What do I do if someone holds me responsible for an accident/incident?

There are a number of statutory laws in each state or territory that apply when understanding who's responsible for the repair or replacement of damaged dividing fences. You'll be covered for the costs that are your responsibility under the relevant law.

In NSW: https://www.legalaid.nsw.gov.au/

In QLD: http://www.qld.gov.au/law

In the ACT: https://www.accesscanberra.act.gov.au/

In TAS: www.legalaid.tas.gov.au

In SA: http://www.lawhandbook.sa.gov.au/

In WA: http://www.commerce.wa.gov.au/

In the NT: https://nt.gov.au/

It's important to get the names and contact details of everyone involved at the scene of the accident. Once you provide us with their details, we'll communicate with them on your behalf.

You can easily provide us with their details online when you make a claim.

For assistance in determining who was at-fault and how to claim, contact the State Insurance Regulatory Authority (SIRA) CTP Assist on 1300 656 919

First check to make sure everyone's OK and ring 000 in case of injury or hazard.

If your car can't be driven (after an incident we cover) and your policy covers towing, call us 24/7 on 132 132 and we'll arrange a tow for you.

To see if you're covered for towing, read the Policy Disclosure Statement (PDS) on our policy booklets page.

If another car is involved, it's important to try and get the other driver's details. If you can, ask for their:

• Name
• Address
• Licence number
• Car's registration number

It's also helpful to take photos of the damage to both cars.

You don't need to make a claim yourself. Just make sure you tell them you're insured with NRMA Insurance and give them your details including:

• Your registration details
• The state and territory where your vehicle is registered
• Your full name, address and contact details
• If applicable - the vehicle owner's contact details

Determining who's responsible for an accident is assisted by the road rules, and establishing if there's any negligence that's contributed to the accident.

When we review who's responsible for an accident we'll ask for all drivers involved in the accident for their version of the incident.

The decision can also be helped by any diagrams and photos that you or the other drivers may have, any witness statements and the map location of the accident.

The most important information to try to get from the incident is the name and residential address of any drivers or riders involved in the accident. It's also helpful to get their phone number and licence details.

If possible, it also helps to get the make, model and number plate of any vehicles involved, plus the contact details of anyone who witnessed the accident.

For comprehensive policies, if you can provide the name and residential address of the other driver or rider who is fully at-fault, you won’t have to pay the excess. It also means we can deal directly with all the people involved on your behalf.