The Most Common Car Insurance Claims in South Africa And How To Avoid Them

Driving in South Africa presents its own unique challenges, including dealing with intersections during load shedding and protecting one’s vehicle from potholes. Unforeseen incidents are not rare, but there are strategies that can be employed to steer clear of the most usual car insurance claims.

Common Car Insurance Claims

The majority of accidents occur in traffic or at intersections. Car theft and weather-related damages also frequently lead to insurance claims. Being aware of these usual scenarios and how to dodge them is vital for self-assured driving.

In this article, we’ll share guidance to enhance your road safety and diminish the likelihood of having to file a claim.

Crash at Intersection

Intersections are prone to accidents, particularly when traffic lights fail due to load shedding. Many accidents occur when drivers, pedestrians, or cyclists neglect traffic laws.

Hence, it’s imperative to inspect for vehicles entering the intersection before proceeding, even if you have the right of way.

Rear-End Accident

Rear-end collisions are a common occurrence. To prevent this, keep at least a three-second distance from the car ahead and steer clear of distractions like texting.

Adhering to road rules and adopting defensive driving can markedly cut the chance of rear-end collisions.

Unroadworthy Vehicle

Operating a vehicle that isn’t roadworthy can lead to accidents and insurance claim denials.

Conduct regular inspections to ensure all essential parts are in proper condition. Regular upkeep is essential for safe driving.

Car Theft

In South Africa, car theft is an unfortunate but preventable issue. Park in well-lit or secure areas and refrain from leaving your car in isolated locations.

Lock your car and use security measures like alarms. Consider a tracking device, and make sure your policy covers theft and hijacking.

Pothole Damage

Avoid damage from potholes by remaining vigilant, slowing down, and steering clear of abrupt actions, particularly on deteriorated roads or after rain.

Maintain tire health and be aware of concealed water-filled potholes.

Accident Due to Bad Weather

Weather-related accidents are common, especially in winter. Adapt your driving by slowing down, using headlights, and ensuring wipers are functional. Avoid flood-prone areas and check if your policy covers hail damage.

Windshield Damage

To dodge claims for windshield damage, keep a safe distance from vehicles that might fling debris and repair any cracks promptly.

Verify that glass replacement is covered in your policy, as with PMD’s Comprehensive Car Insurance Cover.

Make Sure You’re (Fully) Covered

Policies vary, so know exactly what you’re insured for. At PMD, we offer user-friendly policies and 24-hour roadside assistance on certain plans.

Enjoy Safer Driving

By implementing these straightforward tips, you can significantly minimize the probability of filing a claim. Stay attentive, drive sensibly, and revel in the assurance of knowing you’ve safeguarded yourself on South African roads. Share this knowledge to encourage safe driving in your community.

Affordable and hassle-free car insurance is essential for peace of mind. Explore our car insurance options or obtain a swift online quote today.

Disclaimer

This article outlines general information on typical car insurance claims in South Africa and ways to avoid them, but it does not cover all possible scenarios. Following this advice cannot guarantee immunity from accidents or claims.

Always choose car insurance thoughtfully and only through a certified financial services provider.