本帖最后由 西澳瓶鼻海豚 于 25-12-2014 14:53 编辑
这是政府解释和法源---------
Compulsory Third Party (‘CTP’) insurance is personal injury insurance that is mandatory for every motor vehicle registered in Australia.
CTP insurance indemnifies vehicle owners and drivers who are legally liable for personal injury caused to any other party in the event of a motor vehicle accident. It will cover you for personal injury claims made against you by other road users such as drivers, passengers, pedestrians, cyclists, motorcyclists and pillion passengers involved in a motor vehicle accident.
All personal and fatal injury claims resulting from motor vehicle crashes that involve an ACT registered vehicle are handled by third party insurers licensed to provide CTP insurance in the ACT. From 1 July 2013, there will be four licensed CTP insurers in the ACT- Insurance Australia Limited (trading as NRMA Insurance), GIO, AAMI and Apia. Motorists will have the ability to choose from one of the new insurers (GIO, AAMI or Apia) from 15 July 2013.
Vehicles which are owned by the Commonwealth of Australia or the Australian Capital Territory are not required to be insured but the governments involved must meet claims under their own arrangements in the same way as an insurer would.
As the CTP insurer is named on the vehicle registration certificate, a separate CTP certificate does not need to be issued.
Since 1 October 2008, new CTP legislation applies in the ACT to all claims arising from accidents occurring from that date onwards. This legislation is the Road Transport (Third-Party Insurance) Act 2008 and the Road Transport (Third-Party Insurance) Regulation 2008. This legislation is administered by the Chief Minister and Treasury Directorate. CTP claims are also subject to the Civil Law (Wrongs) Act 2002 and the Limitation Act 1985, which are administered by the Justice and Community Safety Directorate. The interpretation of legislation is a matter for the courts.
For claims arising from accidents before 1 October 2008, the relevant legislation is the Road Transport (General) Act 1999 and the Road Transport (Third-Party Insurance) Regulations 2000.
简单的来说：
第三者：在保險合同中，保險人是第一方，也叫第一者；被保險人或使用保險車輛的致害人是第二方，也叫第二者；除保險人與被保險人之外的，因保險車輛的意外事故致使保險車輛下的人員遭受人身傷亡或財產損失，在車下的受害人是第三方，也叫第三者。同一被保險人的車輛之間發生意外事故，相對方均不構成第三者。
这是我的理解，如果错误，请懂的同学指正。 |
楼主: 西澳海豚
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楼主
发表于 25-12-2014 17:05:23
