This Accident Fact Kit has been kindly donated by autoachiva.
Print the Accident Kit form and familiarize yourself with the content of the form and place it in your glove compartment with a pen (to fill out the forms), pencil (to draw the place of accident), chalk (to mark the vehicles position if serious injury or death) and a disposable camera (to take pictures of both vehicles and the scene). If your cell phone has a camera, you can ignore the disposable camera.
This refers to a life insurance premium which remains constant throughout the duration of a policy. An individual may pay R1 000 per annum for 30 years for example. The effect is to load the premium in earlier years when the risk of death is lower and to pay a lower than needed premium in later years when the mortality risk is higher.