State Insurance has revealed the top ten regions of the country where you are most likely to have a collision.
Auckland Central, Christchurch Central and the western Auckland suburb of Henderson are the three suburban motorists most likely to have a collision, according to new data released by State Insurance.
Based on claims data over a 12-month period, the company ranked the top ten areas of collisions, along with the time of day they were most likely to occur. Auckland Central was the undisputed leader in collisions with 831 claims, ahead of Christchurch Central (512 claims) by more than 300 incidents, followed closely by Henderson with 478.
In addition to the time of day, it would seem best to avoid these three areas between 1:00 p.m. and 6:00 p.m., this period taking 42% of the complaints registered, the period from 10:00 a.m. to 1:00 p.m. recorded incidents.
Many countries have laws requiring drivers to be insured. New Zealand does not, although policymakers have considered doing so on several occasions.
Other top 10 areas include Mount Maunganui in fourth place with 397 claims, followed by Mount Wellington in Auckland (355), Palmerston North (347), Albany (344), Dunedin Central (304), Hamilton Central (295 ) and Hutt. Central (286).
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In terms of time of day, early morning (between 5 a.m. and 10 a.m.) accounted for 19% of complaints, with late morning/noon (10 a.m. to 1 p.m.) climbing to 23%. The busiest time of the day was the afternoon (between 1 p.m. and 6 p.m.) which included the run to school and the evening journey home with 42% of incidents reported, while the evening (6 p.m. to 10 p.m.) recorded 13%, with the night (between 10 p.m. and 5 a.m.) accounting for only 3% of incidents.
State Executive General Manager, Claims Wayne Tippet says the latest data provides a timely reminder of the importance of putting safety first when getting into a vehicle.
“Regardless of your age, driving experience or what time of day you’re on the road, safety should be the number one priority for all of us when getting behind the wheel.
“Our claims data shows that most collisions occur in busy centers at peak times of the day, and while it’s tempting to multitask while seated in slow-moving traffic or crossing quickly through an intersection as the lights turn red – it’s not worth it.”
If, however, you are involved in a collision, the state recommends that you pull over where it is safe to do so and make sure everyone is okay, before exchanging details with the other driver. , including its name, address, telephone number, email address, license number, and registration number.
You should then take photos of all the damage and check to see if the other party has insurance (and encourage them to file a claim as well). Take note of their insurance company if they know it, then collect the contact details of any witnesses and finally contact your insurer to file your claim.
The state’s plea for caution follows a recent survey by the company and market researcher Ipsos which found that less than half (44%) of Kiwi drivers considered the value of their vehicle at the past 12 months, and only 48% know how much it would cost to replace their car through a car dealership if it was written off in an accident or stolen and not recovered.
This is nothing new, however, another Canstar survey showed a similar number two years ago.