Share Blog:

How to survive a traffic accident

【旅遊巴/自駕遊】旅行遇上交通意外如何自救?
Author
Kwiksure Team
Created On
2020-06-24
Edited On
2026-07-21
Text Size

Traffic accidents are the main cause of injury and death for travelers. According to the WHO, 10% of these accidents happen in developing countries.

Hopping on cheap flights and road trips are becoming increasingly popular among Hong Kongers. As a result, we have broadened our palette for travel beyond the traditionally popular hotspots like Taiwan, Japan, Thailand, and mainland China.

However, every country has a different road system, and with it, the design, construction quality, rules, and driving habits can vary tremendously. In other words, there is a risk of traffic accidents whether you are traveling by yourself or with a tour group. 

Today, Kwiksure will give a quick rundown on how to survive an accident while on a road trip and aboard a tour bus. Read this before you go. Learn to stay calm in the face of danger and make the right judgments to protect yourself and others.

Table of contents
  • What to do when your tour bus crashes
  • What to do when your car crashes
  • Is it enough to buy only travel insurance for a road trip?
  • Understand different insurance plans
CTA Travel Insurance Whatsapp Quote Banner

What to do when your tour bus crashes

Nobody expects to get into a traffic accident while they are on vacation. Here is what to do when you find yourself in one. 

1. Pay attention to the design of your tour bus 

No matter what vehicle you’re getting on, you should keep track of the nearest emergency exits and tools (ex. emergency hammer). You can do this before you even board the coach! Also, you should check if there are any damages done to the equipment and if they are still locked. So, even if you find yourself in the dark or a smoke-filled environment, you can escape immediately. 

Besides the fire exits at the rear and both sides of the vehicle, check whether there is an exit on the roof. This way, you have an alternative escape route if the coach turns over or the fire exit closest to you is stuck.

Last but not least, avoid seating passengers with limited mobility near the fire exit, so they won’t be obstructing escape when accidents happen. 

2. Tell your driver, then open the fire exit 

As soon as you realize your coach is up in smokes, let your driver know and push open the fire exit. Because when your coach is on fire, the fire can spread very quickly. Timing is everything - you should get off the bus as soon as possible. 

3. Find the emergency hammer and fire extinguisher

Trapped in your coach during a car crash? You should escape by breaking open the windows with the emergency hammer. Windows are the easiest to break when you strike at their four corners. If you’re still having trouble breaking an entire piece of glass, try leaning back on your seat as a support and use both of your feet to smash the glass. As international standards dictate: a 60-seat tour bus should come equipped with 2 extinguishers and 2 emergency hammers.

If it’s a small fire, you can use a fire extinguisher to put it out. Remember the PASS rule:

  • Pull the pin at the top of the fire extinguisher, breaking the seal. 
  • Aim the nozzle towards the base of the fire, standing a safe distance away. 
  • Squeeze the handles together to unleash the extinguishing agent inside. 
  • Sweep the nozzle from side to side at the base of the fire. Remember to make sure there are no more smouldering hot spots that could reignite the fire! 
經快而保買獨立交強險/商業險,出單快捷方便,符合內地需求!

What to do when your car crashes

Unfortunately, car crashes can be incredibly common with many potential causes. Here is a list of the most common causes, and what you can do in each situation.

1. Flat tire

Once your car tire is punctured, the air inside will quickly leak out. If it’s your front tire that is punctured, grip your wheel firmly, and gently steer the front of the car. Do not repeatedly hit the steering wheel, let alone slam on the brakes. Wait until your vehicle gradually slows down, then tap the steering wheel. When you’ve stopped safely, put up a vehicle breakdown sign behind your car to avoid more accidents. 

Your car will lean towards the side of the punctured tire once your tire flats. At this time, you should release the pedal to gradually slow down the car. It’s a lot less dangerous if it’s your back tires that are punctured. You only need to hold firmly to your wheel - no steering is involved.

2. Engine water temperature is too high

There are many reasons why your engine overheats. Your fan belt might have snapped, water tank or pipes leaked, thermostat failed, or your fuel tank leaked. These are just a few of the most common reasons. 

If this happens to you, first, you have to slow down your car. Then, drive up to a nearby curb. However, don’t immediately turn off your engine. Otherwise, the softer metals of your car might melt off.

As your engine cools down, do not pour cold water on it. This might cause the engine block to burst due to the sudden coldness. The best way to do this would be to put on your gloves, and put a wet, folded towel on your water tank. Then, gently unscrew the water tank cover leaving only a small space between the tank and the cover. Next, slowly wait for the water vapor to seep out. Add cold water or antifreeze only after the water tank pressure drops. 

3. Brake malfunctions

If your brake fails, you can switch to an emergency brake. However, you must control it properly. Don't yank violently on the hand brake, or else the wire rope will break. This causes the brake to fail or even lock the rear wheel of the vehicle, which will result in your vehicle losing control.

The correct method is to slowly pull up the hand brake. It’s important to alternate between tightening and loosening your grip several times. This gradually slows your car to a stop. When pulling the hand brake, press the safety button. It gives you control throughout the process of tightening and loosening. Moreover, this prevents your car from locking itself when you tighten the hand brake.

What if your brake malfunctions at a dangerous location, such as while you were going downhill? To prevent making the situation worse, try making use of the roadside obstacles, like sand, mud piles, grass, road trenches, woods to force your car to stop.

4. Fuel tank leakage 

You accidentally hit the fuel tank while driving on a bumpy road and cause oil leakage, but the repair site is far away. What do you do?

You can stick your used chewing gum to the leaking part of the fuel tank. Because the chewing gum can tightly seal the dripping part after it has dried and hardened, it’s great in emergencies like this. 

比較全港逾60間保險公司報價,快而保汽車保險中介為你挑選最符合你要求的車保,立即報價!

Is it enough to buy only travel insurance for a road trip?

Most travel insurance plans don’t cover the medical expenses and property losses of third parties in traffic accidents. So, you should buy independent rental car insurance by yourself or through your car rental company. For more information about car rental insurance, please visit our Tips on self-drive travel and rental car insurance.

比較全港逾60間保險公司報價,快而保汽車保險中介為你挑選最符合你要求的車保,立即報價!

Understand different insurance plans

Besides car insurance (i.e. third-party insurance and comprehensive car insurance), Kwiksure also provides motorcycle insurancemaid insuranceVHIS, and many other products. Brush up on your driver’s knowledge with our informative articles like How to maintain your cars and What to do in the event of a car accident

Contact us today to receive a free quote

The above information is for reference only. Kwiksure takes no responsibility for the accuracy and timeliness of the information. For the coverage, mode of compensation, benefit limit and premium levels of any specific insurance plan, please refer to the relevant policy terms.
經快而保買獨立交強險/商業險,出單快捷方便,符合內地需求!

Contact Kwiksure to get travel insurance

Kwiksure has over 20 years of experience in the travel insurance industry, comparing quotes from over 60 insurers in Hong Kong. Start purchasing your travel insurance plan now!

The above information is for reference only. Kwiksure takes no responsibility for the accuracy and timeliness of the information. For the coverage, mode of compensation, benefit limit and premium levels of any specific insurance plan, please refer to the relevant policy terms.

kwiksure_team
Author
Kwiksure Team

Kwiksure is a licensed motor insurance brokerage company with over 20 years of experience in insurance. The company strives to simplify insurance and select the best insurance plans for customers that fit their budget and coverage needs.

Kwiksure provides a range of insurance products, including car insurance, motorcycle insurance, cross-border insurance between Hong Kong and Mainland China, home insurance, travel insurance, domestic helper insurance, and voluntary medical insurance. The team has been named "Best Car Insurance Broker" and "Outstanding Leadership Award" by various media outlets over the years.

新皇崗口岸懶人包|24小時通關、一地兩檢及公共交通一文睇清
Travel
2026-06-18

New Huanggang Port Guide | 24-hour customs clearance, co-location and public transport in one article

The new Huanggang Port is expected to open as early as July 2026, retaining 24-hour clearance services and adopting a "co-location arrangement" and "cooperative inspection, one-time clearance" model to facilitate cross-border travelers. Kwiksure provides a comprehensive overview of the new Huanggang Port's clearance information, operational model, and public transportation routes, offering the latest news on Shenzhen-Hong Kong border crossings.
【北上過關攻略】即時查看內地關口人流實況|3大必備工具|港車北上、高鐵適用
NTHKV
Travel
2026-04-20

[Guide to Crossing the Border] Real-Time Mainland Border Traffic Monitoring | 3 Essential Tools | For "Northbound Travel for HK Vehicles" & High-Speed Rail

Heading North during holidays has become a major trend for Hongkongers. Want to avoid waiting for hours in suffocating crowds at Lo Wu, Lok Ma Chau, or Shenzhen Bay? Mastering "Real-Time Traffic Inquiries" is a must-have skill for every traveler. Key tools include the " HK Immigration Department App ," " Easy Boundary ," and the WeChat Mini Program " iPort ". Today, Kwiksure introduces these three essential tools to help you track waiting times and ensure a smooth journey between Hong Kong and Mainland China.