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[投资理财] 分享:大家都知道什么是CTP INSURANCE么?

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中尉

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2012-4-25 17:41:42 | 显示全部楼层 |阅读模式
CTP: COMPULSORY THIRD PARTY在昆州,CTP 是每一辆持合法牌照上路的机动车都必须缴纳的保险。为什么是强制性的呢?为了保障驾驶员,乘客或者路人的生命安全。当有车辆事故发生的时候,不至于出现人员伤残没人管的境况。有时候人们把CTP与TPP(THIRD PARTY PROPERTY INSURANCE)混淆了。TPP是人们常提起的“三险”,比方说,我在路上不小心追尾将前面车的保险杠撞坏了,维修保险杠的钱由我的TPP来负责。如果被撞车的驾驶员因为碰撞而导致脊椎受损,这个身体伤害由CTP来负责。简单的说,CTP只管人,不管车。
下面的信息摘自QUEENSLAND TRANSPORT的网页:http://www.maic.treasury.qld.gov.au/ctp-premium/faqs.shtml
What is CTP insurance?CTP insurance indemnifies vehicle owners and drivers who are legally liable for personal injury to any other party in the event of a motor vehicle accident. Your CTP insurance will cover you for personal injury caused by, through or in connection with the use of the insured vehicle in incidents to which the Motor Accident Insurance Act 1994 applies. It will cover you for claims made against you by other road users such as drivers, passengers, pedestrians, cyclists, motorcyclists and pillion passengers.
What does third party mean?There are three parties to CTP. The first party is the owner/driver of the vehicle 'at fault'. The second party is the CTP insurer of the vehicle 'at fault'. The third party is the injured person.
Does CTP insurance cover damage to property or other vehicles?No. CTP insurance only covers personal injury to another party where a legal liability can be established.
What if I don't have CTP insurance?CTP insurance is compulsory and a condition of motor vehicle registration. If an accident occurs involving a vehicle without registration and CTP insurance, the driver and owner may be financially liable for the damages paid to the injured person. In addition, owners and drivers of unregistered vehicles face hefty fines.
What rights do I have if I'm injured in an accident?An injured party may claim compensation from the CTP insurer of the owner/driver of the 'at-fault' vehicle provided negligence can be established. You can still claim if you were partly at fault, but the compensation you are entitled to may be reduced. You cannot make a claim if you:
  • were the driver and totally at fault; or
  • no-one was at fault.

Who pays if I'm injured and there is no 'at-fault' vehicle?You will need to rely on sick leave, social security, Medicare and the public health system, unless you have other personal injury insurance and/or private health insurance. Motorists, particularly drivers, should consider having some form of personal insurance to cover those situations where they are the 'at fault driver' or no-one is at fault for the accident. Insurers may offer limited additional benefits of at-fault driver cover for serious injuries or death. (Contact each insurer for details on policy coverage and exclusions.)
大家下次收到REGO RENEWAL的时候不妨注意下你的CTP是哪家公司提供的,其实每一个车主都有自己选择CTP INSURER的权利,想要更换INSURER的同学可以使用这个链接:http://www.maic.treasury.qld.gov.au/ctp-premium/changing-insurer.shtml

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2012-4-26 19:24:15 | 显示全部楼层
感謝分享.

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 楼主| 2012-4-28 07:41:29 | 显示全部楼层
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