The Road Ahead : February March 2008
FEB/MAR 08 21 IIn this edition, we look fur ther at Compulsor y Third Par ty (CTP) motor vehicle insurance. This is the mandator y insurance you take out when paying your motor vehicle registration. If your car is unregistered, it will be uninsured for CTP. CTP insurance provides motor vehicle owners and drivers cover for unlimited liability for personal injur y claims, made against them, caused by the use of their insured motor vehicle. Before someone can claim against your CTP insurer, he or she must establish negligence against you, the owner, or the driver of the insured vehicle. If you are an injured par ty, your claim is against the CTP insurer of the motor vehicle whose owner or driver is at fault. If you, as the driver, cause a crash and are injured, you generally cannot claim against your insurer. Some insurers offer an 'at fault' driver's injur y policy, which may assist. If you caused the accident, the injured person can claim against your CTP insurer but the insurer has rights to recover its costs from you in cer tain circumstances (e.g. driving under the influence of alcohol or drugs). CTP insurance goes with the motor vehicle rather than its driver. If you are driving a motor vehicle that belongs to someone else, check that it has current registration. For general CTP information, contact the Motor Accident Insurance Commission: www.maic.qld.gov.au. This column provides general information on legal topics. Members can contact the RACQ Legal Advisor y Ser vice on (07) 3361 2575. CTP vehicle insurance WITH RACQ'S LEGAL ADVISORY SERVICE street legal features STORY BELINDA PETERS Many Queenslanders join RACQ for the peace of mind membership brings them while they're driving. While that in itself is wor th the price of membership, RACQ Club Care offers more than roadside assistance. The RACQ can come to the rescue in other ways, offering many benefits that can help members save significant time and money. Members needing urgent help can call RACQ on 13 1905 and receive free 24-hour assistance. You might need help to find a plumber at 3am or to locate a medical centre when out of town, for example. RACQ also of fers free, exper t, legal advice on motoring- related matters, technical and mechanical vehicle advice and traffic and safety matters. Flashing an RACQ membership card can also help you to save money, with the 'Show Your Card and Save' program offering discounts on accommodation, mechanical repairs, shopping, enter tainment and much more. The Club's loyalty program also offers discounts on RACQ products and ser vices such as RACQ insurance, vehicle inspections, driver education, pre-purchased theme park tickets and products at the RACQ shop. By taking out CTP insurance with RACQ Insurance, members can even save $10 off their Club Care membership fee. Y range of benefits. Your RACQ membership delivers a range of benefits. REAP rewards The loyalty program includes five levels of ser vice (Blue through to Gold 50+). The longer your membership continues, the greater the rewards. A new addition to RACQ's list of member benefits is free subscription to the real-time traffic information website mydrive.com.au/racq (valued at $59.40 a year). This site allows subscribers to search for up-to-date information on road congestion and roadworks along a par ticular route. For more details, pick up a member brochure from your local RACQ branch, visit racq.com or call 13 1905. CLUB CARE AT A GLANCE • 24-hour roadside assistance on 13 1905. • 24-hour emergency help line on 13 1905. • 'Show your card and save' discounts on a variety of products and ser vices, including theme parks -- see racq.com. • Free myDrive subscription, valued at $59.40 (visit mydrive. com.au/racq to register). • Six editions of The Road Ahead each year. • Advice on a range of issues, including travel, technical (mechanical), car purchase, legal and traffic matters. • Free touring maps. • Member loyalty discounts.
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April May 2008