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How to Find a Copy of Your Vehicle Registration Papers in New Zealand

<p><strong>Lost your Certificate of Registration? Here's exactly how to get a replacement in minutes.</strong><br><br>Whether you've lost your rego papers, they were damaged in an accident, or you simply can't remember where you put them, don't stress. New Zealand has one national system <a href="https://www.nzta.govt.nz/" rel="noopener noreferrer nofollow">online</a> run by NZ Transport Agency Waka Kotahi (NZTA), so the process is the same wherever you live — from Kaitaia to Invercargill.<br><br>This guide walks you through how to confirm your rego details online in seconds, how to order a replacement Certificate of Registration, and the things every Kiwi driver should have on hand before an emergency strikes.</p><h2>Why You Might Need a Copy of Your Registration Papers</h2><p>Your vehicle registration certificate is the official document proving you are the registered operator of your vehicle. You'll commonly need it when:</p><ul><li><p>Selling your car</p></li><li><p>Transferring ownership</p></li><li><p>Proving your vehicle details to a service provider</p></li><li><p>After an accident to assist with an accident loan car hire or an insurance claim</p></li></ul><p><strong>Did you know?</strong> In New Zealand you are not required to carry your Certificate of Registration while driving. Your number plates and current licensing label (the rego sticker on your windscreen) serves as proof your vehicle is registered and licensed.</p><h2>The Quickest Way to Find Your Rego Details</h2><p>If you just need to confirm your registration details quickly — say, after an accident — and you don't necessarily need the certificate itself, NZTA offers a free online check using just your number plate:</p><ol><li><p>Go to the <a href="https://transact.nzta.govt.nz/v2/check-expiry" rel="noopener noreferrer nofollow">NZTA Vehicle Status Enquiry tool</a>.</p></li><li><p>Enter your vehicle's number plate.</p></li><li><p>View your rego expiry, WoF/CoF expiry and registration status instantly, for free.</p></li></ol><p><strong>Pro tip:</strong> The free NZTA app lets you access your driver licence and vehicle information from your phone in a secure, central place — handy to have set up before you ever need it.</p><h2>Who has registered the vehicle?</h2><p>Before you go looking for your registration certificate, it's worth checking who in your household, has registered the vehicle. Knowing this will help to speed up the process.<br><br>Registration records are tied to the registered person recorded on the Motor Vehicle register. In most cases, only that person can order a replacement certificate, because NZTA will verify their identity and post the certificate to the address held on file.<br><br>If your partner, spouse or another family member is the registered operator, you'll need to go through them to obtain the certificate.</p><h2>How to Get a Copy of Your Vehicle Registration Certificate</h2><h3>Phone NZTA</h3><p>Call NZTA on <a href="tel:0800108809" rel="noopener noreferrer nofollow">0800 108 809</a> and request a replacement Certificate of Registration. You'll need a Visa or Mastercard debit or credit card to pay the replacement fee, which is around $14.92 at the time of writing. Fees can change, so it's always worth confirming the current charge when you call.<br><br>NZTA will verify you are the registered person, then post a new Certificate of registration to the address held on the <a href="https://www.nzta.govt.nz/vehicles/how-the-motor-vehicle-register-affects-you" rel="noopener noreferrer nofollow">Motor Vehicle Register</a>. For this reason, it's important to make sure your contact details are up to date before you order.</p><h3>Update your details first if you've moved</h3><p>If you've changed address, update your details <a href="https://transact.nzta.govt.nz/transactions/ChangeOfAddress/entry" rel="noopener noreferrer nofollow">here</a> before ordering, so your new certificate goes to the right place. Keeping your address current also ensures your rego reminders reach you.<br><br><strong>Note:</strong> If the vehicle is registered to someone else or to a company, you'll generally need the registered person's authority and proof of identity to obtain a copy.</p><h2>What Happens If You Let Your Rego Lapse?</h2><p>It's easy to let a renewal slip through the cracks, but driving with expired rego is against the law in New Zealand. If you're caught, you can face an instant fine — commonly around $200. Just as importantly, if your vehicle's rego has lapsed, you may find you're not properly covered, which can cause real headaches if you're involved in an accident.<br><br>If your vehicle stays unlicensed for 12 months, NZTA will cancel its registration altogether — and you'll need to re-register it before it can legally go back on the road.</p><h2>When Can You Renew — and How Far in Advance?</h2><p>NZTA sends a reminder about six weeks before your vehicle licence is due to expire, either by post or email depending on your preferences. You can renew online <a href="https://transact.nzta.govt.nz/v2/vehicle-licence-renewal" rel="noopener noreferrer nofollow">here</a> using your reminder number or plate number, along with your payment details. Your new licence label should arrive in the post within about ten working days.<br><br>You can renew for up to 12 months or choose a specific expiry date that suits you. If you haven't received a reminder, don't assume your rego has been extended — check your expiry date <a href="https://transact.nzta.govt.nz/v2/check-expiry" rel="noopener noreferrer nofollow">online</a> and renew proactively.<br><br><strong>A useful tip:</strong> NZTA has made the links in its rego reminder emails non-clickable to help protect drivers from scams. If you get a reminder, search for "Renew vehicle licence" on the official NZTA website yourself rather than clicking through, so you know you're dealing with the real thing.</p><h2>Do You Need a Warrant of Fitness Before You Can Renew?</h2><p>Yes. Your vehicle must have a current Warrant of Fitness (WoF) — or a Certificate of Fitness (CoF) for heavy and commercial vehicles — before you can renew your rego or legally use the vehicle on the road.<br><br>A WoF is a regular safety check confirming your vehicle is roadworthy. How often you need one depends on the age of your vehicle:</p><ul><li><p>New vehicles receive a WoF at first registration valid for three years, then move to annual inspections.</p></li><li><p>Vehicles first registered on or after 1 January 2000 need a WoF every 12 months.</p></li><li><p>Older vehicles have historically needed more frequent checks, though the rules are being simplified — from 1 November 2026, inspection intervals are changing, with longer WoF periods for newer vehicles and the six-month inspection being phased out for light vehicles.</p></li></ul><p>There are thousands of authorised WoF agents across New Zealand — most general repair workshops and testing stations can carry one out. A straightforward inspection often takes under an hour, but if your vehicle needs repairs to pass, that adds time. To be safe, allow a couple of weeks before your rego is due to get the WoF sorted, and book ahead during busy periods.<br><br>It's your responsibility to keep your vehicle in WoF condition at all times — not just on inspection day. For example, if your tyres wear below the legal tread depth between inspections, they need replacing straight away.</p><h2>After an Accident? Your Rego Details Matter</h2><p>If you've been involved in an accident, having your registration details on hand helps speed up the claims and replacement vehicle process.</p><h3>Your right to a replacement car at no cost to you</h3><p>If the accident wasn't your fault and was caused by another driver, you may be entitled to a similar replacement vehicle while yours is off the road.<br><br>Right2Drive provides similar replacement vehicles suited to your needs, delivered toa location of your choice and collected once your car is repaired. The cost of the hire is recovered from the at-fault driver's insurer — not from you.<br><br>We'll ask for your vehicle's registration details as part of the eligibility check. A quick free rego check on the NZTA website can have those details ready in minutes — so we can get you back on the road fast.<br><br>Think you may be eligible for a replacement vehicle? Apply online <a href="https://www.right2drive.co.nz/application-your-details" rel="noopener noreferrer nofollow">here</a> or give our team a call on <a href="tel:0800004203" rel="noopener noreferrer nofollow">0800 004 203</a> to check your eligibility.</p><h2>Keep Your Vehicle Documents Organised — Before You Need Them</h2><p>One of the best things you can do as a vehicle owner is get your documents in order before an emergency strikes. It saves you searching post-accident, which can be stressful.<br><br>Take a photo of your Certificate of Registration and save it to your phone — either in your photos or a cloud storage app like Google Drive or iCloud. That way, even if the physical document is lost or your car is undriveable, you've always got a digital backup on hand.<br><br>It's also worth keeping a note of your:</p><ul><li><p>Number plate</p></li><li><p>Rego expiry date — add a calendar reminder for the week before</p></li><li><p>WoF expiry date</p></li><li><p>Insurance provider and policy number</p></li><li><p>The NZTA website and phone number (<a href="tel:0800108809" rel="noopener noreferrer nofollow">0800 108 809</a>)</p></li></ul><p>Having these details saved somewhere accessible — your phone's notes app, your email, or even a card in your wallet — can save you a lot of stress if you're ever in an accident or pulled over unexpectedly. You could also keep a copy in the glove box, so it's there when you need it.<br><br><strong>Sources for verification before publishing:</strong> NZTA Waka Kotahi (<a href="nzta.govt.nz" rel="noopener noreferrer nofollow" data-link-auto="">nzta.govt.nz</a>) — registering your vehicle, vehicle licensing, Warrant of Fitness, and Vehicle Status Enquiry pages. Fees and inspection rules should be reconfirmed against the NZTA site at time of publishing, as these can change.</p>

What to do after the accident has happened and you’ve left the accident scene. 

<h2>1 Report the accident to Police if required</h2><p>If anyone was injured, it is a legal requirement to report the accident to Police as soon as reasonably practicable and no later than 24 hours after the accident.<br><br>For non-emergency incidents, report <a href="https://www.police.govt.nz/use-105" rel="noopener noreferrer nofollow">online</a> or call <a href="tel:105" rel="noopener noreferrer nofollow">105</a>. Keep your Police event number — your insurer will likely ask for it.<br><br>If the accident wasn't your fault, follow up with the other driver for their claim number. If it was your fault, contact the other driver to provide yours.</p><h2>2 Decide how to claim - depending on who caused the accident</h2><p>Here are your options:<br><br><strong>If the accident wasn’t your fault and you have comprehensive cover:</strong><br>Claim through your own insurer. Even if the other driver is completely at fault and their insurer may cover the repairs, lodging a claim with your insurer means they liaise with the other insurer on your behalf. Your insurer chases recovery from the at-fault parties insurer afterward. This is almost always the easiest path.<br><strong><br>If the accident wasn’t your fault and you have third-party property insurance or no cover:</strong><br>You need to deal with the driver who caused the accident (at-fault driver) or their insurer directly. Ask for the contact details of their insurer and the claim number. You cannot 'claim' on the other driver's insurance directly — their insurer has no contract with you. The insurer stands in their customer's place. They may offer to assess your vehicle, repair your vehicle, or offer you a hire car. <br><br><strong>If you caused the accident and have comprehensive cover:</strong><br>Claim on your own policy. You'll pay the excess and likely lose your no-claim bonus.</p><h2>3 Notify your insurer (within 24–48 hours)</h2><p>Prepare the following for your insurer:</p><ul><li><p>Your policy number</p></li><li><p>Date, time and location of the accident</p></li><li><p>A description of what happened</p></li><li><p>The other driver's details: name, phone, address, rego, licence number, and their insurer if known</p></li><li><p>Photos and witness contact details if available</p></li></ul><p>Call your insurer's claims line or lodge online via their app or portal. Most insurers have claims teams available 24/7.</p><p>The insurer will assign a claim number — write it down. This is your reference for everything that follows.</p><p>Most policies require prompt notification even if you don't intend to claim — so do this regardless of fault.</p><h2>4 Pay your excess</h2><ul><li><p>Most claims require you to pay an excess upfront before repairs start. In New Zealand this commonly ranges from a few hundred dollars up to $1,600 or more for younger or restricted licence drivers.</p></li><li><p>If the accident was entirely the other driver's fault and you can provide their full details, many insurers will waive the excess. Otherwise, you pay it upfront and your insurer refunds it later if and when they recover costs from the at-fault driver’s insurer.</p></li><li><p>The claim usually won't proceed until you've paid your excess, or the insurer has confirmed it has been waived.</p></li></ul><h2>5 Vehicle assessment</h2><p>Your insurer will either:</p><ul><li><p>Ask you to upload photos for a desktop assessment (common for minor damage)</p></li><li><p>Send an assessor to inspect the car in person</p></li><li><p>Direct you to take the car to an approved repairer who does the assessment on site</p></li></ul><p>Assessments typically take 3–14 days to complete.</p><h2>6 Repair or write-off decision</h2><p>The assessor decides whether to repair or write off the vehicle. If the cost of repairs exceeds the value of replacing the car, it will be written off.<br><br><strong>If repairable:</strong> Your insurer will confirm which repairer to use and when to book in. Most repairs wrap up within two to six weeks. Delays can occur when parts are on back-order or liability is disputed.<br><br><strong>If written off:</strong> The insurer offers a settlement based on your policy's agreed value or market value. You can negotiate this — get your own valuation from <a href="https://www.trademe.co.nz/a/motors?srsltid=AfmBOop8045SLKAVif6LPfHFJY1uQe3ldp8EyPiMLstAHnvRWSMRyJkI" rel="noopener noreferrer nofollow">Trade Me Motors listings</a> or a motoring organisation report if you think their offer is low.<br><br>Once you accept, insurers typically pay out within five to ten business days.</p><h2>7 Accident Replacement Car</h2><p>Book a hire vehicle while your car is off the road for repairs or until your write-off settlement is received.<br><br>If the driver who caused the accident is identified and insured, contact Right2Drive to <a href="https://www.right2drive.co.nz/application-your-details" rel="noopener noreferrer nofollow">apply</a> for an accident replacement vehicle at no cost to you. This is a legal entitlement many people aren't aware of. You'll be provided with a similar vehicle suitable to your needs. The cost is covered by the at-fault driver's insurer once the hire is completed.<br><br>If you caused the accident or the at-fault driver is uninsured, you'll need to arrange and pay for your own hire vehicle.</p><h2>8 Recovery against the at-fault driver</h2><p>If you claimed on your own comprehensive policy and weren't at fault, your insurer handles recovery in the background — you don't need to chase the other driver. It can take months but doesn't affect your claim outcome.<br><br>If you need to recover costs from the at-fault driver directly, send a Letter of Demand with your repair invoices or quotes. If they don't pay, you can take them to the Disputes Tribunal — which handles claims up to $60,000 and is quicker and cheaper than going to court.</p><h2>9 Track your claim</h2><p>Keep a folder (digital is fine) with: claim number, photos, all emails, quotes, invoices, receipts for related expenses (tow, hire car, etc.), and notes from every phone call (date, time, who you spoke to, what was agreed).</p><h2>If things go wrong</h2><p>Request an internal review from your insurer first (free, in writing). If that doesn't resolve it, escalate to the Insurance and <a href="https://www.ifso.nz/" rel="noopener noreferrer nofollow">Financial Services Ombudsman (IFSO)</a> — free, independent, and binding on the insurer.</p><h2>Personal injury</h2><p>If anyone was injured, an ACC claim runs in parallel and is separate from your property insurance claim. ACC covers personal injury on a no-fault basis for everyone in New Zealand. Lodge your ACC claim as soon as possible at <a href="https://www.acc.co.nz/" rel="noopener noreferrer nofollow">acc.co.nz</a> or through your treating health provider.<br><br>You can download our full guide here: <a href="https://cloud.squidex.io/api/assets/right2drive/56554c99-bbf8-41ca-82e4-810a64d60623/r2d093-post-accident-guide-nz-v1.pdf" rel="noopener noreferrer nofollow">R2D093 Post Accident Guide NZ_v1.pdf</a></p>

Vehicle Accident Guide: What to Do After a Car Accident in New Zealand

<p>If you've never been in a car crash, lucky you! If you have, you'll know that it can be stressful and hard to think clearly about what to do. Here is a simple rundown on what to do following a car accident while you're still at the scene.<br><br>Our Accident Guide has been developed taking best practice NZ Transport Agency guidelines into account. Visit <a href="https://www.nzta.govt.nz/" rel="noopener noreferrer nofollow">nzta.govt.nz</a> for further information.</p><h2>Quick Checklist</h2><p>Here are the key steps to follow immediately after a car accident in New Zealand:</p><ol><li><p>Stop and, if possible, move to a safe location.</p></li><li><p>Check for injuries.</p></li><li><p>Call <a href="tel:111" rel="noopener noreferrer nofollow">111</a> if anyone is injured or unsafe.</p></li><li><p>Exchange details with the other driver(s).</p></li><li><p>Collect evidence and witness details.</p></li><li><p>Arrange towing if the vehicle is undriveable.</p></li></ol><p>If the accident wasn't your fault and the driver who caused it is insured, you may be eligible for an accident replacement vehicle from Right2Drive at no cost to you, while your vehicle is off the road. Click <a href="https://www.right2drive.co.nz/application-your-details" rel="noopener noreferrer nofollow">here</a> to apply or call <a href="tel:0800004203" rel="noopener noreferrer nofollow">0800 004 203</a>.</p><h2>Information to Collect</h2><ul><li><p><strong>Circumstances:</strong> Agree on what happened and who caused the accident.</p></li><li><p><strong>Other Driver:</strong> Full name, Driver Licence (take photo), mobile number, email, residential address.</p></li><li><p><strong>Other Driver's Vehicle:</strong> Car registration (take photo), make, model and colour, insurance provider name and policy number.</p></li><li><p><strong>Photographs &amp; Videos:</strong> Video/dashcam accident footage, both vehicles, accident location, weather or road conditions.</p></li><li><p><strong>Witnesses:</strong> Statement (if possible).</p></li></ul><h2>Step-by-Step Guide</h2><h3>Step 1: Stop and Be Safe</h3><ul><li><p>Stop and, if possible, move to a safe location.</p></li><li><p>Turn off your ignition and turn on your hazard lights.</p></li><li><p>Stay calm. Remember, you have this guide to help you.</p></li><li><p>If there is a safety risk, call <a href="tel:111" rel="noopener noreferrer nofollow">111</a> and request Police.</p></li><li><p>Pin your location on your map app and screenshot it (to help confirm time and location later).</p></li></ul><p><strong>Tip:</strong> You are legally required to stop, assist injured persons, and provide your details to all other involved parties.</p><h3>Step 2: Check for Injuries</h3><p>If anyone is injured, call <a href="tel:111" rel="noopener noreferrer nofollow">111</a> immediately and request an Ambulance.</p><h3>When Do You Need to Call Police After a Car Accident in New Zealand?</h3><p>Not every car accident needs to be reported to police, but there are several situations where you must call <a href="tel:111" rel="noopener noreferrer nofollow">111</a> and request Police attendance:</p><ul><li><p>Someone is injured, in danger, or intoxicated.</p></li><li><p>A vehicle requires towing.</p></li><li><p>There is damage to unattended property (e.g. a parked car or fence).</p></li><li><p>A driver fails to provide their details.</p></li><li><p>There is an injury, death, or damage to an unattended vehicle or property.</p></li></ul><p>For full reporting requirements, visit the New Zealand Police website: <a href="police.govt.nz" rel="noopener noreferrer nofollow" data-link-auto="">police.govt.nz</a></p><h3>Step 3: Gather Accident Details</h3><ul><li><p><strong>Circumstances:</strong> Discuss how the accident happened and agree (if you can) on who caused it.</p></li><li><p><strong>Photograph Vehicles:</strong> Take photos of the other driver's rego number plate, both vehicles in full, and the accident location (including road signs and traffic lights).</p></li><li><p><strong>Video Evidence:</strong> Capture any video evidence and dashcam footage if available.</p></li><li><p><strong>Witness Statement:</strong> If witnesses saw the accident, ask them for a statement of what happened along with their full name, phone number, email and address.</p></li></ul><p><strong>Tips:</strong> 1. Note and photograph any weather, road conditions or skid marks (helpful for establishing fault). 2. Recording a conversation is legally permitted in New Zealand but let the other people involved know you are recording to avoid any misunderstanding. Find out more <a href="https://www.consumerprotection.govt.nz/general-help/consumer-laws/privacy-act" rel="noopener noreferrer nofollow">here</a>.</p><h3>Step 4: Gather the Other Driver's Details</h3><p>Swap information with the other driver(s) from a safe place away from traffic.</p><ul><li><p><strong>Full Name &amp; Driver Licence:</strong> Collect their full name, residential address and driver licence details.</p></li><li><p><strong>Contact Details:</strong> Mobile number (consider calling to confirm it is correct) and preferably an email address.</p></li><li><p><strong>Vehicle &amp; Insurance Info:</strong> Their car registration, insurance provider name and policy number, plus make, model and colour.</p></li></ul><p><strong>Tip:</strong> It may be easier to take a photo of their licence (front and back). If there are any driving conditions listed (e.g. must wear glasses), note whether the driver is complying.</p><h3>Step 5: Towing Your Vehicle</h3><p>If your vehicle is undriveable or unroadworthy, you will need to arrange a towing service. Be mindful of towing distance, as costs can vary considerably.</p><h3>Step 6: Getting Your Replacement Vehicle</h3><p>Work out how you're going to get to a safe and convenient location. You may phone family or a friend, or order a taxi or rideshare.<br><br>If the accident was caused by another insured driver, you are most likely eligible for an accident replacement vehicle from Right2Drive. There will be no cost to you as the hire costs are covered by the other driver's insurer. You'd have access to a vehicle suitable to your needs for as long as your vehicle is being repaired, or until it is declared a write-off and you receive payment.<br><br>Click <a href="https://www.right2drive.co.nz/application-your-details" rel="noopener noreferrer nofollow">here</a> or call <a href="tel:0800004203" rel="noopener noreferrer nofollow">0800 004 203</a> to apply for an accident replacement vehicle while your vehicle is off the road, at no cost to you.<br><br>If your vehicle needs to be towed, phone Right2Drive on <a href="tel:0800004203" rel="noopener noreferrer nofollow">0800 004 203</a> before the vehicle is towed. The tow truck driver may offer to do this for you, which is also fine. You may be able to get a lift with the tow truck driver to where your vehicle is being towed. Right2Drive may be able to deliver your replacement vehicle there for you, or possibly to the accident scene.<br><br>If you caused the accident or the driver who caused it isn't insured, you will need to arrange your own car hire, which you'll need to pay for.</p><h2>Be Prepared Before an Accident</h2><p>Now that we've walked through a step-by-step guide to a vehicle accident, here is how you can proactively be prepared.</p><ul><li><p>Always carry your driver licence when driving (physical or digital).</p></li><li><p>Ensure your phone has battery when driving (carry a working charging cable) and the screen is legible.</p></li><li><p>Download a reliable map app such as <a href="https://www.google.com/maps/@-37.8103136,144.9623552,14z?entry=ttu&amp;g_ep=EgoyMDI2MDYwMy4xIKXMDSoASAFQAw%3D%3D" rel="noopener noreferrer nofollow">Google Maps</a> | <a href="https://maps.apple.com/" rel="noopener noreferrer nofollow">Apple Maps</a> | <a href="https://www.waze.com/" rel="noopener noreferrer nofollow">Waze</a>.</p></li><li><p>If you have comprehensive insurance, print a copy and keep it in your glove box. Know what your policy covers for accidents and towing.</p></li><li><p>If you have Roadside Assistance, keep your membership card handy or printed details in your vehicle. Understand what your membership covers for an accident tow.</p></li><li><p>Save Right2Drive's number: <a href="tel:0800004203" rel="noopener noreferrer nofollow">0800 004 203 </a>or download our Accident Guide Contact V-Card to save to your smart phone. It includes our contact details, a quick check list, a list of details for you to gather at the accident scene, and a hyperlink to this detailed Accident Guide.</p></li></ul><p><em>Please note: you'll need to save it as a contact on your device to view all information and details. vCards are most user-friendly on a mobile phone. For the best experience, we recommend opening this link on your device.</em></p><div class="__editor_html"><a href="https://cloud.squidex.io/api/assets/right2drive/64ed7d03-988d-451d-9d53-96c16bdc7b63/right2drive-nz-accident-guide.vcf?version=0" download="right2drive-nz-accident-guide.vcf" style="text-decoration:underline;">Download my contact card</a>
</div><h2>What to Do Post Accident</h2><p>Here's a quick overview of what to do after you've left the accident.</p><ol><li><p>Dial <a href="tel:555" rel="noopener noreferrer nofollow">555</a> to report the accident or report <a href="https://www.police.govt.nz/use-105" rel="noopener noreferrer nofollow">online.</a></p></li><li><p>Decide how to claim — depending on who caused the accident.</p></li><li><p>Notify your insurer (if you have comprehensive insurance).</p></li><li><p>Pay the vehicle $ excess (or receive confirmation that the insurer will waive the excess).</p></li><li><p>Get your vehicle assessed.</p></li><li><p>Repair or Write-off confirmation &amp; next steps.</p></li><li><p>Book an accident replacement hire car for while your car is off the road.</p></li><li><p>Recover against the At-Fault driver (if it wasn't your fault).</p></li><li><p>Track the claim.</p></li></ol><p>Click <a href="https://www.right2drive.co.nz/articles/what-to-do-after-the-accident-has-happened-and-youve-left-the-accident-scene-nz" rel="noopener noreferrer nofollow">here</a> for a more detailed step-by-step guideline on how to go about this.</p><h2>Frequently Asked Questions</h2><p>Quick answers to the questions New Zealand drivers ask most often after a car accident.</p><h3>Am I legally required to stop after a car accident in New Zealand?</h3><p>Yes. Under New Zealand law, drivers involved in a car accident are legally required to stop, find out whether anyone has been injured, assist them, and provide their details to all other parties involved. Failing to stop is a serious offence and may be treated as a hit-and-run.</p><h3>What details should I exchange after a car accident?</h3><p>At a minimum, exchange your full name, residential address, mobile number, driver licence details, vehicle registration, and the name of your insurer along with your policy number. Taking a photo of the other driver's licence (front and back) and number plate is the fastest way to make sure you have everything correct.</p><h3>Do I need to report a minor car accident to police in New Zealand?</h3><p>Not always. You are required by law to report the accident to police if there is an injury, death, or damage to an unattended vehicle or property. If you are unsure, it is safer to report than not. Visit <a href="police.govt.nz" rel="noopener noreferrer nofollow" data-link-auto="">police.govt.nz</a> for the current rules.</p><h3>When do I need to call police after a car accident?</h3><p>Call <a href="tel:111" rel="noopener noreferrer nofollow">111</a> and request police if anyone is injured, in danger, or intoxicated, if a vehicle needs to be towed, if unattended property has been damaged (such as a parked car or fence), or if any driver refuses to share their details. If you're unsure, it's always safer to call than not.</p><h3>Can I get a free replacement car if the accident wasn't my fault?</h3><p>If the at-fault driver is insured, you may be eligible for an accident replacement vehicle from Right2Drive at no cost to you. The hire costs are recovered from the at-fault driver's insurer, and you keep the replacement vehicle for as long as your car is being repaired or until it is declared a write-off. Call <a href="tel:0800004203" rel="noopener noreferrer nofollow">0800 004 203</a> or <a href="https://www.right2drive.co.nz/application-your-details" rel="noopener noreferrer nofollow">apply</a> online to check eligibility.</p><h3>What if the other driver doesn't have insurance?</h3><p>If the other driver is uninsured, getting your repairs paid for becomes harder. Here's how to approach it.</p><ol><li><p>Collect their details thoroughly — full name, address, date of birth, licence number, rego and a working mobile (call it on the spot to confirm), plus a photo of the front and back of their licence.&nbsp;</p></li><li><p>If They Refuse to Provide Details, Call <a href="tel:111" rel="noopener noreferrer nofollow">111</a> — a police record strengthens your position later.</p></li><li><p>From there, your recovery options depend on your own cover:</p></li></ol><ul><li><p>Comprehensive insurance lets you claim through your insurer (you'll usually pay the excess up front and they may recover it for you).</p></li><li><p>Third party property policies may include an uninsured motorist extension up to a set limit and if you are uninsured yourself, you can pursue the at-fault driver directly via a Letter of Demand or the Disputes Tribunal.</p></li></ul><p>A replacement vehicle through Right2Drive's standard no-cost service generally isn't available when the at-fault driver is uninsured, but it's still worth calling <a href="tel:0800004203" rel="noopener noreferrer nofollow">0800 004 203</a> to talk through your options.<br><br>Click <a href="https://www.right2drive.co.nz/articles/what-if-the-other-driver-doesnt-have-insurance-nz" rel="noopener noreferrer nofollow">here</a> for a more detailed guide.</p><h3>What should I do if the other driver drives off after the accident?</h3><p>Don't chase the vehicle. Stay at the scene and immediately note the registration number, make, model, colour and direction of travel. Look for witnesses and nearby CCTV, take photos of any damage or debris, and report the incident to police as soon as possible. You'll need a police event number for any insurance claim. Visit police.govt.nz to report.<br><br>Click <a href="https://www.right2drive.co.nz/articles/what-to-do-if-the-other-driver-leaves-the-scene-nz" rel="noopener noreferrer nofollow">here</a> for more detail about what to do.</p><h3>What should I avoid saying at the scene of a car accident?</h3><p>Stick to the facts and avoid speculating about who was at fault or apologising in a way that sounds like an admission of fault. Don't agree to settle privately, don't share extra details about your insurance policy beyond your insurer's name and policy number, and don't sign anything you haven't read carefully. Establishing fault is your insurer's job, not yours.<br><br>You can download our full NZ guide here: <a href="https://cloud.squidex.io/api/assets/right2drive/5c6c8cfa-0fdd-4ff4-bcc7-4c88a160bd0e/nz-r2d088-accident-guide-v2.pdf" rel="noopener noreferrer nofollow">NZ R2D088 Accident Guide_v2.pdf</a></p>

What If the Other Driver Doesn’t Have Insurance?

<h2>What If the Other Driver Doesn’t Have Insurance?</h2><p>Unlike many countries, car insurance is not compulsory in New Zealand. Estimates suggest around 8.5% of vehicles on New Zealand roads are uninsured.</p><p>If the driver who caused the accident isn't insured, recovering the cost of your repairs is more complicated — but you still have options.</p><h2>Get Their Details — all of Them</h2><p>An uninsured driver is the situation where collecting full and accurate details matters most. As well as the usual information (full name, address, driver licence, rego, make, model, colour), confirm:</p><ul><li><p>Their date of birth (it's on their driver licence)</p></li><li><p>A working mobile number — call it on the spot to confirm</p></li><li><p>An email address</p></li><li><p>Whether they own the vehicle or are driving someone else's (the owner may be liable too)</p></li></ul><p>Take a photo of the front and back of their driver licence. Without accurate details, recovering money from an uninsured driver becomes very difficult.</p><h2>Call Police</h2><p>If a driver is uninsured and unwilling to provide their details, call <a href="tel:111" rel="noopener noreferrer nofollow">111</a> and request Police. Police attendance creates an official record of the accident, which strengthens your position later. For non-emergencies, you can also report via <a href="tel:105" rel="noopener noreferrer nofollow">105</a> or their <a href="https://www.police.govt.nz/use-105" rel="noopener noreferrer nofollow">website</a>.</p><h2>Your Options for Getting Paid</h2><h3></h3><ul><li><p>If you have comprehensive insurance, lodge a claim with your own insurer. You'll usually have to pay the excess up front, but your insurer may pursue the uninsured driver to recover costs and refund you.</p></li><li><p>If you only have third party insurance, check whether your policy includes an uninsured motorist extension — some NZ policies include this up to a set limit. Check your policy wording or call your insurer to confirm.</p></li><li><p>If you’re uninsured yourself, you can pursue the at-fault driver directly for repair costs, usually through a Letter of Demand and if that doesn't resolve it, you can file a claim through the Disputes Tribunal.</p></li></ul><h2>The Disputes Tribunal</h2><p>The Disputes Tribunal is quicker, cheaper and less formal than court, and you can claim up to $60,000.</p><p>You usually represent yourself — no lawyer required.</p><h2>What About ACC?</h2><p>ACC covers personal injury from motor vehicle accidents in New Zealand regardless of fault — but it does not cover vehicle damage or property loss. If you or anyone else was physically injured in the accident, make sure an ACC claim is lodged separately.</p><h2>Can I Still Get a Replacement Vehicle?</h2><p>Right2Drive's no-cost accident replacement vehicle is recovered from the at-fault driver's insurer, so an uninsured at-fault driver usually means we can't offer the service in the standard way. That said, every situation is different — call <a href="tel:0800004203" rel="noopener noreferrer nofollow">0800 004 203</a> and we'll talk you through your options before you commit to anything.</p><p></p>

What to Do If the Other Driver Leaves the Scene (Hit-and-Run)

<h2>Is It Illegal to Leave the Scene of a Car Accident in New Zealand?</h2><p>If the other driver drives off after a car accident — even a minor one — it's considered a hit-and-run. Under the Land Transport Act 1998, a driver involved in an accident must stop, check whether anyone has been injured, and render all practicable assistance to any injured persons. Failing to do so is a criminal offence in New Zealand.</p><p>Knowing what to do next can help protect your safety, support an insurance claim, and improve the chances of identifying the other driver.</p><h2>Don't Chase the Other Vehicle</h2><p>It may be tempting to follow the other driver, but chasing a vehicle after an accident is unsafe and can put you and other road users at risk. It may also affect your insurance position. Instead, stay at the scene and focus on gathering evidence.</p><h2>Gather as Much Information as Possible</h2><h3>Record the Other Vehicle's Details</h3><ul><li><p>Registration number (rego)</p></li><li><p>Vehicle make and model</p></li><li><p>Vehicle colour</p></li><li><p>Any visible damage or distinguishing features</p></li></ul><h3>Note Which Direction They Drove Off</h3><ul><li><p>Direction the vehicle travelled</p></li><li><p>Stickers, roof racks, tinted windows or other features</p></li><li><p>Approximate speed or behaviour if relevant</p></li></ul><h3>Remember the Driver's Appearance</h3><ul><li><p>Approximate age</p></li><li><p>Gender</p></li><li><p>Hair colour or style</p></li><li><p>Clothing or distinguishing features</p></li></ul><h3>Take Photos of the Scene</h3><ul><li><p>Damage to your vehicle</p></li><li><p>Accident location</p></li><li><p>Skid marks or debris</p></li><li><p>Broken parts or paint transfer</p></li></ul><h3>Save the Exact Location</h3><p>Pin your location in a maps app and take a screenshot to confirm the exact time and place of the incident.</p><h2>Find Witnesses</h2><p>If anyone nearby saw what happened, collect their full name, mobile number and email address. Even one witness who confirms the registration number or direction of travel can help Police or insurers identify the other driver.</p><h2>Report a Hit-and-Run Accident to Police in New Zealand</h2><h3>When to Call 111</h3><p>Call <a href="tel:111" rel="noopener noreferrer nofollow">111</a> immediately if anyone has been hurt, if you are afraid for your safety, or if cars are blocking the road.</p><h3>How to Report a Minor Hit-and-Run</h3><p>For non-emergency incidents, you can report by phone using <a href="tel:105" rel="noopener noreferrer nofollow">105</a>, online <a href="https://www.police.govt.nz/use-105" rel="noopener noreferrer nofollow">here</a>, or in person at your local station. Keep a record of your Police event number, as your insurer will likely request it.<br><br>If the accident involves an injury or death, you must report it to an enforcement officer as soon as reasonably practicable, and no later than 24 hours after the accident.</p><h2>Check for CCTV or Nearby Cameras</h2><p>Look for nearby business CCTV, traffic cameras, or residential doorbell cameras. Note their locations quickly, as footage is often overwritten within a few days. Police or insurers may be able to request access to this footage.</p><h2>Can You Still Claim Insurance After a Hit-and-Run in New Zealand?</h2><h3>If the Other Driver Is Identified</h3><p>If Police identify the other driver and they are insured, your claim is generally processed in the normal way.</p><h3>If the Driver Cannot Be Found</h3><p>Car insurance is not compulsory in New Zealand, which means some drivers on the road carry no insurance at all. If the at-fault driver cannot be identified, you may still be able to claim through your own comprehensive insurance, although an excess may apply.<br><br>For replacement vehicle eligibility after an accident, an identified and insured other driver is usually required. If you're unsure about your situation, call <a href="tel:0800004203" rel="noopener noreferrer nofollow">0800 004 203</a> to discuss your options.</p><p></p>

Right2Drive Expands Across New Zealand: Five New Locations Nationwide

<p>Right2Drive is proud to announce our expanded presence across New Zealand. Building on our established Auckland operations, we're now also serving drivers in Christchurch, Queenstown, Wanaka, Dunedin and Hawke's Bay. Since 2012, we’ve been helping everyday drivers get back on the road after accidents they didn’t cause and our growth across New Zealand allows us to support even more people when they need it most.<br><br>Being involved in a car accident is stressful enough but when it wasn’t your fault, you shouldn’t have to worry about being left without a vehicle. That’s where Right2Drive comes in. As a trusted provider of accident replacement vehicles, we ensure you have safe, reliable transport while your car is being repaired all at no cost to you with the costs are covered by the other driver’s insurer. Our goal is simple: to make a challenging time as smooth and convenient as possible.<br><br>Whether you need a practical car to get to work, a vehicle to keep your business moving, or something comfortable for a family road trip, Right2Drive has you covered. Our fleet is meticulously maintained, ensuring safety, reliability and convenience for every customer.</p><p></p><h3><strong>Proven Expertise Since 2012</strong></h3><p>Over the past decade, Right2Drive has helped more than 300,000 drivers in getting back on the road after accidents they didn’t cause. Our experience and dedication mean we understand what drivers need during this stressful time and we deliver solutions that make a difference.<br><br>We’ve built a reputation for:</p><ul><li><p>Reliable service: We aim to get you into a replacement vehicle quickly, minimising disruption to your daily life.</p></li><li><p>Personalised support: Our team delivers a vehicle to your doorstep that suits your lifestyle, preferences and needs and collects the vehicle when your own is repaired or you’ve received your total loss settlement.</p></li></ul><p>Our expansion into Christchurch, Queenstown, Wanaka, Dunedin and Hawke’s Bay is a reflection of our commitment to ensuring drivers across New Zealand have access to reliable accident replacement solutions.</p><p></p><h3><strong>Your Rights After an Accident</strong></h3><p>It’s important for drivers to know their rights. If you’ve been involved in an accident that wasn’t your fault, you may be entitled to an accident replacement vehicle at no cost to you. The costs of this replacement are covered by the other driver’s insurer, meaning you all you need to think about is covering your usual fuel and tolls expenses!<br><br>Right2Drive makes it straightforward to get what you're entitled to. From choosing a suitable vehicle to recovering the cost of the hire from the other driver’s insurer, we handle the process so you can focus on getting back to your routine.</p><p></p><h3><strong>Local Knowledge, National Support</strong></h3><p>Our team in each location brings local knowledge backed by over a decade of national expertise. Whether you’re navigating city streets in Wellington, commuting in Christchurch or exploring the roads around Wanaka, we understand the specific needs of drivers in each region. With our original Auckland location now joined by Christchurch, Queenstown, Wanaka, Dunedin and Hawke's Bay, support is never far away.</p><p><img alt="" src="https://cloud.squidex.io/api/assets/right2drive/cb11680c-40e9-4a24-84f0-0a1334e2b6ad/image.png" title="" resizable="false"></p><p></p><h3><strong>Looking Ahead</strong></h3><p>Right2Drive is more than a replacement vehicle provider, we're a partner for drivers navigating one of life's most inconvenient moments. Our expansion across New Zealand reflects our ongoing commitment to putting drivers first and ensuring access to safe, reliable, suitable vehicles when it matters most.<br><br>With operations now in Auckland, Christchurch, Queenstown, Wanaka, Dunedin and Hawke’s Bay, more drivers across the country can access Right2Drive’s trusted accident replacement service.<br><br>With our Auckland base now supported by five new locations – Christchurch, Queenstown, Wanaka, Dunedin and Hawke's Bay – more drivers across the country can access Right2Drive's trusted accident replacement service.<br><br><strong>Ready to get back on the road?</strong> If you've been in an accident that wasn't your fault, contact Right2Drive today. Call <strong>0800 004 203</strong> or visit <strong>right2drive.co.nz</strong> for support from our local teams across New Zealand. <img alt="" src="https://cloud.squidex.io/api/assets/right2drive/b99ef338-04f7-4365-aed8-9c20f0df19fe/image.png" title="" resizable="false"></p>

What Happens if an Excluded Driver Crashes Your Car?

<p>A critical aspect often overlooked in insurance policies is the concept of the ‘excluded driver’ in your policy. This article sheds light on this crucial term. What does it mean when you exclude a driver from your policy, and what happens if they end up driving and causing an accident? We’re here to guide you through these scenarios, focusing on both at-fault and not-at-fault situations, to help you navigate these complex issues with ease.</p><h2>What is an Excluded Driver?</h2><p>In the world of car insurance, an ‘excluded driver’ is someone you’ve specifically identified in your policy as <em>not</em> being insured to drive your vehicle. This might be due to their risky driving record or to help lower your premiums. But this decision carries weight.</p><p>It means that if this person drives your car and is involved in an accident, your insurer won’t be footing the bill. As a policyholder, it’s crucial to understand the implications of this – it’s not just about who drives your car, but also about managing potential risks and ensuring you’re fully aware of the terms of your insurance agreement.</p><h2>Handling Car Repairs Post-accident</h2><p>Dealing with car repairs after an accident involving an excluded driver can be challenging, especially without the cushion of insurance. Here’s how to handle the situation:</p><ul><li><p><strong>Assessing the Damage:</strong> Firstly, get a professional assessment of the damage to your car. This will give you a clear picture of the repair costs.</p></li><li><p><strong>Exploring Repair Options:</strong> If your insurance doesn’t cover the damages, you’ll need to explore other options. This might involve paying out of pocket or finding a repair service that offers reasonable rates for quality work.</p></li><li><p><strong>Understanding Policy Details:</strong> It’s essential to understand the specific terms and exclusions of your <a href="https://www.right2drive.com.au/articles/understanding-car-insurance-claims-in-australia" rel="noopener noreferrer nofollow">insurance policy</a>. This knowledge can guide you in making informed decisions about car repairs and future insurance coverage.</p></li></ul><p><img alt="A young man, dressed in a blue shirt, sits in front of a car with the hood open, revealing the engine compartment. He looks concerned while looking at his smartphone, possibly searching for a solution to a car problem or calling for assistance." src="https://www.right2drive.com.au/wp-content/uploads/Excluded-Driver.jpg" title="" resizable="false"></p><h3>Excluded Driver Not at Fault</h3><p>For excluded drivers involved in a not-at-fault car accident, Right2Drive offers significant benefits by providing a like-for-like accident loan car. The service is particularly advantageous as it ensures the owner receives a vehicle similar to one being driven, rather than a smaller or unsuitable car that you might get from other rental companies. One of the key benefits is that Right2Drive recovers the rental costs directly from the at-fault party’s insurance company.</p><h2>Preventive Measures and Best Practices</h2><p>Prevention is always better than cure, especially when it comes to insurance policies and excluded drivers. Here are some tips:</p><ul><li><p><strong>Clear Communication:</strong> Ensure that everyone who might use your vehicle understands the insurance policy’s terms, especially regarding excluded drivers.</p></li><li><p><strong>Regular Policy Reviews:</strong> Keep your policy up to date. Regularly reviewing your policy can help you understand your coverage and make necessary changes.</p></li><li><p><strong>Consider All Risks:</strong> Before deciding to exclude a driver, weigh the potential savings against the risks. It might be cheaper in the long run to pay a higher premium than to face the financial fallout of an accident.</p></li></ul><h3>Conclusion</h3><p>Understanding the role and implications of an excluded driver in your car insurance policy is crucial. While excluding a driver might seem like a good way to save on premiums, it’s important to be fully aware of the potential consequences.</p><p>Always stay informed about your policy’s terms, communicate these to all potential drivers of your vehicle, and regularly review your insurance coverage to ensure it meets your needs. Remember, in the realm of car insurance, being prepared and knowledgeable is your best defence.</p>

Not At Fault after An Accident?

When you are involved in a motor vehicle accident with no fault of your own, you should Collect details from the other driver, such as their name, address, phone number, vehicle licence, and witness details. Document the accident by taking photos, notes, and gathering evidence. Inform the insurance company and seek legal advice on getting your insurance policy.

What details should I take when I’m involved in a not at fault accident without insurance?

The other driver will be at fault if they do not follow road rules. If there is enough evidence to show their actions directly contributed to the collision, or there have been traffic law violations, such as speeding or running a red light, the other driver will be charged.

How is a driver deemed at fault for an accident?

If you are an uninsured driver, you are at greater risk of sustaining damages. Even if you make a valid claim and the other driver agrees to pay for the damages, your personal coverage will exceed the regular damages and cover medical expenses, lost wages, and property damage. Seek legal aid before making claims from the other driver or at fault party.

If the at fault driver pays anyway, why do I need insurance?

Before you hire a car for personal use, get legal advice to understand your insurance needs. There is third-party car insurance and comprehensive car insurance. Lawyers can help you compare the plans, add-ons, and claim process and understand the fine print.

What type of car insurance should I take out?

In Australia, Compulsory Third Party (CTP) insurance is mandatory for all registered vehicles to cover injury liability. Even if you were not at fault for the accident, you will be fined and penalised for driving without this insurance. These penalties vary across states.

Are there fines or penalties for car accident no insurance not at fault?

What to Do if You’re Not at Fault in a Car Accident and Don’t Have Insurance

<p>Being involved in a not at fault car accident is stressful enough without the sinking realisation that you have been in a car accident with no insurance policy to cover the cost of repairs and an accident loan car. But are you aware that if you’re not at fault in a car accident, you’re entitled to recover the damages that result from the other driver or at fault party’s negligence?</p><p>Depending on the severity of the accident and the damage caused, you may be left without a way to get around while your vehicle is in for repairs, whether you have an insurance policy or not. But the good news is that you have rights under Australian law, and Right2Drive is here to make sure that motorists understand and can enforce these rights after a not at fault accident.</p><h2>What to Do If You’re Involved in a Not at Fault Car Accident Without Insurance</h2><p>The steps you take after an accident will directly affect the process for vehicle repairs and insurance and liability discussions. Knowing what to do will help you protect your position.</p><h3>Collect All the Details From the Other Person</h3><p>According to the Australian Financial Complaints Authority (AFCA), the first thing you should do after an accident is collect details from the other party. To make a claim, note their name, licence plate number, and insurance details, and ask witnesses for statements.</p><h3>Get a Repair Quote Quickly</h3><p>Before you approach the insurance company, analyse the severity of the accident and your liabilities so you can make a claim for the damaged vehicle. Sudden collisions can severely impact the engine. Consult a professional for the correct car costs so that you can file an insurance claim immediately.&nbsp;</p><h3>Check The Repairs To Make Sure You’re Happy</h3><p>Once you have determined the repair costs, hire a car mechanic for the necessary repairs. Carefully check the parts and verify that the repairs meet your expectations. Next, test the parts to ensure no problem persists. Finally, ask for the old parts and compare the bill with the estimate.&nbsp;&nbsp;</p><h3>Think About Getting Full Car Insurance</h3><p>When you have your own car, a comprehensive insurance policy is essentially an investment. It includes third-party liability, own damage coverage, personal accident cover, extensive protection and add-ons. So, seek legal advice to upgrade your car insurance policy.</p><h3>What If the At-Fault Driver Refuses to Accept Responsibility?</h3><p>The at-fault driver may deny responsibility, which frequently happens after an accident. Though this is stressful, it does not weaken your position in any way. Evidence such as photos of the accident site, vehicle damage, police report, and witness statements are reviewed to determine fault.&nbsp;</p><p>So, even if liability disputes arise in the beginning, facts (gathered through evidence) can help change that opinion or assessment. If you are not at fault, you can request a replacement vehicle from Right2Drive after liability is established.&nbsp;</p><h3>Can I File a Claim Directly With the Other Driver’s Insurance?</h3><p>You cannot file a claim directly with the other driver’s insurer, as they do not have a contract with you. If the other driver has filed a claim, you can ask them for their insurer’s contact information and the claim number or find the insurer’s details on the AFCA’s website.</p><p>You must rely on the at-fault driver’s insurer to approve and pay for the damage to your vehicle. This process can be delayed if liability is disputed. You can send the insurance provider a letter of demand outlining what happened, who you believe was responsible, and the costs you are asking to recover.</p><p>According to the Financial Rights Legal Centre, if the insurer refuses or you cannot reach an agreement with them, you can complain to the AFCA if the damage is less than $19,000 and the other driver has claimed on their insurance. If you suffered personal injuries, you can work with a lawyer to file an injury claim for recovering compensation. They can also help establish liability.</p><p>The at fault driver or their insurer must accept liability before costs can be settled or paid out. After this, Right2Drive can arrange a replacement vehicle for you and recover the cost directly from the at-fault party’s insurer.</p><h3>What Are My Rights When Making A Claim Against Another Driver?</h3><p>If you were not at fault, laws in Australia protect your right to have your vehicle repaired or replaced, enabling you to go back to your pre-accident condition. This means that when the repairs are underway, you can get a comparable replacement that you can use until you receive your vehicle or the insurance settlement.</p><p>This way, you are not disadvantaged due to the accident and can continue to manage your routine tasks until your car is ready for use again. Right2Drive is dedicated to helping not at fault drivers exercise these rights.</p><h2>Am I Eligible for an Accident Loan Car If the Accident Wasn’t My Fault and I Don’t Have Any Insurance?</h2><p>If you find yourself in a not at fault car accident without insurance, you may still be eligible for an accident replacement vehicle for the duration of your repairs, or in the event of a total loss, you can keep the accident loan car until you receive the settlement on your damaged vehicle.</p><h2>If I Don’t Have Car Insurance, Who Pays for the Accident Replacement Vehicle?</h2><p>When you’ve been in a not at fault accident and are an uninsured driver, you may be wondering how the cost of the vehicle will be recovered or how to make a claim. As Australia’s leading accident loan car provider, we uphold your right to drive by getting you back on the road quickly in a relatively similar vehicle and recovering the cost through the at fault party or other driver’s insurance.</p><h2>Even Without Insurance, Do I Still Get an Accident Loan Car at No Cost?</h2><p>Under our agreement with you as the not at fault driver, you won’t be liable for the rental costs even with no insurance as long as you are not at fault, assist us in recovering the repair costs from the at fault party or their insurer, and otherwise act in accordance with the terms and conditions of our agreement.</p><h2>Is There Anything I’ll Need to Pay For?</h2><p>You are responsible for vehicle use costs such as:</p><ul><li><p>Fuel</p></li><li><p>Tolls (and their related administrative fees)</p></li><li><p>Traffic or parking infringements (and their related administrative fees).</p></li></ul><p>You will need to pay for these additional items as you would in your own car. The at fault insurer will not cover these costs.</p><p>In some circumstances, you may also be required to pay costs for:</p><ul><li><p>Cleaning if you return our vehicle in poor condition.</p></li><li><p>Unacceptable wear and tear.</p></li><li><p>Excess or damage if you damage our vehicle and do not abide by the terms and conditions of our agreement.</p></li></ul><h2>Get Back On The Road Quickly with Right2Drive</h2><p>If you’ve been involved in a not at fault motor vehicle accident, whether you have your own car insurance or not—we may be able to assist you with an accident replacement vehicle while your own car is off the road. Apply now to find out if we can help you hire a car while you get legal advice and manage other things.</p><h2>Frequently Asked Questions (FAQs)</h2><h3>What details should I take when I’m involved in a not at fault accident without insurance?</h3><p>When you are involved in a motor vehicle accident with no fault of your own, you should</p><ul><li><p>Collect details from the other driver, such as their name, address, phone number, vehicle licence, and witness details.</p></li><li><p>Document the accident by taking photos, notes, and gathering evidence.</p></li><li><p>Inform the insurance company and seek legal advice on getting your insurance policy.</p></li></ul><h3>How is a driver deemed at fault for an accident?</h3><p>The other driver will be at fault if they do not follow road rules. If there is enough evidence to show their actions directly contributed to the collision, or there have been traffic law violations, such as speeding or running a red light, the other driver will be charged.</p><h3>If the at fault driver pays anyway, why do I need insurance?</h3><p>If you are an uninsured driver, you are at greater risk of sustaining damages. Even if you make a valid claim and the other driver agrees to pay for the damages, your personal coverage will exceed the regular damages and cover medical expenses, lost wages, and property damage. Seek legal aid before making claims from the other driver or at fault party.</p><h3>What type of car insurance should I take out?</h3><p>Before you hire a car for personal use, get legal advice to understand your insurance needs. There is third-party car insurance and comprehensive car insurance. Lawyers can help you compare the plans, add-ons, and claim process and understand the fine print.</p><h3>Are there fines or penalties for car accident no insurance not at fault?</h3><p>In Australia, Compulsory Third Party (CTP) insurance is mandatory for all registered vehicles to cover injury liability. Even if you were not at fault for the accident, you will be fined and penalised for driving without this insurance. These penalties vary across states.</p>

Legal Right To Pre-Accident State

Safe Driving Tips For The Festive Season

<p>As a proud partner of the Australian Road Safety Foundation (ARSF), Right2Drive is promoting their&nbsp;<em>Make it Home for Christmas&nbsp;</em>campaign. During the months of December 2021 and January 2022, 200 people lost their lives on Australian roads. Having a road accident, whether at fault or not, is an extremely stressful and potentially life-changing event. We’d like to take this opportunity to urge all road users to take extra care over the festive season to prevent loss of life. Below are a few road safety tips to follow this holiday season.</p><p><img alt="" src="https://www.right2drive.com.au/wp-content/uploads/2022.12.20-Blog-Post-Image-1.jpg" title="" resizable="false"></p><h2>Check Your Vehicle Before You Go</h2><p>If you’re planning a road trip, make sure your vehicle is in the right condition to be on the road. Are your brakes working correctly? Have all the fluid levels been checked and topped up? Are your tyres roadworthy? Are all your lights and windscreen wipers functioning properly? Taking your vehicle in for a service before you take a trip helps to ensure that everything is in good working condition and can help prevent break downs and accidents on the roads.</p><h2>Plan Your Route Before You Get Behind the Wheel</h2><p>Driving on unfamiliar roads can be stressful and sometimes the GPS doesn’t always select the best route for you. It’s advisable to familiarise yourself with the route before you set out so you can be more prepared for the type of driving you can expect. It also minimises the need to adjust the GPS while you’re driving and allows you to stay focused on the road ahead.</p><h2>Make Sure You’ve Had Plenty of Sleep</h2><p>With many people returning home or visiting family over the holidays, there seems to be increased pressure to arrive at a destination by a certain time. But waking up early to arrive at a destination earlier and getting fewer hours of sleep is not the best idea. Remember that&nbsp;<a href="https://www.sleepfoundation.org/sleep-deprivation/sleep-deprivation-and-reaction-time#:~:text=When%20we're%20underslept%2C%20our,and%20an%20increased%20reaction%20time." rel="noopener noreferrer nofollow">when you’ve had less sleep, your reaction times to external stimuli are slower,</a>&nbsp;which could make you more susceptible to an accident. Make sure you’ve had plenty of quality sleep before you get behind the wheel.</p><h2>Be Realistic With Your Travel Times And Follow the Rules of the Road</h2><p>When travelling over the festive season, there are going to be more road users, resulting in more traffic and slower travel times. It’s best to plan ahead and factor this into your journey instead of becoming frustrated while on the road. Avoid rushing and making rash decisions when driving. The road rules are there for a reason and you should always follow them. Make sure you know the rules if you’re travelling interstate – they may differ across Australian states and territories.</p><p><img alt="" src="https://www.right2drive.com.au/wp-content/uploads/2022.12.20-Blog-Post-Image-2.jpg" title="" resizable="false"></p><h2>Take Regular Breaks</h2><p>It’s best to stop often when taking a long road trip. The<a href="https://www.qld.gov.au/transport/safety/holiday-travel/long-trips#:~:text=You%20should%20take%20a%20break,pull%20into%20on%20your%20journey." rel="noopener noreferrer nofollow">&nbsp;Queensland Government</a>&nbsp;recommends taking a break every 2 hours and not driving for more than 8 – 10 hours per day. Avoid pushing yourself and trying to fight fatigue – rather keep yourself and other road users safe by taking short breaks. Plan your stops before you drive, and make sure you stay hydrated.</p><h2>Avoid Distractions While Driving</h2><p>Keep your eyes on the road when you’re driving and make sure you’ve made adjustments to the side mirrors, seat position and sound system before you start your journey. Avoid the temptation to check your phone, even if you’re stopped at a red light or in traffic. By&nbsp;<a href="https://www.right2drive.com.au/articles/minimising-distractions-whilst-drivinghttps://www.right2drive.com.au/articles/minimising-distractions-whilst-driving" rel="noopener noreferrer nofollow">minimising your distractions on the road</a>, you have a better chance of arriving at your destination safely.</p><h2>Drive to the Conditions</h2><p>Besides following the driving rules in Australia, you should also be adapting to the different driving conditions that you encounter. Knowing how to react in foggy or misty weather, during heavy rain or when the road is icy could all prevent an accident from occurring. By driving safely in all situations, you can keep yourself and other road users safe.</p><h2>Contact Right2Drive If You’re in a Not At Fault Car Accident</h2><p>Although it’s important to follow these tips for safe driving, unfortunately, accidents do still happen. If you are involved in a not at fault car accident, Right2Drive may be able to assist you with a like-for-like accident replacement vehicle. We are open over the festive season to assist eligible drivers.</p>

<p>Having a road accident, whether at fault or not, is an extremely stressful and potentially life-changing event. We’d like to take this opportunity to urge all road users to take extra care over the festive season to prevent loss of life. Below are a few road safety tips to follow this holiday season.</p><p></p><h2>Check Your Vehicle Before You Go</h2><p>If you’re planning a road trip, make sure your vehicle is in the right condition to be on the road. Are your brakes working correctly? Have all the fluid levels been checked and topped up? Are your tyres roadworthy? Are all your lights and windscreen wipers functioning properly? Taking your vehicle in for a service before you take a trip helps to ensure that everything is in good working condition and can help prevent break downs and accidents on the roads.</p><h2>Plan Your Route Before You Get Behind the Wheel</h2><p>Driving on unfamiliar roads can be stressful and sometimes the GPS doesn’t always select the best route for you. It’s advisable to familiarise yourself with the route before you set out so you can be more prepared for the type of driving you can expect. It also minimises the need to adjust the GPS while you’re driving and allows you to stay focused on the road ahead.</p><h2>Make Sure You’ve Had Plenty of Sleep</h2><p>With many people returning home or visiting family over the holidays, there seems to be increased pressure to arrive at a destination by a certain time. But waking up early to arrive at a destination earlier and getting fewer hours of sleep is not the best idea. Remember that&nbsp;<a href="https://www.sleepfoundation.org/sleep-deprivation/sleep-deprivation-and-reaction-time#:~:text=When%20we're%20underslept%2C%20our,and%20an%20increased%20reaction%20time." rel="noopener noreferrer nofollow">when you’ve had less sleep, your reaction times to external stimuli are slower,</a>&nbsp;which could make you more susceptible to an accident. Make sure you’ve had plenty of quality sleep before you get behind the wheel.</p><h2>Be Realistic With Your Travel Times And Follow the Rules of the Road</h2><p>When travelling over the festive season, there are going to be more road users, resulting in more traffic and slower travel times. It’s best to plan ahead and factor this into your journey instead of becoming frustrated while on the road. Avoid rushing and making rash decisions when driving. The road rules are there for a reason and you should always follow them. Make sure you know the rules if you’re travelling interstate – they may differ across Australian states and territories.</p><p><img alt="It's important to take a break at least every 2 hours when you're driving. " src="https://www.right2drive.co.nz/wp-content/uploads/2022.12.20-Blog-Post-Image-2.jpg" title="" resizable="false"></p><h2>Take Regular Breaks</h2><p>It’s best to stop often when taking a long road trip. It is recommended that you take a break every 2 hours and avoid driving for more than 8 – 10 hours per day. Avoid pushing yourself and trying to fight fatigue – rather keep yourself and other road users safe by taking short breaks. Plan your stops before you drive, and make sure you stay hydrated.</p><h2>Avoid Distractions While Driving</h2><p>Keep your eyes on the road when you’re driving and make sure you’ve made adjustments to the side mirrors, seat position and sound system before you start your journey. Avoid the temptation to check your phone, even if you’re stopped at a red light or in traffic. By<a href="https://www.right2drive.com.au/articles/minimising-distractions?__hstc=204851983.b8b8f3aa107f247ef6797b9303776803.1684216087583.1691555598551.1691792805311.13&amp;__hssc=204851983.10.1691792805311&amp;__hsfp=1577540398" rel="noopener noreferrer nofollow">&nbsp;minimising your distractions on the road</a>, you have a better chance of arriving at your destination safely.</p><h2>Drive to the Conditions</h2><p>Besides following the driving rules in Australia, you should also be adapting to the different driving conditions that you encounter. Knowing how to react in foggy or misty weather, during heavy rain or when the road is icy could all prevent an accident from occurring. By driving safely in all situations, you can keep yourself and other road users safe.</p><h2>Contact Right2Drive If You’re in a Not At Fault Car Accident</h2><p>Although it’s important to follow these tips for safe driving, unfortunately, accidents do still happen. If you are involved in a not at fault car accident, Right2Drive may be able to assist you with a like-for-like accident replacement vehicle. We are open over the festive season to assist eligible drivers.</p>

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