Most drivers think compulsory third-party insurance has them covered—until they’re staring at a crumpled bumper and an uninsured headache. In this episode of The OMB Law Board, Simon Bennett sits down with Sam from OMB’s Litigation team to unpack the smart first steps after a “smash & bash”: staying safe, exchanging details, taking photos, when to call police, and why notifying your insurer quickly matters. They demystify CTP vs comprehensive cover (and what each actually pays for), explain how fault is worked out, and walk through recovering costs if you don’t have insurance—or if an insurer comes knocking on you. Then they zoom out: property damage isn’t just cars. Think hail-hit roofs, boats and jet skis on the waterways, maintenance obligations that can make or break a claim, and what to do if your insurer says “denied,” including escalating to AFCA and getting legal help. Practical, calm, and a little eye-opening—this one could save you time, stress, and money. Tune in to learn what to do now… and what to avoid.

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