer to the official death toll as an ‘…uncertain subgroup of motor vehicle collisions…’.”

Handfield – Jones said the DoT could not continue to justify its failures by blaming the road user. “Across the world, people only drive as badly as their governments permit them to,” he said. He called for a moving violations-based enforcement regime and a new driving licence system, as well as a Professional Driving Permit which included a driving skills test. He described the existing system as producing poor drivers who routinely committed moving violations which could be fatal even at low speeds.

“The Parliamentary Portfolio Committee on Transport should urgently investigate how the DoT came to use contradictory data in road safety comparisons, and also whether this was an unintentional error, or a deliberate attempt to hide an increased death toll ahead of the Soccer World Cup,” he concluded.

[ENDS]

Whatever the exact number of fatalities might be, we can agree with the Department of Transport that every fatality is one TOO MANY!!

View the Arrive Alive website for more information on Road Safety.

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Do not text yourself to death!

Written on December 23rd, 2009 by admin
Categories: General Information, Road Safety

texting-and-distracted-drivingDriver distraction is now one of the most important threats to safety on the road. 20 Years ago drivers were merely warned against tuning the radio and the distractions inside the car caused by passengers and activities such as eating, reading, conversations etc. At present we find all kinds of devices and of these the biggest cause of diver distraction is the cellular phone.

Drivers are often distracted by phone calls, text messages or taking part in discussions on social media platforms such as Facebook and Twitter from their cellular phones. I have come across very interesting data on the sending of text messages in the US and find this quite revealing:

  • The Census Bureau reports that the nation’s 270 million cell phone users sent out more than 110 billion text messages last year.
  • That averages out to 407 texts per person, up from 188 messages per cell phone subscriber in 2007.
  • The average cell phone call length dipped to the shortest time since the 1990s at 2.3 minutes.
  • The average teen pumps out 2,000 text messages per month.

How many of these were sent by drivers whilst busy driving? We will never know the exact amount – and we will never know the exact amount of accidents caused by those who were texting. Vehicle owners will not disclose to their car insurance companies that they were distracted by sending text messages – they know they were at fault doing so – and they know the insurer can reject their accident claim if this is disclosed as cause of the accident!

But how dangerous is it to text while driving?

A research study from Washington in the US revealed earlier this week that text messaging drivers are six times more likely to get into an accident than drivers who do not text. The study, using simulator vehicles and identical traffic scenarios, also found the risk of texting behind the wheel appeared to be significantly higher than talking on a cell phone while driving, another dangerous distraction.

While other studies have shown the dangers of text messaging while driving, researcher Frank Drews of the University of Utah in a telephone interview said theirs is the first to examine accidents rather than ‘close calls.’ The study, published in the journal Human Factors, evaluated the driving performance of 20 pairs of self-described experienced text messengers using their own cell phones.

The drivers, aged 19 to 23, were instructed to plan an evening outing in which they had to arrange a number of activities.

‘Their task was to drive, single-task driving in the simulator to assess baseline performance,’ Mr Drews said. ‘In the next step, they (researchers) had them text message with friends who were in a different room while they were driving.’ During the study, there were seven collisions, each caused by different drivers. Six of the crashes (86 per cent) happened while drivers were text messaging. Only one accident occurred while the participant was simply driving.

And why is sending text messages so dangerous to the driver and other road users?

  • The study found that text messaging drivers were slower to react to vehicles’ brake lights ahead of them.
  • Drivers who are texting are much more likely to drift into other lanes.
  • Texting reduces the ability to maintain a safe following distance.

We have, on the Arrive Alive website recognized the importance of alerting road users to the dangers of distractions – not only to drivers, but also to pedestrians in traffic! Vehicle owners need to be alert to the dangers and not only avoid driver distractions when driving – but also to avoid pedestrians who might be distracted!

We would like to alert all our road users to these dangers and to read more on:

Always ask your self – “Would I be comfortable with an oncoming driver texting behind the wheel of his vehicle?”

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Practical advice when dealing with tow truck operators

Written on December 4th, 2009 by admin
Categories: Car Accidents, Car Insurance Advice

tow_truckAs we prepare for festive season holiday travels our minds are occupied with positive thoughts of safe travel, companionship and a time of rest. Few of us consider the possibility of vehicle accidents – and even fewer prepare to be ready in the event of an emergency. We might not be from the medical profession and might know little about emergency medical treatment, but there are other nasty consequences of accidents that we can prevent. One of these is the nasty experience of having to pay thousands of rands for the towing and storage of our damaged vehicles!

In this post I would like to approach the towing of vehicles in a practical manner and provide a few suggestions to vehicle owners going on holiday!

Why are consumers warned against tow truck operators?

We need to recognize that in every industry we find the true professional capable of providing expertise in a specific field, but also the bottom dweller wishing to make a quick buck with the least bit of effort. This applies to financial advisors, lawyers, salesmen and also the tow truck operator. It is sad that the bottom dweller or bad operator tarnishes the image of the industry and creates a negative perception of all colleagues working in that industry.

Unfortunately the towing industry is not well regulated. Too many operators can buy a one-ton truck, turn it into a tow truck, add some flashy designs on the truck and start operating!

The television show Carte Blanche recently exposed some of the dangers presented by the bad operators in the vehicle recovery and tow trucking industry. Some of the reasons why the consumer is warned include:

  • Excessive fees
  • Dishonest and unprofessional behaviour
  • Kickbacks or referral fees between tow truck drivers and traffic officials
  • Poor communication and lack of disclosure etc.

It is appropriate that we give some attention to the tow truck dilemma for the consumer…

What is this towing dilemma confronting the vehicle owner / consumer?

Nobody is ever perfectly prepared for a vehicle accident. An accident is by nature a “sudden unforeseen event” and the consequences differ from incident to incident and from person to person. Once involved in an accident we can expect the following:

  • Confusion and uncertainty
  • Post-traumatic stress
  • Difficulty to reason and make informed choices
  • Embarrassment
  • Fear etc

It is very difficult for the driver who has just been in an accident to make a proper decision – one that he/ she will not regret later! During this “critical hour” after an accident we find some of the following irregularities:

  • Traffic officers alerting tow truck operators to the accident even before alerting medical services
  • Vehicles towed away without the consent of the vehicle owner
  • Drivers coerced into signing authorization forms for the towing away and storage of their vehicles

This often leads to nasty surprises and financial disaster for the vehicle owner later! This also results in disputes and allegations of “he said – she said” with the driver having to prove that he did not sign the authority or was not provided with all the clauses and content within such document etc…

Advice and suggestions to follow before vehicle is towed away

When in familiar territory closer to home the vehicle owner will feel more protected. The driver might know the tow truck operators in the area and the reputation of these operators. He might even be able to call a friend who has recently been in an accident and gain advice on whether it is safe to use a specific operator!

The risk for the driver increases when on holiday and confronted by strangers offering assistance. The bad operators will identify a stranger or vehicle licensed in another area, seeing this as an opportunity to make a nice festive season bonus!

No matter how neat or flashy the tow truck, or how friendly the smile from the operator – the vehicle owner / driver needs to follow a few guidelines in dealing with these operators.

We would like to provide the following practical and easy to understand suggestions:

  • Know that you have rights and you are protected from unauthorized removal of the vehicle!
  • Road traffic legislation stipulates that no person shall remove a vehicle involved in an accident from the scene of such accident, except for the purpose of sufficiently allowing the passage of traffic, without the permission of the owner, driver or operator of such vehicle or a person who may lawfully take possession of such vehicle.
  • Your signature is very important! You never sign surety on behalf of another – and never sign a document presented to you by a tow truck operator without reading the contents!
  • If you are an AA member, contact the AA to arrange the tow. The AA uses only certain towing companies that comply with a code of conduct and service levels. You also have recourse if something goes wrong.
  • Only use the services of the first SATRA or UTASA member to arrive at the scene of an accident. You have the right to choose to use a SATRA or UTASA member, who is bound by a contractually enforceable code of conduct, and protects you, the consumer, from being charged above market related rates.
  • If your vehicle is insured, contact your insurer or broker and ask for information on the procedure to follow – have this available in your vehicle at all times.
  • If you have insurance cover that includes towing charges, call the emergency towing assistance number (usually on a sticker provided by the insurance company).
  • If you make use of a roadside assistance product, make sure you know your rights! In almost all cases you or your insurer will be liable to pay the costs of towing an accident-damaged vehicle.
  • Make sure that the accident-damaged vehicle is delivered to a repairer approved by your insurer or, if you are not insured, make sure to collect your vehicle as soon as possible to prevent the accrual of storage charges.
  • When dealing with recovery companies, always establish the amount to be charged for all aspects including towing, salvage and storage fees. Always agree on towing charges before your vehicle is towed or you might be in for an unpleasant surprise.
  • Get as much information about the tow operator as possible before you agree to the recovery – name of company, driver, and registration of tow truck, physical address and phone number (preferably not a cell phone).
  • Remove all valuables from the motor vehicle before it is towed away for repairs.

Conclusion
Remember that tow truck operators provide a valuable service to the motoring public – and there are good operators making an honest living by providing a professional vehicle recovery service! They are quite often the first to arrive at the scene of an accident and have been known on many occasions to provide assistance and/or first aid to disorientated or injured accident victims. In addition to this they are quite often seen directing traffic and working with the authorities to clear the accident scene as quickly as possible to avoid further accidents and to restore normal traffic flow.

Respect these individuals for these services – but be alert and follow the above suggestions to protect yourself from bad operators!

Also view the Arrive Alive website and information on:

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How are road accidents affecting car insurance companies?

Written on November 2nd, 2009 by admin
Categories: Car Insurance Claims

Truck Accident 2Most of us are aware that tough economic times and the credit crunch are having a very negative impact on businesses across the globe. These businesses include car insurance companies operating in a very competitive industry where they are already challenged with highly competitive short term insurance premiums.

We might also be aware that the ever increasing number of car insurance claims is a big risk to the sustainability of these companies. But how significant is the risk of poor road safety? I have in the past read with interest the reported financial results of the short term insurance companies in South Africa – and have often found the reference to increasing car insurance claims, industrial fires, natural disasters etc, but seldom a long explanation about the exact impact of car crashes on the bottom-line. I have however over the past weekend found an interesting article on the nature of this risk in Kenya. This appeared in an article on Capital FM Kenya and makes reference to the fact that “Kenyan car insurance providers says road carnage places business at risk”

I would like to quote a few of the observations from this article:

  • Car insurance providers are now calling on the government to step in and curb road carnage saying their business is at risk of major loss.
  • In Kenya 65 percent of insurance claims were from road accidents.
  • Insurers are paying out 105 percent of the premiums collected.
  • If road accidents were reduced by 50 percent insurance claims would reduce from Sh10.3 billion to Sh5 billion thereby making the industry profitable.
  • At the third annual AKI Road Safety Awards ceremony in Nairobi it was said that the impact that road carnage has not only negatively impacted the insurance industry but also the country’s economy.
  • According to the International Roads Assessment Programme, 70 percent of road accidents involved Public Service Vehicles, cyclists and pedestrians.

What can be done to reduce these accidents and risk to car insurance business?

  • AKI chairman Nelson Kuria proposed public education and a concerted effort to curb road accidents and secure the insurance industry.
  • Roads Minister Franklin Bett pointed out that the National Road Safety Council had the requisite capacity to help reduce the rate of accidents on Kenyan roads.
  • Every single road user has been urged to take utmost care and caution on the road.

I have found these revelations from Kenya informative – and a reflection not only of the risks in Kenya but also in the rest of Africa. We will strive to investigate this further and also provide an analysis of the effects of the credit crunch on the car insurance industry and road safety!

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Damaged tyres raise crash risk and lead to car insurance claims

Written on October 30th, 2009 by admin
Categories: Car Accidents, Car Insurance Claims

Damaged TyreDamaged tyres raise your risk of tyre failure and possible loss of control, Bridgestone South Africa has warned. Romano Daniels, General Manager of Group Communications and Marketing, said that many South Africans drive on tyres which have been damaged.

“The law is extremely strict on damaged tyres,” he said. “It forbids the use of a tyre with a cut longer than 25mm or 10 per cent of the tyre width. Using a tyre on which the fabric or cord is exposed is also unlawful,” he explained.

Daniels said that these kinds of defects often lead to sudden tyre failure and could not be rectified. “The only solution in these cases is to replace the tyre. The law also prohibits driving on a tyre has been incorrectly fitted to the rim,” he added.

He cautioned motorists that it’s illegal to use any tyre which could be a danger to other road users, such as one with sidewall damage from being driven flat after a puncture. “A common defect our tyre specialists see is when a tyre’s sidewall has a bulge in it. This is caused by an internal cut which sometimes happens when a pothole is struck. The air leaks through the cut into the sidewall, causing a bulge,” he explained. “If the bulge bursts, the tyre will fail catastrophically. Again, the only solution is to replace the tyre.”

Daniels urged motorists to check their tyres at least once a week for cuts, bulges and bruises. “If you’re not sure about the safety of a tyre, consult a fitment specialist for advice,” he said. “Also check for nails or other articles which have penetrated the tread. Have the tyre repaired if possible before this kind of damage leads to a puncture.”

He also recommended that tyres be replaced once they were five to seven years old, regardless of their remaining tread depth. “Tyres are attacked by ozone in the air, as well as ultraviolet rays from sunlight, and oil and grease on the road. Over time, these factors cause the tyre to harden and develop cracks. These cracks not only render the tyre illegal, but might cause a sudden blow-out,” he concluded.

[Issued by Bridgestone South Africa on 29th October 2009]

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