Out of town accidents: What you need to know


While accidents are one of life’s unfortunate inevitabilities, there’s no way to predict when a curve ball will be thrown in your path.

And while it’s one thing to be caught off guard when on your home turf, it’s another matter entirely to deal with the consequences of a collision that takes place a little further afield.

With the holiday season in full swing, the chances of becoming involved in an accident – particularly one that takes place while you’re away on holiday – increases significantly. It’s important to be prepared in the event of such an incident.

So before you pack your bags and set off into the summer sunshine, here are a few key pointers to consider:

Keep your vital information close at hand

Information is key in the event of an accident, which is why it’s critically important that you carry your driver’s licence and relevant identification on you at all times. When away from home, it’s also wise to keep proof of residence on hand – both of your temporary and permanent abode – so as to simplify and speed up the claims process.

Read the fine print

For those heading further afield, car hire is likely to factor into holiday plans. And while it’s an ultra-convenient option, things can become very complicated in the event of an accident or theft. As such, it’s vital that you understand the terms of your rental agreement and car hire cover before setting up camp behind the wheel.

Understand the exceptions

Remember that opting for a waiver doesn’t exemplify you from responsibility in all circumstances. Many car hire companies will void these waivers if the car is damaged as a result of being driven on unsuitable roads or in areas of unrest. Equally, waivers are unlikely to cover you in the event of reckless or drunken driving, or if you’re involved in an accident in which no third party is involved.

Know what to do

If you’re involved in an accident, it’s important to document the scene as much as possible, so take photos if you can in order to assist your claim. It’s also vital that you alert the authorities and retrieve all the relevant details of the other party involved, as well as all witnesses.

Driving your own car?

If you’re out of town in your own car, it’s equally important to understand the required course of action so as to ensure your claims are honoured. Documentation is always imperative, so make sure you acquire as much of it as possible and ensure you contact both the authorities and your insurer rather than leaving it until you return home.

Ultimately, when it comes to holiday accidents, knowledge is power. So make sure you understand your rights and responsibilities and you should be able to mitigate the financial impact of any unforeseen disasters.

By: Nthabiseng Moloi, MiWay Head of Marketing & Brand