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Behavioural factors that lead to speeding when driving

Sadly, speeding remains a major cause of both road traffic accidents and fatalities in Australia. While most drivers would probably appreciate what a potential danger driving at speed is, it’s also true that almost all drivers, however infrequently and unintentionally, do exceed the speed limit.

Why do drivers speed?

There are a variety of reasons why this happens. Let’s look at some of the most common…

– Speeding can simply become a habit

Some drivers tend to operate on autopilot; it’s their normal behaviour. Often, they may not be fully aware of their actual speed.

– Speeding matches behavioural tendencies

You’ll recognise people who fall into this category. These are individuals who are always up against time pressure, or feel that they are. Their lifestyle is more chaotic than controlled. Speeding simply becomes an extension of that. They believe that driving faster than they should helps them catch up, but of course it rarely does!

– A motivation to speed

This is caused by the pressure of outside factors, either positive or negative. An example of the latter could be the salesperson who is late for an important client meeting. For the former, it’s the family who don’t want to miss the kick-off at a sporting event.

– Complying with expected behaviour

Here, a driver might find themselves in a situation where many other motorists are exceeding the limit. They simply fit in with the crowd. Another possibility is having an assertive passenger – whether regularly or as a one-off – who encourages or even demands that the driver increases their speed.

Understanding the possibilities can help you assess whether you fall into one of the above categories – and how frequently. With this knowledge, you can then decide how to amend your own behaviours.

It’s still possible to be an innocent accident victim

Whether due to speed, or other factors, it’s still possible to be the victim of an accident that is not your fault. In such circumstances, under Australian Law, you are entitled to a replacement courtesy car, if yours in a repair shop. Should this happen to you, contact our Not My Fault team as soon as possible and set us to work on your behalf…

Safety devices you can buy for your car

As unfortunate as it is, car accidents do happen. To help you stay safe on the road, let’s have a look at a few nifty gadgets you can buy today.


While not a safety item in the direct sense, a dashcam can be extremely valuable, especially during a not-at-fault car accident. In the case that a dispute arises from your insurance claim, video evidence of the accident happening in real-time is going to be extremely hard to counter. There are plenty of brands, storage sizes and qualities out there to suit all needs, so make sure you do your research.

Additional cameras/sensors

Although many modern cars come with the now-standard ‘reverse camera’, if you are driving a secondhand car, it’s likely you don’t enjoy this luxury. Fortunately, there are plenty of options on the market to assist with this. A common option is a reverse camera that ‘appears’ in your rearview mirror. Combined with relevant sensors for parking purposes, you can prevent minor bumps very easily.

Blindspot detector

The infamous blindspot is called that for a reason, but what if we could install some technology to cover it for us? Some modern cars will come with a blindspot detector, but for under $500, you can get a system that will alert you with lights, sounds, or both, when there is a car in your blind spot. This can assist with things like reaction time and decision making, helping to avoid accidents.

Forward collision warning systems

In a similar vein to the blind spot system, a forward collision detector monitors your vehicle’s speed, the speed of the vehicle in front of you, and the distance between your cars. It will alert you if your car gets too close to the one in front due to your speed. This is especially valuable in a scenario where, for example, the car in front of you has to slam on their brakes, which could result in an accident.


There are a wealth of options out there to increase the safety of your vehicle, from recording devices to detection items. Accidents will still happen though, and you can sadly still be in an accident where you hold no fault. If so, under Australian Law, you are entitled to a replacement courtesy car. If that occurs, dial 1800 699 034 to reach the best replacement car team in Australia.

What to do immediately after an accident

Picture the scene. You’re stopped at a red light, waiting for it to go green. Listening to your favourite music always calms you down… but then you both hear and feel a mighty thud on your rear bumper. You’ve just become involved in a ‘not my fault’ accident. So, what should you be doing right now? Let’s cover the basics.

Examine the situation

The most important thing to do first and foremost is to see what has happened, precisely. If there have been any injuries during the accident, whether to yourself or the person who collided with you, 000 should be called immediately. Further, be sure to turn off your engine, and switch on your hazard/warning lights, as per the NSW Transport Department’s best practices. Whether 000 is called or not though, do what you can to prevent further accidents, but above all, keep yourself safe while doing so!

Exchange details and be careful

Exchanging details is not only courtesy, it’s critical for any insurance claims. However, the important thing is to be careful with your phrasing, since if you admit fault, that could be thrown back at you, even if the reality of the situation is that it wasn’t your fault! Be clinical, and only say what you need to say with direct language. In addition to this though, one thing that people often forget is to get the contact details of any witnesses. This is incredibly important for you as the person not at fault, since your claims can be supported.

Gather evidence

For any insurance claim, it is important to have contemporaneous documentation, paperwork and similar. This includes taking photos of everything at the scene of the accident. Be sure to take photos of both your car and the one that collided with you. With smartphones packing the high-quality cameras and storage space that they do these days, there is no excuse to not have a full gallery of images, ready to go in case there is a dispute.

Call your insurance provider ASAP

At this point, at your earliest opportunity, now that everything is safe and you have everything you need, you should call your insurance provider. You should not delay, as this will potentially result in huge delays in your claim. Further, if you want to get a replacement courtesy car, which you are entitled to under Australian law, you’ll want to get that process going as soon as possible so that you can get back on the road.


It’s important to stay calm after an accident, and follow the key steps above: consider whether police need to be called immediately, get contact details, gather evidence, and then call your insurance provider. By following these simple steps, it will mean that if you need courtesy car hire, which is as said, your right under Australian law, you’ll be able to process that request as soon as possible. For any further questions, get in touch with us at 1800 699 034.

What to consider when driving with dogs on board

If you are taking one or more dogs with you when driving, you want them to be under control, to avoid sudden actions which could lead to an accident. Equally, you’ll want them to be settled and comfortable, making it less likely they could suddenly become distressed, which can also cause the driver unexpected problems. Let’s explore some tips to help with this…

Keeping them secure

A range of carriers are available; if you use one it should ideally be large enough for your dog to comfortably sit, stand, lie and turn in. If it’s a new purchase, allow your pet to become familiar with it at home well before setting off on a first drive. Make sure it’s secured, as a sudden slip or slide can easily distract a driver.

Keeping them alive

Sorry to be so blunt, but obviously you should never leave a pet alone in a parked vehicle on a hot day – windows open or not. But, equally, and this is not often considered, there are some parts of Australia where, at times, it can be extremely cold. A car can then turn into a refrigerator; equally dangerous for a freezing pet left alone.

A gradual introduction

With a new pet and a long drive in the offing, it pays to get them used to the vehicle through a series of short journeys first. As he or she becomes used to spending time in the vehicle, they should be less stressed if you are travelling up-country or interstate. Comfort breaks will be an important part of any longer journey.

Creating a travelling kit

Just as we humans prepare a pack of items for use during a journey, a pet kit is important too. It might include a leash and waste scoop, food, bowl, water, a favourite toy, comfort blanket or pillow, any relevant travel or other medication, and grooming tools. You don’t want to have to find items for yourselves on a long journey by having to unpack suitcases – the same is true for your pet!

Accidents happen

Whether travelling with pets or not, you can still become the victim of an accident that is not your fault. In such circumstances, if you are in need of an accident replacement courtesy car (an entitlement under Australian Law for ‘Not My Fault’ accidents), call our expert team for the help you need on 1800 699 034.

Thinking about blind spots

It’s a phrase you often hear when talking about people: ‘Oh, they’ve got a blind spot when it comes to…’ A reference is usually then made to a fault in their character or behaviour. This is usually regarded as inadvertent on their part, rather than deliberate.

The same is true of blind spots when driving

Motorists generally try to take care when behind the wheel; but there are areas that can cause problems in terms of enjoying a complete picture of their driving environment. Here’s a quick exercise to show what we mean. Sit behind the wheel in your normal driving position. First, look straight ahead. Next, glance in your rear view and then exterior mirrors.

The former may be affected by rear-seat passengers or items placed in your field of vision. With exterior mirrors, your vehicle’s bodywork will get in the way to some extent. So, in fact, you don’t have a complete and uninterrupted 360-degree field of vision. You’ve identified some key blind spots – and can give extra attention to them when on the move.

Other actions to help limit blind spots

+ When moving off, look over your shoulder as well as in your mirrors. Incidentally, dirty side windows can add to the potential danger. And don’t simply rely on any camera or warning technology added to recent models – these are just aids, not complete guarantees of safety!

+ Pay particular attention to on-the-move blind spots. These can be present when you are changing lanes, joining a main highway from a side road, or where traffic is merging into the lane you are occupying (or where you are trying to merge into the traffic flow yourself).

+ Remember to pay attention to the possibility that other drivers have blind spots too – and that your vehicle may sometimes be in one!

Not-at-fault accident victim? Don’t be blind to a key possibility

In such circumstances, and if their vehicle is going to be out of commission being repaired, many drivers don’t realise that, under Australian Law, they are entitled to a courtesy replacement car.

If you find yourself in such a situation, as soon as you can, contact our team here at Not My Fault. Make sure you always keep our number with you; it’s 1800699034.