Your browser version is no longer supported, so you may experience issues while using this site.
Please upgrade to a current browser to enjoy the best experience.

MY CAR

At-fault accidents lead car claims


At-fault car accidents are the most common car claim type, according to the 2018 AAMI Crash Index. The data – gathered by AAMI, part of the Suncorp Network – relates to successful claims made during the 2017-2018 financial year. It revealed what types of car collision claims were most common in each state. Find out how your state stacks up!

Single-vehicle collisions

24.97 per cent of all motor claims in the Australian Capital Territory (ACT) were a single-car accident during the 2017-2018 financial year. This was the highest percentage of single car collision claims out of any state, based on data from the 2018 AAMI Crash Index. 

Collision types by state

Single-car collisions involve things like the loss of control of a vehicle where another vehicle is not damaged. For example, if a driver runs up a gutter and hits a wall or guardrail, damaging their side panel, that’d be considered a single-car collision.

In this case, an excess would most likely apply. Make sure to read your Product Disclosure Statement (PDS) for full details on where excess does and doesn’t apply. 

At-fault collisions

Victorians had the highest rate of at-fault collisions. The data showed that 26.09 per cent of collisions that happened in Victoria in FY17-18 involved an at-fault party. New South Wales was second for at-fault collisions, with 24.07% of all collisions involving at-fault party.

Being at fault means that you were the driver who caused the collision. For example, if you failed to give way and that failure resulted in an accident, you’d be considered at fault. The driver who’s at fault would have to pay an excess.

Get a car insurance quote online!

So what

There’s plenty of reasons people make claims for their motor vehicle. But whether at-fault, not at-fault, or the lone driver in the collision, driving safely is always important. Make sure to follow these safety tips at all times while driving.

State breakdown

See what kind of claims are common in your state

Queensland

Claim Type

Percentage (%)

1. Windscreen

25.28%

2. Collision at-fault

21.96%

3. Collisions not at-fault

19.51%

4. Single car collision

17.24%

5. Damage whilst parked

12.13%

6. Theft

1.69%

7. Theft

0.91%

Windscreen claims refer to claims made for a damaged windscreen. This includes windows, sunroof, and moonroof. Generally, policies will allow for one windscreen claim per year before an excess would apply.

New South Wales

Claim Type

Percentage (%)

1. Collision at-fault

26.61%

2. Collision not at-fault

25.75%

3. Windscreen

14.15%

4. Single car collision

15.64%

5. Damage whilst parked

13.97%

6. Storm

1.66%

7. Theft

1.09%

Australian Capital Territory

Claim Type

Percentage (%)

1. Single car collision

22.84%

2. Collision at-fault

22.50% 

3. Collisions not at-fault

21.00%

4. Windscreen

17.06%

5. Damage whilst parked

13.34%

6. Theft

2.97%

7. Storm

0.86%

Victoria

Claim Type

Percentage (%)

1. Collision at-fault

29.24%

2. Collision not at-fault

23.59%

3. Single car collision

14.29%

4. Damage whilst parked

12.94%

5. Windscreen

9.95%

6. Storm

8.02%

7. Theft

1.55%

South Australia

Claim Type

Percentage (%)

1. Collision at-fault

26.91%

2. Single car collision

22.08%

3. Collisions not at-fault

20.13%

4. Damage whilst parked

16.09%

5. Windscreen

11.98%

6. Theft

1.87%

7. Storm

0.46%

Western Australia

Claim Type

Percentage (%)

1. Windscreen

25.41%

2. Collision at-fault

21.91%

3. Collisions not at-fault

18.52%

4. Single car collision

16.75%

5. Damage whilst parked

14.40%

6. Theft

1.94%

7. Storm

0.48%

Northern Territory

Claim Type

Percentage (%)

1. Windscreen

36.24%

2. Single car collision

18.58%

3. Damage whilst parked

14.10%

4. Collision at-fault

13.21%

5. Collision not at-fault

11.87%

6. Theft

2.97%

7. Storm

1.99%

Tasmania

Claim Type

Percentage (%)

1. Collision at-fault

29.24%

2. Single car collision

23.39%

3. Windscreen

22.34%

4. Damage whilst parked

16.35%

5. Collision not at-fault

13.55%

6. Theft

1.75%

7. Storm

0.48%

Take this quiz to see how well you know Australian drivers.

Read more:


Insurance is issued by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance. Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before making any decision regarding this product. Suncorp Roadside Assist is provided by Digicall Assist Pty Ltd. For full coverage details, please see the Suncorp Insurance Roadside Assist Terms & Conditions. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it. Terms and conditions for coverage apply.