Tap on membership cards at the top of the app homepage to display your membership number. Use the green slips calculator to compare prices from all six insurers. 9am to 5pm. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). NRMA Insurance covers your medical expenses, lost income and other people's injuries from an accident you cause. NRMA Insurance acknowledges the Traditional Owners of the lands across Australia as the continuing custodians of land and waterways in which we live and work. NRMA Insurance is part of the Insurance Australia Group. Thank you! Got one. Come on, NRMA, I wanted to stay but the pull factor was too great! User #348062 4253 posts. *. On agreed value policies, cover is limited to the agreed value. (25 years to 49 years of membership) Gold Plus. com. If the youngest driver is a learner driver, you are still. a compulsory third party (CTP) insurance policy, commonly called a green slip (unless the vehicle is a trailer, caravan, or has a conditional registration) most insurers will send your CTP information electronically to Transport for NSW (TfNSW). IIP Retrieve - NRMAFrom 1 March 2021 the Personal Injury Commission manages CTP / workers compensation disputes. Suncorp Metway Insurance Limited ABN 83 075 695 966 Licence withdrawn 1 July 2013. Find your Business Insurance policy and select View policy. At the end of the day, it's a pooled insurance for injury. Winner of Canstar's 2022 - 2023 Most Satisfied Customers - Roadside Assistance. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Compare NRMA roadside assistance cover and join the best roadside network in Australia. CTP premiums are subject to government regulation to ensure that the interests of the community are protected; that premiums are no higher than they need to be to properly compensate persons injured in motor vehicle accidents; and that the viability of the CTP scheme is maintained. The redemption examples show how much a member could spend and save in a month. We couldn't find a match for the entered addressIn this report, SIRA compares six key indicators of customer experience across the five CTP insurers in NSW: AAMI, Allianz, GIO, NRMA and QBE. 11 October 2022. They are. The Compulsory Third Party Insurance Regulator was established by the SA Government as an independent body and commenced operating on 1 July 2016. You can also message us on Facebook. membership (roadside assistance and My NRMA benefits) from your computer, smartphone or tablet. Effortlessly add and underline text, insert images, checkmarks, and symbols, drop new fillable areas, and rearrange or remove pages from your paperwork. Licensed family foster home report of reading dccca monthly dccca form; Bridesmaid order form marahamp39s elegant bridal; Gecombineerde vergunning voor verblijf en arbeid gvva 370 form; 2020 census questionnaire form; Cmr pdf download form; Formulaire ca3; Nafcc accreditation forms; 716 111 d v21 arbeitswiss form From 1 March 2021 the Personal Injury Commission manages CTP / workers compensation disputes. of Table 1. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). As an NRMA member, your roadside assistance or My NRMA membership both count towards your policy count with NRMA Insurance. Its Driver Protection cover provides benefits for drivers where the driver is injured and at fault in a road accident. in NSW, QLD, ACT, TAS, SA, WA and the NT and in NSW, QLD, ACT, SA and WA. Plus, all entrants will go in the draw to win signed memorabilia worth up to $3,750. In aggregate Queensland’s six CTP insurers collect around $875 million in Queensland CTP premium per year. Don't remember your details? Log in easily with your mobile and date of birth here . At your local branch. Get a quote online for cars in NSW, QLD, TAS, ACT, WA, SA, and NT. * National Roads and Motorists' Association Limited, ABN 77 000 010 506, trading as NRMA, is a separate and independent company from Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Get a quote online or learn more about Driver Protection Cover. For full details including limits, conditions and exclusions, read the policy document. Prepare nrma refund ctp effortlessly on any device. under Your CTP Insurance if Your Vehicle is a passenger . Injuries caused by a trailer when attached to the vehicle. We're available 24 hours a day, 7 days a week. CTP Insurance if your vehicle is: • a Class 1 Passenger vehicle (which includes authorised ridesharing vehicles) • a Goods vehicle with a Gross Vehicle Mass of 4. If you bundle your CTP Greenslip with other NRMA Insurance products, NRMA Insurance offers Loyalty Discounts on certain. Safety checks, inspections and vehicle changes. You may still be able to claim even if the relative who passed away was partly at fault in the accident. If you need to cancel your CTP Green Slip policy with NRMA Insurance, you can download and fill out our cancellation form from this webpage. . Start a claim. Share. Allianz owns CIC Allianz, which ceased offering CTP insurance after 15 January 2019. Or, for Motorhome Insurance in other states, select a different state or territory at the top of the screen. com. The NRMA Insurance CTP Policy number for the at-fault vehicle 3. CTP Insurance; CTP Insurers;. Winner of Canstar's 2022 - 2023 Most Satisfied Customers - Roadside Assistance Award. We pay our respects to Elders and ancestors past and present. “NRMA” provides Membership, the “my nrma app” and other services. NSW - Padstow & surrounding areas. If you’re an NRMA Member, you can request roadside assistance by using the my nrma app or give us a call and we’ll diagnose it, jump-start it if possible or if needed, replace the. Like Comprehensive Car Insurance, it covers your car for incidents like storms, theft and accident damage. Find your perfect trip with packages, savings on car hire and more. For more on how you can keep protected behind the wheel, call us on 13 21 32 or get a quick car insurance quote online. The above is based on 12 months private Class 12 single seating. “NRMA” provides Membership, the “my nrma app” and other services. CTP Insurance means that anyone who is injured in a road accident, regardless of who is at fault, will have access to medical treatment and income support for up to six months. CTP is a type of motor insurance that provides for compensation to people who are injured or killed if your vehicle is involved in a road accident. Find out more about the medical examination and assessment process. In some states, CTP insurance also gives some cover to the driver if injured but at fault in a motor vehicle accident. Help with your CTP claim. To help you make your choice, there is a comparison of each. Unlimited roadside callouts – 24/7. CTP Insurance – also known as Green Slip in NSW – helps cover costs related to injuries sustained in a motor vehicle accident. CTP Claims Assist 1300 656 919 (8:30am to 5pm, Monday to Friday) If you have an enquiry about vehicle registration, visit Service NSW. Online document managing has grown to be popular with organizations and individuals. The CTP Insurers are subject to state and federal legislation and contracts entered into with the State in delivering CTP insurance to South Australia. 5 tonnes, or. These 6 CTP insurers are owned by 5 financial services companies. Follow up a claim or pay an excess. Renewing online is quick and simple, and only takes a couple of. Allianz, RACQI, AAMI, QBE and NRMA. The NSW CTP Scheme is overseen by the Motor Accidents. CTP and Green Slips explained. On 1 December 2020, Youi became the sixth CTP insurer in NSW. Date of birth. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Just went with AAMI (comprehensive + CTP). General maintenance benefits. Gordian RunOff Limited has appointed Enstar Australia Limited to be their claims manager. 1. Call Us. To know for sure, check your registration renewal notice, it will state it there. 07 AM. However, NRMA will continue to be responsible for the management of all existing Queensland CTP claims and new claims from policies sold before 1 January 2014. issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Our cover for vintage and classic cars is bespoke like your vehicle. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). CTP insurance doesn’t cover damage to your vehicle, other vehicles, or property. claims. Follow up a claim or pay an excess. Request roadside assistance and track us on our way. Third Party Property Damage *Insurance is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 (IAL), trading as NRMA Insurance which is separate and independent from National Roads and Motorists’ Association. If you have any questions about privacy and security, please email us or call us on 132 132 7am–8pm, 7 days. NRMA Insurance is issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA. If they need assistance, someone else can help by filling in the appropriate forms to start their claim. Access member exclusive benefits including over 3,000 attractions. *Values displayed are an example of potential spending and savings when purchasing a gift card as an NRMA member and are subject to availability of offers at any one time. Towing map - Metro, country and remote areas | Direct debit terms and conditions. It covers you against paying compensation to people injured in an accident that you caused. Renew now. Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. NRMA Insurance is part of the Insurance Australia Group. Policy booklets. Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Keys Plus: $2. This is general advice only, so to see if a product is right for you, always consider your. Insurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. In aggregate Queensland’s six CTP insurers collect around $875 million in Queensland CTP premium per year. 132 818 (8:30am–5pm, Mon–Fri). Business address is. If your business has been affected by COVID-19 and you have business interruption cover, talk to us about making a claim on 132 818. Learn more Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Read on to understand how we reward loyal members of 25 years or more. Compulsory Third Party (CTP) insurance, also known as a Green Slip, is mandatory. CTP insurance is a mandatory requirement for all motorists in Queensland. Comprehensive Plus CTP Green Slip Third Party Property Damage Third Party Fire & TheftFor property insured in SA, WA and the NT. The average premium for Sydney taxi. AU (excl. We cover modifications to your car (like hoists, hand controls and wheelchair ramps). 1800 646 605 (8am–8pm, Mon–Fri and 8am–4pm, Sat–Sun) Home & business alarms. au. Where your vehicle is garaged. These are the insurers licensed to provide Green Slips in NSW. Up to 15% off tyres and wheel alignments. 5 tonnes GVM, but not for trucks over 4. If your CTP injury claim is successful: You should receive 95% of your pre-accident earnings for the first 13 weeks. What to do if. Interpreting and Translating Centre. Injuries caused by a trailer when attached to the vehicle. CTP - SA Online. issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Instead, some of our car insurance in NSW can cover your motorhome. AAMI is one of the most popular car insurance brands in Australia, while NRMA has a strong reputation in NSW, ACT, QLD, and TAS where it operates. au: CTP extras: None: APIA. Head to Allianz Car Insurance if you’re looking for this type of cover. Check a vehicle registration. CTP insurance is mandatory in Australia. Tradespeople might consider NRMA. 01. If your vehicle becomes unregistered, you may be able to ask your CTP insurer for a partial CTP refund. NRMA Insurance is part of the Insurance Australia Group. NRMA Insurance offers car, CTP, home and travel insurance for over 3 million Australians. How can I pay for my NSW CTP Green Slip? You can pay for your CTP Green Slip: Online. You can make a BPAY payment by calling your bank or using internet banking and selecting the BPAY option. NRMA Car Insurance (Car Insurance): 1. Online quoting and claiming facilities are also available. The details of the vehicle at-fault in the accident 4. Switch to email for insurance documents. * National Roads and Motorists. NRMA. NRMA CTP is one of the most expensive - Comprehensive Car insurance is way too expensive also - Progressive Car Insurance offers comparable cover for 1/3 of the cost. States and territories manage CTP differently. The details of the person driving the at-fault vehicle 2. Theft & vandalism. Pets Plus: $3. Edit your nrma ctp cancellation form online. Mr Ms Miss Mrs Other Surname First name(s) Postal address State Postcode Home telephone number Work telephone number ( ) ( ) Mobile number Email address 2. The NRMA Insurance app makes it easy to check your policies and know exactly what you’re covered for. Use block letters and print clearly 1. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). But Comprehensive Plus gives you extras like: A hire car if your car can’t be driven after any incident we cover, even if you cause an accident. * National Roads and Motorists. Request roadside assistance and track us on our way. NRMA Insurance is part of the Insurance Australia Group. Which Vehicles are covered? CTP Driver Protection Cover applies to the Vehicle We insure . However, CTP premiums are not Government fees or. Check motor vehicle stamp duty. Veteran, Vintage and Classic Insurance. The CTP Insurer Premium is variable as CTP Insurers can set different premiums within a premium band. Plus, if your home is damaged by a covered incident and you can’t live in it anymore, we’ll help cover the costs of temporary accommodation for up to a year. 93% go rate. support@enstargroup. International callers 61 2 9848 5201. Renewing your policy. That way you can have a roof over your. What you need. NRMA Insurance is part of the Insurance Australia Group. NRMA Helpline (expert advice and emergency assistance for NRMA Insurance policy holders) 13 29 00. Generally, vehicles more than five years old are required by the RMS to pass an eSafety check – also referred to as a pink slip, or rego check – before you can renew your registration. The NRMA is urging all NSW motorists to check their eligibility for a CTP Green Slip refund, with figures released in August showing 700,000 policyholders yet to claim $29 million in refunds. *. Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. been registered by a. We also provide an easy renewal process. This year the NRMA quote for CTP is more than $230 more than GIO/QBE and AAMI. Phone: 13 50 50: Hours: 8am to 8pm Mon to Fri. in NSW, QLD, ACT, TAS, SA, WA and the NT and in NSW, QLD, ACT, SA and WA. vertigoPotato. T Year ofTo cancel a car insurance policy, log in to your account then: Find your policy and select View policy. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). 1. CTP insurance is administered by the. Email. in NSW, QLD, ACT, TAS, SA, WA and the NT and in NSW, QLD, ACT, SA and WA. Subscribe to the NRMA channel to keep up to date with our latest uploads. Call us on 1300 135 640 to start your travel insurance claim. Rapid patrol response. * National Roads and Motorists' Association Limited, ABN 77 000 010 506, trading as NRMA, is a separate and independent company from Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Call 1800 646 605 (8am–8pm, Mon–Fri & 8am–4pm, Sat–Sun) Contact us. Under the CTP At-fault Driver cover, we pay an amount if . Thousands of Australians voted for the worst and best roads across NSW in what is. Car insurance: Third Party Fire & Theft from NRMA Insurance. Get the Ctp cancellation form nrma accomplished. You’re covered for the market value of your car, up to $10,000. Check out car insurance in your state. Help Hub customers can enter the draw to win double-pass tickets to a single day of an NRMA Insurance Men’s Test Series match. You can: Update your contact details. Edit your nrma green slip renewal online. “NRMA” provides Membership, the “my nrma app” and other services. Current CTP claims liabilities are estimated to be $2. Pay and renew your NRMA Membership with Visa, Mastercard or PayPal, stay covered on the road and keep moving. Clarinda Martin has been convicted for defrauding the NSW workers compensation scheme and sentenced to a Community Corrections Order for a period of 18 months. gov. I won't join the NRMA, I won't use any of their insurances or products!* National Roads and Motorists' Association Limited, ABN 77 000 010 506, trading as NRMA, is a separate and independent company from Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. What's the difference between CTP Insurance and Third Party Property Damage Insurance?. The Service SA billpay code is shown on your vehicle registration. **Based on an average fuel price of $1. au. Plus save up to 25% on NRMA Comprehensive Car Insurance depending on your. Select Add another driver. You can buy compulsory third party (CTP) insurance from any of Queensland’s licensed CTP insurers or when you register your vehicle through the Department of Transport and Main Roads (DTMR). 0 (51) NRMA Car Insurance - Third Party Property Damage 1. 99 a month. Right now, when you renew your membership online and on time, you'll get a special online offer. For auto complete: NRMA Insurance Complaints Click here. The My NRMA app connects you tobenefits, volunteering and more. New and existing policies: 132 553 (9am–5pm, Mon–Fri) Travel Insurance. If you have an NRMA Insurance policy, save on. Call 13 11 22. This article was originally published in December 2019 and has been updated. Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. 30am to 5pm (AEST). * National Roads and Motorists. Select View all Policy Documents to view and request a copy of your Certificate of Insurance or tax invoice. Alternatively, you can fill out the details manually. 5 tonnes, or. 1300 305 790 (8am–8pm) Life Insurance and Income Protection. So if your vehicle is involved in an accident, your CTP policy can help with things like medical costs for the people injured because of the accident. your email address. NRMA Insurance is part of the Insurance Australia Group. issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Five insurance groups now hold green slip licences: QBE, NRMA Insurance, Suncorp, RMIH and Allianz: Suncorp owns GIO and AAMI. Start and track your claims, get a new quote or retrieve saved quotes, update your details and make payments on the go. Date of birth. The audit commenced in June 2022 as the scheduled first quarter activity in the Insurer Conduct and Claims. If your policy number starts with MOT, call 132 132 (7am–8pm)NRMA Parks & Resorts. The NRMA provides Roadside. We’re available over the phone from 8:30am–5:30pm, Mon-Fri. “NRMA” provides Membership, the “my nrma app” and other services. NRMA Insurance is part of the Insurance Australia Group. Insurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. 1800 007 007. Find fuel prices and redeem your discounts. The NRMA Insurance Loyalty Discount offers between 5% and 25% off eligible insurance policies † depending on your entire Policy Count and Years of Relationship. * National Roads and Motorists' Association Limited, ABN 77 000 010 506, trading as NRMA, is a separate and independent company from Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Queensland’s CTP scheme CTP scheme overview Legislation Scheme review 2023 Scheme review 2016 Scheme reforms Automated vehicles Interstate CTP authorities. issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Cancelling your registration. NRMA Insurance locations Find your nearest branch : Open Road magazine [email protected]with NRMA Insurance*. nsw. On 29 November 2022, SIRA issued a show cause notice to NRMA Insurance, requesting a response to the investigation findings. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries. Which Vehicles are covered? CTP Driver Protection Cover applies to the Vehicle We insure . First-time registrations (including new vehicles and interstate transfers) Providing paperwork you need to cancel your CTP Insurance, and accepting cancellation paperwork you’ve completed. Make sure your policies are paid on time, so you don’t lose coverage. If you need financial assistance, call us on 132 132 for support with your situation, and we’ll work out a plan together. At 55 years of age with an ordinary sedan car, no convictions, no accidents and maximum no claims bonus I usually get a fairly good price from most insurers but NRMA is ALWAYS a total outlier. Although many motorists have both NRMA roadside assistance and NRMA car insurance, they are separate services provided by separate companies. It takes only 3 or 4 minutes – much faster than contacting each CTP provider separately. Includes help with flat batteries, lockouts, diagnosis and minor repairs. Vehicle type – an important factor in determining green slip prices. Take a look and see if you can get a better deal. This is covered by comprehensive car insurance. “NRMA” provides Membership, the “my nrma app” and other services. CTP Driver Protection Cover is provided for as long as the NRMA . Eligible Recipients (as defined in paragraph 4 below) agree to be bound by these conditions. If you want to update the address of your contents or your mailing address, you can do this by: Logging in to your account. Choose NRMA Insurance for your business and enjoy: We cover small businesses of all shapes and sizes – from tradies to hospitality to farms. From 1 July 2022, NRMA Insurance will replace SGIC for new and renewing CTP policies. renewal notice from Transport for NSW (TfNSW) your Payment Reference Number (PRN), and. NRMA Car Insurance - CTP Green Slip (NSW) 2. Kelsey Orchard-Fogg 19 Burnett Street, Cessnock NSW 2325 By. 02. To find out how much it costs to get covered with a CTP Green Slip, you’ll need to provide some information about your vehicle and how it’ll be. Find out how MAI providers ACT differ. Post: GPO Box 7037, Sydney, NSW 2001. Comprehensive Car Insurance from NRMA Insurance* protects your car for accident damage, theft, severe weather, and more. An age excess also applies if a driver is over 25 and has had their provisional or probationary license for less than 2 years. You must buy a CTP Green Slip in NSW before you can register your vehicle. VIC) 18+ who are existing NRMA Insurance Help Hub customers only. Complete NRMA Insurance NSW CTP Notice Of Policy Cancellation 2020-2023 online with US Legal Forms. com. 40. com. * National Roads and Motorists. Get a Motorhome Insurance quote. NRMA Insurance is part of the Insurance Australia Group. NRMA Car Insurance issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as NRMA Insurance. renew online. A Certificate of Currency is proof that you have an active. How helpful was this answer? 5 stars 4 stars 3 stars 2 stars 1 star. Customer service received was very professional and helpful with all my needs. Most injured persons will be eligible for the first $5,000 of their medical expenses. (50 years+ membership - from 25 March 2023) Discounted price for My NRMA membership with roadside assistance packages covering up to two vehicles. Annual. New express paymentsNRMA Greenslip buyers in NSW receive automatic at-fault coverage in accidents wherein the claimant is the at-fault driver. Keep your membership card handy. You can pay for your CTP Green Slip: Online By calling us on 131 144 At your local branch By post (complete the payment slip on your policy certificate and send it to NRMA Insurance, Reply Paid 9871, Sydney NSW 2000) Renewal payments. Monthly payments are also available for add on products as well that are attached to your roadside subscription. NRMA Insurance CTP Green Slip is linked with your vehicle’s registration, meaning that you can’t register your car unless you have a policy in place. Keep your membership card handy. To cancel any other policy, contact us. Cover for your car in an accident, plus other cars and property if it’s your fault. Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. The details of the person driving the at-fault vehicle 2. NRMA Insurance acknowledges the Traditional Owners of the lands across Australia as the continuing custodians of land and waterways in which we live and work. Get the Ctp cancellation form nrma accomplished. Compulsory third party (CTP) insurance – called a green slip in NSW – is compulsory in Australia. Accidents. Market value is our assessment of the value of the motorcycle or scooter, at the time of a claim. 1800 646 605 (8am–8pm, Mon–Fri and 8am–4pm, Sat–Sun) Home & business alarms. Even if your other cars don't get used much, or only on short trips, it's important to still be covered for roadside assistance. Learn more about the levels, or read the Product. Our CTP customers in South Australia will benefit from the scale of a single national. The link is to the T&Cs as I am not a NRMA member. SIRA has issued a letter of censure to CTP insurer NRMA Insurance following an investigation into the incorrect calculation of weekly benefits to over 2,000 customers. NRMA Insurance is part of the Insurance Australia Group. Talk to us, get support, find answers to your questions or locate a branch in NSW or ACT. Comprehensive Plus The highest. If they need assistance, someone else can help by filling in the appropriate forms to start their claim. We're available 24 hours a day, 7 days a week. Easily fill out PDF blank, edit, and sign them. Download your policy booklets, including Product Disclosure Statements, Premium, Excess & Discount Guides, and Key Facts Sheets. Name. with NRMA Insurance*. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). You also get extra cover for certain serious injuries if you cause an accident.