In the world of insurance, a key distinction that can significantly impact your coverage and premiums is whether an accident is deemed "at fault" or "not at fault." At KT Insurance, we understand the importance of clarity when it comes to your coverage. In this article, we'll unravel the differences between at fault and not at fault accidents and shed light on the excess-free benefits available with KT.

At Fault vs. Not At Fault

At Fault Accidents:

An accident is considered "at fault" when the primary responsibility for the incident lies with the insured party. This may result from actions such as running a red light, failing to yield, or any other violation of traffic rules. In at fault accidents, the driver's insurance typically bears the financial responsibility for repairs and other related costs.

Not At Fault Accidents:

Conversely, a not at fault accident occurs when the insured party is not responsible for the incident. This could involve being hit by another driver who runs a stop sign, rear-ends your vehicle, or engages in other negligent behaviour. In not at fault accidents, the responsible party's insurance is generally responsible for covering the costs associated with the damages.

Understanding Excess-Free Benefits

KT Insurance is proud to offer a range of excess-free benefits to its policyholders. The term "excess" refers to the amount you are required to pay out of pocket when making a claim. KT’s excess-free benefits include:

Medical Emergency Assistance:

If your health takes a turn for the worse, our Medical Emergency Assistancecovers $10,000 of urgent transport for yourself, your family, your pet, and your RV, with no excess and no effect on your no claim bonus.

Windscreen Chip Repair:

If glass can be legally repaired, we cover 1 excess-free repair per policy period up to $500, with replacement costs also covered less a $200 excess without affecting your no claim bonus.

Animal Collision:

For damage caused to a single vehicle by an accidental animal collision, we cover 1 excess-free claim per policy period, from small repairs right up to larger accidents resulting in total loss.

Re-keying and Re-coding:

If the keys to your RV are stolen or lost, we will pay for the replacement of the keys and necessary re-coding of the locks to your RV up to $750 for any one incident. No excess will apply if there is no other loss or damage to your Recreational Vehicle. T&Cs apply.

In addition to our range of excess-free benefits, we also offer policyholders a range of excess options to give you greater flexibility with your RV insurance.

• Policies with a total sum insured below $100,000 will be able to select $500 as the minimum excess, with policies over $100,000 having a minimum excess of $750
• All policies will have excess options between $750 and $2,000 in increments of $250, with excesses also available between $2,000 and $5,000 in $500 increments.

Navigating the roads of insurance can be a complex journey, but with KT Insurance, you're in good hands. Understanding the difference between at fault and not at fault accidents is crucial for making informed decisions about your coverage. With our excess-free benefits, we aim to provide peace of mind and financial relief when you need it most.