Thread: amazing stat!

I was sitting waiting for a tram the other day in St Kilda, watching an RBT on the other side of the road. They were waving cars past, kept waving them past....then ooh a flash BMW, pull him in, next a Porsche, then a Volvo XC-90. They were only pulling in the flash cars. they had them there for a while too and were doing more than the breathalyzer, other drug tests?

Originally Posted by UncleHo

G'day Folks
My understanding of 3rd Party Insurance is: Driver(you) 1st Prty, Driver other vehicle 2nd Prty, Passenger/s 3rd prty/s so any accident with an unregistered/uninsured vehicle the passengers miss out, so if you're regoed, the other not, your passengers miss out.

I think it may vary slightly from state to state, but the NSW situation is:-

"Australia wide, 24 hours a day, your CTP insurance covers:

* your passengers
* other road users, such as drivers, passengers, pedestrians, cyclists, motor cyclists and pillion passengers
* injuries caused through the use of a trailer

It does not cover:

* you for personal injury if you are the driver at fault in an accident
* damage to property or other vehicles" (from www.maa.nsw.gov.au)

In addition to this from 1/10/06 there is a special treatment for children - these are covered regardless of fault (any other claim has to prove a driver is at fault, so what this does is extend the cover to children who run across the road in front of your car for example). Note that this emphasises the fact that the insurance provides legal liability cover for the driver, not coverage for those injured - they are only covered if a driver is at fault. If I remember correctly the Victorian scheme is different in that it is not fault based and provides coverage for death or injury regardless of who if anyone is at fault.
John