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Speaker 1: It's one of our favorite mid Canibary pastimes watching stuff

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Speaker 1: hit the Timbald viaducts. We missed it as the thing

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Speaker 1: was closed for repairs for half of last year, but

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Speaker 1: now we're back in business. The bridge has been reinforced

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Speaker 1: and it's showing no mercy talk of the town this week.

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Speaker 1: On Wednesday, not one but three campers, as far as

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Speaker 1: we know, could be more coming into contact with it,

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Speaker 1: and one of them doing a rather spectacular job. The

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Speaker 1: entire roof of this sort of highest van, you know,

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Speaker 1: the one with the with the high tops, just got

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Speaker 1: torn off like a like a tin can. Joining us

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Speaker 1: is bo Papular or who is the head of motor

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Speaker 1: claims at AA Insurance? How are.

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Speaker 2: Good morning? Thank you for having me.

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Speaker 1: So chat in the Hawknery office yesterday is you can imagine?

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Speaker 1: And a good question came up, say, if it were

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Speaker 1: us in a moment of weakness, would we be covered

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Speaker 1: by insurance?

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Speaker 2: I think generally yes, typically typically covered for accidental damage

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Speaker 2: to your vehicle. If you were to come in contact,

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Speaker 2: say with them with that viaduct, and especially if you've

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Speaker 2: got a comprehensive cover policy, then generally yes, you'll you'll

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Speaker 2: get some cover. Oh you'll be covered for that for

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Speaker 2: that event.

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Speaker 1: That surprises me because there's plenty of signage out warning

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Speaker 1: people of the height restrictions, et cetera. One of them

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Speaker 1: you could pretty much see from space. Isn't that our

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Speaker 1: responsibility as drivers to take to be aware of that

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Speaker 1: and also know how high our vehicle is.

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Speaker 2: Well, I think I think it's kind of a general answer,

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Speaker 2: but yes, there is. There are policy conditions in the

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Speaker 2: policy to you know that that, and one of them is,

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Speaker 2: you know, you must take reasonable care. We all got

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Speaker 2: to have a driver's license, we all got to pay

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Speaker 2: attention to it, to our surroundings and those sorts of things.

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Speaker 2: But fundamentally, insurance is there to try and be there

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Speaker 2: and cover you when when you know there might be

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Speaker 2: a lapse of judgment. Maybe you did pay attention to that,

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Speaker 2: to that, to that height restriction maybe, and maybe you

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Speaker 2: did or didn't understand the height of your vehicle. Insurance

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Speaker 2: is there to come in and help you in those situations,

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Speaker 2: because we're all guilty of making them those mistakes from

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Speaker 2: time to time. But the reasonable care piece is kind

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Speaker 2: of interesting because if you know there's a piece where

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Speaker 2: you want to make sure that you're not doing anything

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Speaker 2: intentional that there's so obvious that that you should have

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Speaker 2: applied some mitigating factors to avoid causing damage to your vehicle.

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Speaker 2: So it's a tricky one when you know, if you're

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Speaker 2: heading downe into a claim scenario, if there's really obvious

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Speaker 2: factors that you know, it might influence how your claim

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Speaker 2: is assessed. But generally, you know, we're we're capable of

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Speaker 2: making the odd mistake here and there, not fully paying

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Speaker 2: attention to signs, So insurance is there to really help

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Speaker 2: at the end of the day.

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Speaker 1: A buddy of mine who works in the trade, summed

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Speaker 1: it up well. He said, it's the difference between recklessness

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Speaker 1: and carelessness. If you're being intentionally reckless, then that would

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Speaker 1: probably avoid something. But I think you could put this

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Speaker 1: in the carelessness sort of category because I'm also a

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Speaker 1: firm believer. Most of the people in these campers are

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Speaker 1: probably be enjoying their best life away from work, and

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Speaker 1: there is such thing as holiday brain. I've experienced it

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Speaker 1: in the past couple of weeks. You sort of lose

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Speaker 1: a bit of common sense in the best possible way.

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Speaker 2: Right, Absolutely, Yeah, you're wanting to get away, You're thinking

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Speaker 2: that your vehicle you you know, especially if it's a

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Speaker 2: new vehicle, like if you're not used to the height

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Speaker 2: of the vehicle that you're driving, that that can be

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Speaker 2: a tricky One's always that key editude or she'll be

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Speaker 2: right as well if you're thinking, I can probably make that.

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Speaker 1: As must have been the case on Wednesday. Looks like

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Speaker 1: that it's a little bit of speed. Hey, well on

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Speaker 1: that bo let's just say you were borrowing somebody else's cats.

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Speaker 1: For the most part, it is caravans that are you know,

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Speaker 1: coming into contact with their vidoct beer. If you were

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Speaker 1: towing a caravan that wasn't yours, somebody else's what happens

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Speaker 1: there if there's an accident, just in general, is their

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Speaker 1: insurance or yours that covers that? Oh?

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Speaker 2: Look, the answer really is that it's their insurance. So

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Speaker 2: you need to have insurance on the caravan itself, the

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Speaker 2: what whilst will cover any damage to the vehicle that

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Speaker 2: you're driving. It's really important to just double check that

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Speaker 2: you've got that the person that you're borrowing it from

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Speaker 2: they have insurance on their caravan. Most most car insurance

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Speaker 2: policies have some really limited cover in terms of what

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Speaker 2: they provide around what the things that you might be tolling.

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Speaker 2: So it's just always paced to just make sure that

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Speaker 2: there there is some cover on that caravan. If the

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Speaker 2: caravan was to come into contact with, say that that

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Speaker 2: viaduct and cause the damage to it, then then it

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Speaker 2: is your vehicle policy and the legal liability cover that

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Speaker 2: that comes up under that that that will provide some

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Speaker 2: protection for you in terms of the damage you've caused

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Speaker 2: to other people's property. But the caravan, the caravan itself,

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Speaker 2: because because you're towing it, it needs its own insurance.

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Speaker 1: Gotcha hey, and super quick in general terms, because this

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Speaker 1: has proven accidents happen. Say we find ourselves in any

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Speaker 1: form of accident, the adrenaline pumping and you get a

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Speaker 1: bit flustered. What are the first things we should usually do?

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Speaker 1: What insurance companies appreciate us doing in the moment.

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Speaker 2: Look even just prior to insurance companies, I think the

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Speaker 2: main priority with any of these accidents is to make

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Speaker 2: sure that everyone's safe. But in terms of like a

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Speaker 2: claim scenario, you know, taking photos if it's safe to

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Speaker 2: do so, getting getting contact details of anyone that might

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Speaker 2: be involved, and potentially any witnesses as well if you

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Speaker 2: need them, especially if there's a liability sort of who's

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Speaker 2: that false sort of scenario at play, and then essentially

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Speaker 2: getting in touch with your insured as soon as you can,

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Speaker 2: because they're they're they're there, and we're there to help

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Speaker 2: you get through that process. You know a lot of

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Speaker 2: people might go years and years without ever making a

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Speaker 2: claim and so you know, it's where we're where we

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Speaker 2: deal with it every day, and so we know exactly

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Speaker 2: how to help people through their scenario.

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Speaker 1: And hopefully it's not in a congested area where the

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Speaker 1: only photos taken are on your phone, not somebody else's

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Speaker 1: for social media to say, they're to blow to the

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Speaker 1: pride and it's the biggest hits. Cheers for your time

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Speaker 1: from AA Insurance bo Pappoo