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看了论坛这么多问出了变乱怎么办的，感觉应该仍是提前读下法律法规，真碰到了状况能从容应答：
http://www.legalaid.vic.gov.au/f ... iving-and-accidents
摘要：
Reporting the accident to the police:
You must report the accident to the police if:
----anyone’s property is damaged
----the other person involved in the accident does not stop or refuses to give their details.
Police may not attend the accident scene unless someone has been injured.
Insurance
If you have insurance let your insurer know about the accident as soon as possible after the accident. This is important, even if you decide not to make a claim against your insurance.
Most insurance policies say that you have to notify the insurer of any accident. This is called a ‘duty of disclosure’. Notifying your insurer also allows you to make a claim later if the damage is going to cost more than you thought.
There are different levels of insurance cover. You may only be insured for damage to vehicles and property that belongs to others. This is called third party insurance.
Comprehensive insurance policies cover damage to your vehicle too. In most cases you will have to pay some of the money. This is called the excess. The amount you have to pay depends on your insurance policy.
Comprehensive insurance也能够保本人！
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论坛元老