Australian Capital Territory
Road Transport (Third-Party Insurance) Act 2008
A2008-1
    
Contents
	Page
Chapter 1	Preliminary
Part 1.1	Introduction
	1	Name of Act	2
	2	Commencement	3
	3	Dictionary	3
	4	Notes	3
	5	Offences against Act—application of Criminal Code etc	4
Part 1.2	Important concepts
	6	What is a personal injury?	5
	7	Meaning of motor accident and injured person	5
	8	When does someone use a motor vehicle?	6
	9	What is the insurance industry deed?	6
	10	What may be included in the insurance industry deed?	7
	11	What is CTP insurance business?	8
	12	Who is an owner of a registered motor vehicle?	8
	13	Who is an owner of an unregistered motor vehicle?	9
	14	Possession not affected by certain changes	9
Chapter 2	Compulsory third-party insurance (CTP insurance) 
Part 2.1	CTP insurance—requirement
	15	What is an insured motor vehicle?	10
	16	Who is a CTP insured person?	10
	17	Offence—using uninsured motor vehicle on road or road related area	10
Part 2.2	CTP policies
	18	What is a CTP policy?	12
	19	What is insured under a CTP policy?	12
	20	Who is insured under a CTP policy?	12
	21	What risks are covered by a CTP policy?	13
	22	What risks are not covered by a CTP policy?	13
	23	Who is the CTP insurer?	15
	24	Licensed insurer not to decline etc to issue CTP policy	15
	25	CTP insurer to indemnify insured people	15
	26	CTP policy not affected by change of vehicle ownership	16
	27	CTP policy not affected by errors	16
Part 2.3	Selecting a CTP insurer
	28	Selecting at first registration	17
	29	Selecting at renewal of registration	17
	30	What is a registered motor vehicle?	17
Part 2.4	Length of CTP policy
	31	CTP policy takes effect on registration or renewal	18
	32	CTP policy in effect while insurer on risk	18
	33	Insurer on risk—period of registration	18
	34	Insurer on risk—period of grace	19
Part 2.5	Cancellation of CTP policies
	35	CTP insurer cannot cancel CTP policy	21
	36	CTP policy cancelled if registration cancelled	21
Part 2.6	CTP premiums
Division 2.6.1	Approval of CTP premiums
	37	What is a CTP premium?	22
	38	Licensed insurer to charge approved premium	22
	39	CTP regulator may make CTP premium guidelines	22
	40	Licensed insurer to apply for approval of premiums	23
	41	CTP regulator to approve or reject premiums	24
	42	Criteria to reject premium	25
	43	Criteria to decide if premium will fund liabilities	25
	44	CTP regulator may reconsider rejected premiums	26
	45	Arbitration of unresolved premiums	26
	46	CTP regulator to report on licensed insurer’s profit margins	27
Division 2.6.2	CTP premium board
	47	CTP premium board	28
	48	Functions of board	28
	49	Board members	28
	50	Appointment of board members	28
	51	Appointment of deputy chair	30
	52	Ending board member appointments	30
	53	Honesty, care and diligence of board members	31
	54	Conflicts of interest by board members	31
	55	Board agenda to require disclosure of interest item	31
	56	Disclosure of interests by board members	31
	57	Reporting of disclosed CTP premium board interests to Minister	34
	58	Protection of CTP premium board members from liability	34
Part 2.7	Nominal defendant liable for uninsured or unidentified motor vehicles
	59	Nominal defendant	36
	60	What is an uninsured motor vehicle?	36
	61	Nominal defendant liable—uninsured motor vehicle	37
	62	What is an unidentified motor vehicle?	39
	63	Nominal defendant liable—unidentified motor vehicle	40
	64	Nominal defendant may deal with motor accident claim	41
	65	Nominal defendant to pay motor accident claims from nominal defendant fund	41
	66	Nominal defendant fund	42
	67	Collections for nominal defendant fund	43
Chapter 3	Early payment for treatment of motor accident injuries
Part 3.1	Important concepts
	68	Who is a person’s insurer?	44
	69	What is a motor accident notification form?	44
	70	What is a motor accident medical report?	45
	71	What are medical expenses?	45
Part 3.2	Early payment
	72	Entitlement to early payment—injured person to give forms to insurer within 28 days	46
	73	What kinds of expenses must be paid by insurer?	46
	74	Maximum amount insurer is required to pay	47
	75	Early payment—no effect on liability	47
Chapter 4	Motor accident claims
Part 4.1	Preliminary—ch 4
	76	Definitions—ch 4	49
	77	What is a motor accident claim?	51
	78	Who is the claimant for a motor accident claim?	51
	79	Who is the respondent for a motor accident claim?	51
	80	Who is an insured person?	52
	81	Who is the insurer for a motor accident claim?	52
	82	Insured person not to admit liability, settle or make payments	53
	83	Power of insurer to act for insured	53
Part 4.2	Motor accident claims procedures
	84	Notice of claim	55
	85	Time for giving notice of claim—CTP insurer	56
	86	Time for giving notice of claim—nominal defendant	57
	87	Respondent to identify and notify others	57
	88	Preliminary response to claimant	58
	89	Acknowledgment that proper respondent not admission of liability	60
	90	Response to notice of claim	60
	91	Claimant may add later respondents	62
	92	Multiple respondents	63
	93	Respondent may add contributor	64
	94	Contributor’s response	65
	95	Noncomplying notice of claim may be complying notice of claim	65
	96	Claimant not to proceed without complying notice of claim	67
	97	Respondent to try to resolve motor accident claim	68
	98	Time limit exception—legal disabilities	69
	99	Costs awarded if noncompliance with pt 4.2—claimant	71
	100	Costs awarded if noncompliance with pt 4.2—respondent	71
Part 4.3	Obligations to give documents and information
	101	Purpose—pt 4.3	72
	102	What is a required document?	72
	103	What is relevant claim information?	72
	104	Claimant to give documents and information to respondent	73
	105	Respondent to give documents and information to claimant	74
	106	Respondent to give documents and information to contributor	75
	107	Contributor to give documents to respondent	76
	108	Alternative provision if more than 200 pages	77
	109	Exception to obligation—client legal privilege	78
	110	Exception to obligation—party already has documents or information	78
	111	Exception to obligation—party suspects fraud	79
	112	Offence—failure to give document or information	79
	113	Consequences of failure to give document	80
	114	Privilege generally for documents and information	80
Part 4.4	Enforcement of pt 4.2 and pt 4.3
	115	Court’s power to enforce compliance with pt 4.2 and pt 4.3	81
	116	Offence—false or misleading statements	81
Part 4.5	Expert reports
	117	Panel of recognised medical experts	83
	118	Parties may jointly arrange for expert report	83
	119	Cost of expert report obtained by agreement	84
	120	Examination by expert if no agreement	84
Part 4.6	Respondent to pay for medical expenses and rehabilitation services
Division 4.6.1	Medical expenses
	121	Preconditions to payment of medical expenses	86
	122	Respondent to pay injured person’s medical expenses	86
Division 4.6.2	Rehabilitation services
	123	What is rehabilitation?	87
	124	What are rehabilitation services?	87
	125	What are provided rehabilitation services?	88
	126	Respondent may make rehabilitation services available	88
	127	Respondent to make rehabilitation services available	88
	128	Respondent to give assessment of damages notice	89
	129	Cost of services and assessment of damages	89
	130	Reasonable and appropriate services—mediation	90
	131	Reasonable and appropriate services—court proceeding	90
	132	Respondent to pay for rehabilitation services	90
	133	Cost of rehabilitation services—mediation	91
	134	Cost of rehabilitation services—court proceeding	91
Division 4.6.3	Medical and rehabilitation guidelines
	135	CTP regulator may make medical and rehabilitation guidelines	92
Part 4.7	Compulsory conferences before court proceedings
	136	Compulsory conference	94
	137	Compulsory conference may be dispensed with	95
	138	Compulsory conference mediator	95
	139	Procedures before compulsory conference	95
	140	Attendance and participation at compulsory conference	97
Part 4.8	Mandatory final offers
	141	Mandatory final offers	99
	142	Mandatory final offers may be dispensed with	99
	143	Timing of mandatory final offers	100
	144	Working out costs for mandatory final offers	100
	145	Court proceedings not to begin if mandatory final offer open	100
Part 4.9	Court proceedings
	146	Time limit for beginning proceeding	102
	147	Time limit—compulsory conference	102
	148	Time limit—no compulsory conference	103
	149	Time limit—no mandatory final offers	104
	150	Need for urgent proceeding	104
	151	Insurer to be joint or sole defendant	105
	152	Procedure if respondent is insurer	106
	153	Exclusion of summary judgment on the basis of admissions	106
	154	Insurer’s right to call and cross-examine insured person	107
	155	Costs—small awards of damages—generally	107
	156	Costs—small awards of damages—exceptions	109
Part 4.10	Judgment for noncompliance with time limits
	157	Definitions—pt 4.10	111
	158	Notice time limit not complied with	111
	159	Thing not done within 7-day period—claimant as enforcing party	112
	160	Thing not done within 7-day period—respondent as enforcing party	112
	161	Thing not done within 7-day period—court may make orders	113
	162	Court orders in favour of claimant	113
	163	Court orders in favour of respondent	114
Part 4.11	CTP insurer and nominal defendant may recover costs incurred
Division 4.11.1	Preliminary
	164	What are costs?	115
	165	Insurer may only recover costs once	115
	166	Proceeding to recover costs	116
Division 4.11.2	CTP insurers
	167	CTP insurer may recover excess if 25% fault	116
	168	CTP insurer may recover $2 000 if CTP premium fraud	116
	169	CTP insurer may recover costs if no authority to use vehicle	117
	170	CTP insurer may recover costs if injury intentional	118
	171	CTP insurer may recover costs if driver using alcohol or drugs	118
Division 4.11.3	CTP insurer and nominal defendant
	172	Insurer may recover costs if motor vehicle defective	119
	173	Insurer may recover costs if fraud	120
Division 4.11.4	Nominal defendant
	174	Nominal defendant may recover costs from owner or driver	120
	175	Nominal defendant—access to territory information etc	121
Part 4.12	Other matters
	176	Insurer to deter fraudulent motor accident claims	122
	177	Extraterritorial operation	122
Chapter 5	Licensing of insurers
Part 5.1	Important concepts
	178	What is a CTP insurer licence?	123
	179	Meaning of former licensed insurer and licensed insurer	123
	180	Offence—unlicensed insurer issues CTP policy	123
	181	Unlicensed insurer liable for CTP policy	124
Part 5.2	Application for CTP insurer licence
	182	Licence—application	125
	183	Licence—eligibility	126
	184	Decision on licence application	126
	185	Licence conditions	127
	186	Matters that may be regulated by licence conditions	129
	187	Prohibited licence conditions	130
	188	Offence—contravening licence condition	131
	189	Contravention of licence condition does not affect CTP policy	131
	190	Offence—unlicensed insurer contravening licence condition	131
	191	Licence—length	132
	192	Transfer of licences	132
Part 5.3	Suspension of CTP insurer licence
	193	Licence suspension notices	133
	194	Grounds for licence suspension—contraventions	133
	195	Grounds for licence suspension—grounds other than contraventions	134
	196	Ending licence suspension	136
	197	Offence—issuing CTP policy if licence suspended	137
Part 5.4	Disciplinary action
	198	Meaning of licensed insurer—pt 5.4	138
	199	CTP regulator may choose disciplinary action instead of prosecution	138
	200	What are the grounds for disciplinary action?	138
	201	CTP regulator may refer matter to tribunal	139
	202	Disciplinary action tribunal may take	139
Part 5.5	Cancellation of CTP insurer licences
	203	Licence cancellation notices	141
	204	Grounds for licence cancellation	141
	205	Licence cancellation after surrender	142
	206	Insurer’s liabilities to be met before licence cancelled	142
Part 5.6	Transfer of CTP policies to other insurers
	207	Policy transfer notices	143
	208	Transfer of policies to other insurers	143
	209	Effect of transfer of policies	144
	210	CTP insurer licence register	144
Part 5.7	Supervision of licensed insurers
	211	What is a business plan?	146
	212	Licensed insurer to have business plan	146
	213	Licensed insurer to comply with business plan	147
	214	Licensed insurer to revise business plan	147
	215	CTP guidelines	147
	216	What is a licensed insurer’s market share?	148
	217	Working out market share of each licensed insurer	148
	218	Reinsurance arrangements of licensed insurers	149
	219	What are third-party funds?	149
	220	Licensed insurer to provide investment details	150
	221	Offence—licensed insurer to keep accounts	150
	222	Offence—licensed insurer to provide returns	151
	223	CTP regulator may publish returns	152
	224	Audit of accounting records and compliance with guidelines	153
	225	Offence—licensed insurer to assist appointed auditor	154
	226	Audit of licensed insurer’s profitability	154
	227	CTP regulator may ask for information etc	155
	228	How CTP regulator is to ask	156
	229	Offence—insurer to give information and documents	157
	230	Reports about insurers	157
	231	CTP regulator may apply for policy holder protection order	158
	232	Court orders to protect policy holders	159
	233	Offence—contravene court order	160
	234	Offence—insurer to tell CTP regulator about grounds for suspension	161
	235	Offence—insurer to tell CTP regulator of decrease in issued capital	161
	236	Offence—insurer to tell CTP regulator of bidder’s statement or target’s statement	162
	237	Only CTP regulator may issue proceeding against licensed insurer	162
Part 5.8	Insolvent insurers
	238	Definitions—pt 5.8	163
	239	Liquidators	163
	240	Insolvent insurer declarations	164
	241	Nominal defendant is insurer if CTP insurer insolvent	164
	242	Nominal defendant may recover from insolvent insurer	164
	243	Offence—liquidator to give motor accident claims to nominal defendant	165
	244	Offence—liquidator to give information etc to nominal defendant	165
	245	Offence—liquidator to allow inspection of documents	166
	246	Borrowing for nominal defendant fund	167
	247	Nominal defendant may intervene in legal proceeding	167
	248	Nominal defendant may take legal proceeding	168
Chapter 6	Enforcement
Part 6.1	Enforcement—general
	249	Definitions—ch 6	170
Part 6.2	Powers of authorised people
	250	Power to enter premises	171
	251	Production of identity card	172
	252	Consent to entry	172
	253	General powers on entry to premises	173
	254	Power to seize things	174
Part 6.3	Search warrants
	255	Warrants generally	175
	256	Warrants—application made other than in person	176
	257	Search warrants—announcement before entry	177
	258	Details of search warrant to be given to occupier etc	178
	259	Occupier entitled to be present during search etc	178
Part 6.4	Return and forfeiture of things seized
	260	Receipt for things seized	179
	261	Moving things to another place for examination or processing under search warrant	179
	262	Access to things seized	180
	263	Return of things seized	181
	264	Forfeiture of seized things	182
	265	Application for order disallowing seizure	183
	266	Order for return of seized thing	183
Part 6.5	Enforcement—miscellaneous
	267	Damage etc to be minimised	185
	268	Compensation for exercise of enforcement powers	185
Chapter 7	Information collection and secrecy
	269	Information to be provided by licensed insurers	187
	270	CTP claims register	188
	271	Secrecy	189
Chapter 8	Miscellaneous
	272	Application to Territory and Commonwealth motor vehicles	191
	273	CTP regulator	191
	274	Delegation of CTP regulator’s functions	191
	275	Review of Act	192
	276	Approved forms	192
	277	Regulation-making power	193
	278	Legislation amended—sch 1	193
	279	Legislation repealed	193
Chapter 9	Transitional
	280	Definitions—ch 9	194
	281	Transitional—personal injury claims	194
	282	Transitional—nominal defendant	195
	283	Transitional—premiums	195
	284	Transitional—authorised insurers	195
	285	Transitional—s 269	195
	286	Transitional regulations	196
	287	Expiry—ch 9	196
Schedule 1	Consequential amendments	197
Part 1.1	Civil Law (Wrongs) Act 2002	197
Part 1.2	Consumer and Trader Tribunal Act 2003	199
Part 1.3	Road Transport (Alcohol and Drugs) Act 1977	199
Part 1.4	Road Transport (Dimensions and Mass) Act 1990	200
Part 1.5	Road Transport (Driver Licensing) Act 1999	200
Part 1.6	Road Transport (General) Act 1999	200
Part 1.7	Road Transport (General) Regulation 2000	202
Part 1.8	Road Transport (Offences) Regulation 2005	204
Part 1.9	Road Transport (Public Passenger Services) Act 2001	206
Part 1.10	Road Transport (Safety and Traffic Management) Act 1999	206
Part 1.11	Road Transport (Vehicle Registration) Act 1999	206
Dictionary		207

Australian Capital Territory
Road Transport (Third-Party Insurance) Act 2008
A2008-1

An Act about third-party insurance, and for other purposes

    

The Legislative Assembly for the Australian Capital Territory enacts as follows:

Chapter 1	Preliminary
Part 1.1	Introduction
1	Name of Act
This Act is the Road Transport (Third-Party Insurance) Act 2008.
Note 1	This Act is part of the road transport legislation.  See the Road Transport (General) Act 1999 for various provisions about the administration and enforcement of the road transport legislation generally.
Note 2	Other road transport legislation includes the following:
·	Road Transport (Alcohol and Drugs) Act 1977
·	Road Transport (Dimensions and Mass) Act 1990
·	Road Transport (Driver Licensing) Act 1999
·	Road Transport (Public Passenger Services) Act 2001
·	Road Transport (Safety and Traffic Management) Act 1999
·	Road Transport (Vehicle Registration) Act 1999.
Note 3	A reference to an Act includes a reference to the statutory instruments made or in force under the Act, including any regulation (see Legislation Act, s 104).
2	Commencement
This Act commences on a day fixed by the Minister by written notice.
Note 1	The naming and commencement provisions automatically commence on the notification day (see Legislation Act, s 75 (1)).
Note 2	A single day or time may be fixed, or different days or times may be fixed, for the commencement of different provisions (see Legislation Act, s 77 (1)).
Note 3	If a provision has not commenced within 6 months beginning on the notification day, it automatically commences on the first day after that period (see Legislation Act, s 79).
3	Dictionary
The dictionary at the end of this Act is part of this Act.
Note 1	The dictionary at the end of this Act defines certain terms used in this Act, and includes references (signpost definitions) to other terms defined elsewhere.
	For example, the signpost definition ‘road transport legislation—see the Road Transport (General) Act 1999, section 6.’ means that the term ‘road transport legislation’ is defined in that section and the definition applies to this Act.
Note 2	A definition in the dictionary (including a signpost definition) applies to the entire Act unless the definition, or another provision of the Act, provides otherwise or the contrary intention otherwise appears (see Legislation Act, s 155 and s 156 (1)).
4	Notes
A note included in this Act is explanatory and is not part of this Act.
Note	See the Legislation Act, s 127 (1), (4) and (5) for the legal status of notes.
5	Offences against Act—application of Criminal Code etc
Other legislation applies in relation to offences against this Act.
Note 1	Criminal Code
The Criminal Code, ch 2 applies to all offences against this Act (see Code, pt 2.1).  
The chapter sets out the general principles of criminal responsibility (including burdens of proof and general defences), and defines terms used for offences to which the Code applies (eg conduct, intention, recklessness and strict liability).
Note 2	Penalty units
The Legislation Act, s 133 deals with the meaning of offence penalties that are expressed in penalty units.

Part 1.2	Important concepts
6	What is a personal injury?
In this Act:
personal injury means bodily injury and includes—
	(a)	psychological or psychiatric injury; and
	(b)	damage to spectacles, contact lenses, dentures, hearing aids, crutches, wheelchairs, artificial limbs and prosthetic devices; and
	(c)	death.
Examples—psychological or psychiatric injury
mental or nervous shock
Note	An example is part of the Act, is not exhaustive and may extend, but does not limit, the meaning of the provision in which it appears (see Legislation Act, s 126 and s 132).
7	Meaning of motor accident and injured person
In this Act:
motor accident means an incident that—
	(a)	involves the use or operation of a motor vehicle; and
	(b)	causes personal injury to an individual (the injured person); and
	(c)	happens when—
	(i)	someone is driving the motor vehicle; or
	(ii)	someone or something collides with the motor vehicle; or
	(iii)	someone takes action to avoid colliding with the motor vehicle; or
	(iv)	the motor vehicle runs out of control.
8	When does someone use a motor vehicle?
	(1)	For this Act:
use, a motor vehicle, includes—
	(a)	drive, park or stop the vehicle on a road or road related area; and
	(b)	maintain the vehicle; and
	(c)	if the vehicle is towing a trailer—use the trailer while attached to the vehicle; and
	(d)	if the vehicle is a tow truck towing or carrying an uninsured motor vehicle—use or operate the uninsured vehicle being towed or carried; and
	(e)	anything else prescribed by regulation.
	(2)	Also, if a trailer being towed by a motor vehicle becomes detached from the vehicle and runs out of control, the use of the vehicle is taken to include the trailer while it is running out of control.
9	What is the insurance industry deed?
In this Act:
insurance industry deed means a deed that—
	(a)	is between—
	(i)	the Territory; and
	(ii)	the nominal defendant; and
	(iii)	licensed insurers; and
	(b)	regulates the conduct of CTP insurance business and matters incidental to—
	(i)	the conduct of CTP insurance business; and
	(ii)	the compulsory third-party insurance scheme under this Act.
Note	CTP insurance business, for a licensed insurer, means any business associated with CTP policies (see s 11).
10	What may be included in the insurance industry deed?
	(1)	The insurance industry deed may include provisions for each of the following:
	(a)	the requirements for licensed insurers to make disclosures and reports to the CTP regulator in accordance with stated standards and requirements;
	(b)	the apportionment of liability, and sharing of costs, between licensed insurers;
	(c)	the appointment of a person to arbitrate disputes between 2 or more licensed insurers about a motor accident claim;
	(d)	the sharing of information between CTP insurers for the mutual benefit of insurers;
	(e)	the management of motor accident claims under CTP policies;
	(f)	direction and guidance for licensed insurers about initiating, managing, monitoring and measuring the effectiveness of the provision of rehabilitation services for injured claimants;
	(g)	regulation, in any other way, of the conduct of CTP insurance business under the compulsory third-party insurance scheme under this Act.
Note	CTP insurance business, for a licensed insurer, means any business associated with CTP policies (see s 11).
	(2)	A regulation may prescribe—
	(a)	what may or must be included in the insurance industry deed; and
	(b)	anything else about the content of the deed.
11	What is CTP insurance business?
In this Act:
CTP insurance business, for a licensed insurer, means any business of the insurer associated with CTP policies.
12	Who is an owner of a registered motor vehicle?
In this Act:
owner, of a registered motor vehicle, means each of the following people:
	(a)	a person who is a registered operator of the vehicle, unless the person has—
	(i)	sold the vehicle or the person’s interest in the vehicle; or
	(ii)	ceased to have possession of the vehicle;
Note	A registered operator is a person recorded in the registrable vehicles register as a registered operator of the vehicle (see Road Transport (Vehicle Registration) Act 1999, dict).
	(b)	a person who is a sole or joint owner of the vehicle, unless the person has—
	(i)	sold the vehicle or the person’s interest in the vehicle; or
	(ii)	ceased to have possession of the vehicle;
	(c)	if a registered operator or sole or joint owner of the vehicle has sold the vehicle, or the person’s interest in the vehicle, or ceased to have possession of the vehicle—anyone who solely or jointly, or in common with someone else, is entitled to immediate possession of the vehicle.
13	Who is an owner of an unregistered motor vehicle?
In this Act:
owner, of an unregistered motor vehicle, means anyone who solely or jointly, or in common with someone else, is entitled to immediate possession of the vehicle.
14	Possession not affected by certain changes
For this Act, whether a person has possession, is entitled to possession or has ceased to have possession of a motor vehicle is not affected by a change in possession that happens because of—
	(a)	any hiring (other than a hiring under a hire-purchase agreement) or lending of the vehicle for not longer than 3 months; or
	(b)	the passing of possession of the vehicle to a bailee—
	(i)	for sale or disposal; or
	(ii)	for alteration, repair, renovation, storing, or a similar purpose not involving the use of the vehicle for the bailee’s benefit.

Chapter 2	Compulsory third-party insurance (CTP insurance)
Part 2.1	CTP insurance—requirement
15	What is an insured motor vehicle?
In this Act:
insured motor vehicle means a motor vehicle insured under a CTP policy.
Note	The motor vehicles insured under a CTP policy are mentioned in s 19.
16	Who is a CTP insured person?
In this Act:
CTP insured person means a person who is insured under a CTP policy.
Note	The people insured under a CTP policy are mentioned in s 20.
17	Offence—using uninsured motor vehicle on road or road related area
	(1)	A person commits an offence if—
	(a)	the person uses a motor vehicle on a road or road related area; and
	(b)	the vehicle is not an insured motor vehicle.
Maximum penalty:  50 penalty units.
Note 1	Use, a vehicle, is defined in s 8 and includes provisions about trailers.  Road and road related area are defined in the dictionary.
Note 2	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).
	(2)	This section does not apply to a person who uses a motor vehicle on a road or road related area if the vehicle—
	(a)	may lawfully be used on the road or road related area although not registered; or
	(b)	is exempted from this section by regulation.
	(3)	It is a defence to a prosecution for an offence against this section if the defendant establishes that, at the time the motor vehicle was used on the road or road related area, the defendant believed on reasonable grounds that the vehicle was an insured motor vehicle.
Note	A trailer does not have to be separately insured (see s 19, s 60 to s 63).

Part 2.2	CTP policies
18	What is a CTP policy?
In this Act:
compulsory third-party policy (or CTP policy) means an insurance policy—
	(a)	the subject of which is something mentioned in section 19; and
	(b)	insures someone mentioned in section 20; and
	(c)	insures against the risk mentioned in section 21; and
	(d)	does not insure against a risk mentioned in section 22.
19	What is insured under a CTP policy?
A CTP policy has the following subjects:
	(a)	the motor vehicle that is being registered, or the registration of which is being renewed, when the CTP insurer for the CTP policy is selected under Part 2.3 (Selecting a CTP insurer);
	(b)	a trailer or anything else that—
	(i)	is attached to the vehicle; or
	(ii)	becomes detached from the vehicle and runs out of control;
	(c)	anything else prescribed by regulation.
20	Who is insured under a CTP policy?
A CTP policy insures—
	(a)	a person who uses an insured motor vehicle; and
	(b)	anyone else who is vicariously liable for the person’s use of the insured motor vehicle; and
	(c)	anyone else prescribed by regulation; and
	(d)	if a person mentioned in paragraph (a), (b) or (c) is dead—the person’s estate.
21	What risks are covered by a CTP policy?
A CTP policy insures against the risk of liability for personal injury caused by a motor accident.
22	What risks are not covered by a CTP policy?
	(1)	A CTP policy does not insure against the risk of 1 or more of the following:
	(a)	liability to pay compensation under the Workers Compensation Act 1951 (or a corresponding law of a State or another Territory);
	(b)	liability that may be incurred under an agreement unless the liability would have arisen without the agreement;
	(c)	liability that is attributable to an act that, having regard to the nature of the act and the context in which the act was done, it is reasonable to characterise as an act of terrorism;
Note	See s (3) in relation to when it is reasonable to characterise an act as an act of terrorism.
	(d)	liability for personal injury, damage or loss—
	(i)	that arises independently of a wrongful act or omission; or
	(ii)	to the extent that the personal injury, loss or damage is attributable to the injured person’s own wrongful act or omission;
	(e)	liability to pay exemplary, punitive or aggravated damages;
	(f)	liability to pay damages for a personal injury that arises gradually from a series of incidents;
	(g)	any other liability prescribed by regulation.
	(2)	To remove any doubt, a CTP policy does not insure the owner or driver of a motor vehicle if—
	(a)	the motor vehicle is in an area that is subject to a declaration under the Road Transport (General) Act 1999, section 12 (Power to include or exclude areas in road transport legislation) that has the effect of disapplying this Act; or
	(b)	the motor vehicle is subject to a declaration under the Road Transport (General) Act 1999, section 13 (Power to exclude vehicles, people or animals from road transport legislation) that has the effect of disapplying this Act; or 
	(c)	the owner or driver is subject to a declaration under the Road Transport (General) Act 1999, section 13 that has the effect of disapplying this Act.
	(3)	For subsection (1) (c)—
	(a)	an act cannot be characterised as an act of terrorism unless the act—
	(i)	causes or threatens to cause death, personal injury or damage to property; and
	(ii)	is designed to influence a government or intimidate the public or a section of the public; and
	(iii)	is carried out for the purpose of advancing a political, religious, ideological, ethnic or similar cause; and
	(b)	a lawful activity or industrial action cannot be characterised as an act of terrorism.
23	Who is the CTP insurer?
In this Act:
CTP insurer means—
	(a)	for an insured motor vehicle—the licensed insurer selected under Part 2.3 (Selecting a CTP insurer) as the CTP insurer for the motor vehicle; or
	(b)	for a CTP insured person—the CTP insurer for the CTP policy under which the person is insured; or
	(c)	for a CTP policy—the CTP insurer that issued the policy.
24	Licensed insurer not to decline etc to issue CTP policy
A licensed insurer cannot repudiate, or decline to issue or renew, a CTP policy.
25	CTP insurer to indemnify insured people
	(1)	A CTP policy under this Act is binding on the CTP insurer for the CTP policy.
	(2)	The CTP insurer for a CTP policy is, despite any other law, liable to indemnify each CTP insured person for the CTP policy for the liability that the policy purports to cover.
	(3)	To remove any doubt, the reference to any other law in subsection (1) does not include a reference to—
	(a)	section 22 (What risks are not covered by a CTP policy?); or
	(b)	a declaration made under the Road Transport (General) Act 1999—
	(i)	section 12 (Power to include or exclude areas in road transport legislation); or
	(ii)	section 13 (Power to exclude vehicles, people or animals from road transport legislation).
26	CTP policy not affected by change of vehicle ownership
	(1)	A CTP policy for a motor vehicle is not affected by—
	(a)	a change in ownership of the vehicle; or
	(b)	the transfer of the registration of the vehicle.
	(2)	If the road transport authority becomes aware of a change in the ownership or registration details of an insured motor vehicle, the road transport authority must tell the CTP insurer for the motor vehicle about the change.
27	CTP policy not affected by errors
The validity of a CTP policy is not affected by an error of the road transport authority, or an error of a licensed insurer, in relation to the policy.

Part 2.3	Selecting a CTP insurer
28	Selecting at first registration
If a person applies to the road transport authority for registration of a motor vehicle, the person must also—
	(a)	select, in a way approved by the road transport authority, a licensed insurer to be the CTP insurer under a CTP policy for the motor vehicle for the period of registration; and
	(b)	pay to the road transport authority the CTP premium for the CTP policy for the period of registration.
Note	CTP premiums must be decided in accordance with pt 2.6.
29	Selecting at renewal of registration
If a registered operator of a registered motor vehicle applies for renewal of registration for the motor vehicle, the registered operator must also—
	(a)	select, in a way approved by the road transport authority, a licensed insurer to be the CTP insurer under a CTP policy for the motor vehicle for the period of renewed registration; and
	(b)	pay to the road transport authority the CTP premium for the CTP policy for the period of renewed registration.
Note	CTP premiums must be decided in accordance with pt 2.6.
30	What is a registered motor vehicle?
In this Act:
registered motor vehicle means a motor vehicle registered under—
	(a)	the Road Transport (Vehicle Registration) Act 1999; or
	(b)	the Interstate Road Transport Act 1985 (Cwlth).

Part 2.4	Length of CTP policy
31	CTP policy takes effect on registration or renewal
If the road transport authority registers, or renews the registration of, a motor vehicle, a CTP policy comes into force for the motor vehicle when the registration, or renewal of registration, takes effect.
32	CTP policy in effect while insurer on risk
A CTP policy for a motor vehicle is in force for the period for which the CTP insurer is on risk under—
	(a)	section 33 (Insurer on risk—period of registration); or
	(b)	section 34 (Insurer on risk—period of grace).
33	Insurer on risk—period of registration
	(1)	The CTP insurer of a motor vehicle is on risk for the period of registration of the motor vehicle.
	(2)	However, if registration is renewed before the previous period of registration ends—
	(a)	the old insurer is on risk until the previous period of registration expires; and
	(b)	the new insurer comes on risk immediately after the previous period of registration expires.
	(3)	A CTP insurer ceases to be on risk if the CTP policy is cancelled.
	(4)	In this section:
new insurer means the CTP insurer whose insurance is later in time.
Note	The old insurer and the new insurer may be the same insurer or different insurers.
old insurer, in relation to a motor vehicle the registration of which is renewed during the period of grace or later, means the last CTP insurer of the vehicle before renewal.
period of registration means—
	(a)	the period, not longer than 1 year, for which the registration, or renewed registration, of a motor vehicle is to be in force; or
	(b)	if the registration, or renewed registration is cancelled or surrendered before the end of that period—the period for which the registration, or renewed registration, is actually in force.
renewal of registration of a motor vehicle includes registration of the vehicle after the previous registration has expired.
34	Insurer on risk—period of grace
	(1)	If registration of a motor vehicle is renewed during the period of grace—
	(a)	the old insurer is on risk until midnight on the day registration is renewed; and
	(b)	the new insurer comes on risk immediately after midnight and is on risk for the period of renewed registration.
Note	Period of grace is defined in s (4).
	(2)	If registration is renewed after the period of grace expires—
	(a)	the new insurer comes on risk at the time the renewal of registration is effected; and
	(b)	the motor vehicle is not an insured motor vehicle from the expiry of the previous period of registration until the renewal of registration takes effect.
	(3)	A CTP insurer ceases to be on risk if the CTP policy is cancelled.
	(4)	In this section:
new insurer means the CTP insurer whose insurance is later in time.
Note	The old insurer and the new insurer may be the same insurer or different insurers.
old insurer, in relation to a motor vehicle the registration of which is renewed during the period of grace or later, means the last CTP insurer of the vehicle before renewal.
period of grace means the 14 days after the registration, or renewal of registration, of a motor vehicle expires.
Note	There is no period of grace following the cancellation or surrender of registration or a renewal of registration of a motor vehicle.
period of registration—see section 33 (4).
renewal of registration of a motor vehicle includes registration of the vehicle after the previous registration has expired.

Part 2.5	Cancellation of CTP policies
35	CTP insurer cannot cancel CTP policy
A CTP insurer has no power to cancel a CTP policy.
36	CTP policy cancelled if registration cancelled
A CTP policy is cancelled if the registration of the motor vehicle to which the policy relates is cancelled.

Part 2.6	CTP premiums
Division 2.6.1	Approval of CTP premiums
37	What is a CTP premium?
In this Act:
CTP premium, for a CTP policy, means the insurance premium approved under this part for the CTP policy.
38	Licensed insurer to charge approved premium
A licensed insurer may charge a premium for a CTP policy only if the premium is approved under this part.
Note	It is a condition of a CTP insurer licence that the licensed insurer must comply with this section (see s 185).
39	CTP regulator may make CTP premium guidelines
	(1)	The CTP regulator may make guidelines for premiums for CTP policies (the CTP premium guidelines).
	(2)	The CTP premium guidelines may—
	(a)	state how CTP premiums are to be worked out and the factors to be taken into account in working out CTP premiums; and
	(b)	require licensed insurers to state how they have worked out CTP premiums; and
	(c)	state the additional information the CTP regulator may require licensed insurers to give to the CTP regulator—
	(i)	with an application for approval of a premium; or
	(ii)	to justify CTP premiums they have already given to the CTP regulator for approval.
Example—additional information
for estimated investment earnings—the verification of assumptions, estimated profit, capital allocation to CTP insurance business
Note	An example is part of the Act, is not exhaustive and may extend, but does not limit, the meaning of the provision in which it appears (see Legislation Act, s 126 and s 132).
	(3)	The CTP premium guidelines are a notifiable instrument.
Note 1	A notifiable instrument must be notified under the Legislation Act.
Note 2	It is a condition of a CTP insurer licence that the licensed insurer must comply with CTP premium guidelines (see s 185).
40	Licensed insurer to apply for approval of premiums
	(1)	A licensed insurer must apply to the CTP regulator for approval of premiums the licensed insurer proposes to charge for CTP policies the licensed insurer intends to issue—
	(a)	after the defined period after the licensed insurer’s premiums were last approved by the CTP regulator; or
	(b)	if the CTP regulator, by written notice (an approval notice), requires the licensed insurer to apply for the approval.
	(2)	If a licensed insurer receives an approval notice, the licensed insurer must make the application not later than 4 weeks after the day the licensed insurer receives the approval notice.
Note 1	The CTP premium guidelines may state the additional information the CTP regulator may require licensed insurers to give to the CTP regulator with the application (see s 39).
Note 2	It is a condition of a CTP insurer licence that the licensed insurer must comply with this section (see s 185).
Note 3	If a form is approved under s 276 for this section, the form must be used.
Note 4	A fee may be determined under the Road Transport (General) Act 1999, s 96, for this section.
	(3)	In this section:
defined period means—
	(a)	1 year; or
	(b)	if the CTP regulator allows a longer period of time—the longer period allowed by the CTP regulator.
41	CTP regulator to approve or reject premiums
	(1)	If a licensed insurer applies to the CTP regulator for approval of a premium for a CTP policy, the CTP regulator must—
	(a)	approve the premium; or
	(b)	reject the premium.
Note	Criteria for rejecting the premium are in s 42.  The licensed insurer may ask the CTP regulator to reconsider a rejected premium (see s 44).
	(2)	The CTP regulator must, not later than 6 weeks after the day the CTP regulator receives the application from the licensed insurer—
	(a)	decide whether to approve or reject the premium; and
	(b)	tell the licensed insurer—
	(i)	about the decision; and
	(ii)	the reasons for the decision.
42	Criteria to reject premium
The CTP regulator may reject a premium for a CTP policy only if the CTP regulator considers that—
	(a)	the premium will not fully fund the present and likely future liability under this Act of the licensed insurer; or
Note	Criteria for deciding whether a premium will fully fund the present and likely future liability under this Act of a licensed insurer are in s 43.
	(b)	having regard to actuarial advice and to other relevant financial information available to the CTP regulator, the premium is excessive; or
	(c)	the premium does not comply with the CTP premium guidelines.
Note	The CTP premium guidelines are made under s 39.
43	Criteria to decide if premium will fund liabilities
A CTP premium will fully fund the present and likely future liability under this Act of a licensed insurer if the CTP premium is sufficient—
	(a)	to pay all acquisition and policy administration expenses of the licensed insurer; and
	(b)	to provide an amount of money that together with anticipated investment income is equal to the best estimate of the cost of motor accident claims plus motor accident claim settlement expenses (in inflated dollars) at the assumed date of settlement; and
	(c)	to provide a profit margin in excess of all motor accident claims, costs and expenses that represents an adequate return on capital invested and compensation for the risk taken; and
	(d)	to provide for other matters that a prudent insurer should, in all the circumstances, make provision for.
44	CTP regulator may reconsider rejected premiums
	(1)	If the CTP regulator rejects a premium for a CTP policy (the original decision), the licensed insurer may ask the CTP regulator to reconsider the rejected premium.
	(2)	Until the rejected premium is reconsidered, the CTP regulator may ask an actuary to decide a provisional premium for the CTP policy.
	(3)	A provisional premium has effect, until the CTP regulator makes a decision under subsection (4) in relation to the original decision, as if the provisional premium were a CTP premium.
	(4)	The CTP regulator must, not later than 4 weeks after the day the CTP regulator receives the request for reconsideration of the original decision from the licensed insurer—
	(a)	reconsider the original decision; and
	(b)	decide whether to approve or reject the premium; and
Note	Criteria for rejecting the premium are in s 42.
	(c)	tell the licensed insurer—
	(i)	about the decision; and
	(ii)	the reasons for the decision.
45	Arbitration of unresolved premiums
	(1)	If, under section 44, the CTP regulator again rejects a premium for a CTP policy, the matter must be arbitrated under this section.
	(2)	The Commercial Arbitration Act 1986 applies to the arbitration, subject to this Act.
	(3)	The arbitrator for the matter is—
	(a)	if the CTP regulator and the licensed insurer agree on an arbitrator—the agreed arbitrator; or
	(b)	if the CTP regulator and the licensed insurer do not agree on an arbitrator—the CTP premium board.
	(4)	However, if the matter has been arbitrated by an agreed arbitrator for 7 days and the parties cannot reach agreement, the CTP premium board must arbitrate the matter.
	(5)	The arbitrator may approve a premium for a CTP policy only if the premium is, in the arbitrator’s opinion, sufficient to fully fund the present and likely future liability of the licensed insurer under this Act.
Note 1	Criteria for deciding whether a CTP premium will fully fund the present and likely future liability under this Act of a licensed insurer are in s 43.
Note 2	A decision under this section by an arbitrator is a reviewable decision (see the Road Transport (General) Act 1999, pt 7 and the Road Transport (General) Regulation 2000).
	(6)	The regulations may make provision for the arbitration of matters.
46	CTP regulator to report on licensed insurer’s profit margins
	(1)	A licensed insurer must tell the CTP regulator the profit margin on which each CTP premium charged by the licensed insurer is based and the actuarial basis for working out that profit margin.
	(2)	The CTP regulator must assess—
	(a)	the profit margin; and
	(b)	the actuarial basis on which the profit margin is worked out.
	(3)	The CTP regulator must present a report about the assessments annually to the Legislative Assembly.
Division 2.6.2	CTP premium board
47	CTP premium board
The CTP premium board (the CTP premium board) is established.
48	Functions of board
The CTP premium board has the following functions:
	(a)	to arbitrate matters about premiums for CTP policies;
	(b)	any other function prescribed by regulation.
49	Board members
	(1)	The CTP premium board has the following members:
	(a)	a chair;
	(b)	a government representative;
	(c)	3 motorist representatives;
	(d)	2 CTP insurer representatives.
	(2)	A person must not hold 2 or more positions mentioned in subsection (1).
50	Appointment of board members
	(1)	The Minister may appoint the members of the CTP premium board.
Note 1	For the making of appointments (including acting appointments), see the Legislation Act, pt 19.3.  
Note 2	In particular, a person may be appointed for a particular provision of a law (see Legislation Act, s 7 (3)) and an appointment may be made by naming a person or nominating the occupant of a position (see Legislation Act, s 207).
Note 3	Certain Ministerial appointments require consultation with an Assembly committee and are disallowable (see Legislation Act, div 19.3.3).
	(2)	The only criteria for deciding whether to appoint a person as a member are—
	(a)	that the person has the experience or expertise necessary to exercise the functions of a member; and
	(b)	for the chair—that the person is also a senior lawyer; and
	(c)	for the government representative, that the person also—
	(i)	is a public servant; and
	(ii)	represents the interests of the Territory; and
	(d)	for a motorist representative—that the person also represents the interests of motorists; and
	(e)	for a CTP insurer representative—that the person also represents the interests of CTP insurers.
	(3)	The appointment of a member must be for a term of not longer than 3 years.
	(4)	The conditions of appointment of a member are the conditions stated in the appointment.
	(5)	In this section:
Australian legal practitioner—see the Legal Profession Act 2006, section 8.
senior lawyer means a lawyer who—
	(a)	is an Australian legal practitioner; and
	(b)	has been an Australian legal practitioner for at least 10 years; and
	(c)	has practised law in the area of personal injury matters for at least 5 years.
51	Appointment of deputy chair
The CTP premium board may appoint a member, other than the chair, as deputy chair for the CTP premium board.
52	Ending board member appointments
The Minister may end a CTP premium board member’s appointment—
	(a)	if the member contravenes a territory law; or
	(b)	for misbehaviour; or
	(c)	if the member becomes bankrupt or executes a personal insolvency agreement; or
	(d)	if the member is convicted, or found guilty, in Australia of an offence punishable by imprisonment for at least 1 year; or
	(e)	if the member is convicted, or found guilty, outside Australia of an offence that, if it had been committed in the ACT, would be punishable by imprisonment for at least 1 year; or
	(f)	if the member exercises the member’s functions other than in accordance with section 53; or
	(g)	if the member fails to take all reasonable steps to avoid being placed in a position where a conflict of interest arises during the exercise of the member’s functions; or
	(h)	if the member contravenes section 56 (Disclosure of interests by board members); or
	(i)	if the member is absent from 3 consecutive meetings of the board, otherwise than on approved leave; or
	(j)	for physical or mental incapacity, if the incapacity substantially affects the exercise of the member’s functions.
Note	A person’s appointment also ends if the person resigns (see Legislation Act, s 210).
53	Honesty, care and diligence of board members
In exercising the functions of a CTP premium board member, a member must exercise the degree of honesty, care and diligence required to be exercised by a director of a corporation in relation to the affairs of the corporation.
54	Conflicts of interest by board members
A CTP premium board member must take all reasonable steps to avoid being placed in a position where a conflict of interest arises during the exercise of the member’s functions.
55	Board agenda to require disclosure of interest item
The agenda for each meeting of the CTP premium board must include an item requiring any material interest in an issue to be considered at the meeting to be disclosed to the meeting.
56	Disclosure of interests by board members
	(1)	If a CTP premium board member has a material interest in an issue being considered, or about to be considered, by the CTP premium board, the member must disclose the nature of the interest at a board meeting as soon as practicable after the relevant facts come to the member’s knowledge.
Note	Material interest is defined in s (4).  The definition of indirect interest in s (4) applies to the definition of material interest.
	(2)	The disclosure must be recorded in the CTP premium board’s minutes and, unless the board otherwise decides, the member must not—
	(a)	be present when the board considers the issue; or
	(b)	take part in a decision of the board on the issue.
Example
Albert, Boris and Chloe are members of a CTP premium board.  They have an interest in an issue being considered at a CTP premium board meeting and they disclose the interest as soon as they become aware of it.  Albert’s and Boris’s interests are minor but Chloe has a direct financial interest in the issue.
The CTP premium board considers the disclosures and decides that because of the nature of the interests:
·	Albert may be present when the board considers the issue but not take part in the decision
·	Boris may be present for the consideration and take part in the decision.
The board does not make a decision allowing Chloe to be present or take part in the board’s decision.  Accordingly, since Chloe has a material interest she cannot be present for the consideration of the issue or take part in the decision.
Note	An example is part of the Act, is not exhaustive and may extend, but does not limit, the meaning of the provision in which it appears (see Legislation Act, s 126 and s 132).
	(3)	Any other CTP premium board member who also has a material interest in the issue must not be present when the board is considering its decision under subsection (2).
	(4)	In this section:
associate, of a person, means—
	(a)	the person’s business partner; or
	(b)	a close friend of the person; or
	(c)	a family member of the person.
executive officer, of a corporation, means a person (however described) who is concerned with, or takes part in, the corporation’s management, whether or not the person is a director of the corporation.
indirect interest—without limiting the kinds of indirect interests a person may have, a person has an indirect interest in an issue if any of the following has an interest in the issue:
	(a)	an associate of the person;
	(b)	a corporation if the corporation has not more than 100 members and the person, or an associate of the person, is a member of the corporation;
	(c)	a subsidiary of a corporation mentioned in paragraph (b);
	(d)	a corporation if the person, or an associate of the person, is an executive officer of the corporation;
	(e)	the trustee of a trust if the person, or an associate of the person, is a beneficiary of the trust;
	(f)	a member of a firm or partnership if the person, or an associate of the person, is a member of the firm or partnership;
	(g)	someone else carrying on a business if the person, or an associate of the person, has a direct or indirect right to participate in the profits of the business.
material interest—a CTP premium board member has a material interest in an issue if the member has—
	(a)	a direct or indirect financial interest in the issue; or
	(b)	a direct or indirect interest of any other kind if the interest could conflict with the proper exercise of the member’s functions in relation to the board’s consideration of the issue.
57	Reporting of disclosed CTP premium board interests to Minister
	(1)	Within 3 months after the day a material interest is disclosed under section 56 (1), the chair of the CTP premium board must report to the Minister in writing about—
	(a)	the disclosure; and
	(b)	the nature of the interest disclosed; and
	(c)	any decision by the board under section 56 (2).
	(2)	The chair must also give the Minister, not later than 31 days after the end of each financial year, a statement that sets out the information given to the Minister in reports under subsection (1) that relate to disclosures made during the previous financial year.
	(3)	The Minister must give a copy of the statement to the relevant committee of the Legislative Assembly within 31 days after the day the Minister receives the statement.
	(4)	In this section:
relevant committee means—
	(a)	a standing committee of the Legislative Assembly nominated by the Speaker for subsection (3); or
	(b)	if no nomination under paragraph (a) is in effect—the standing committee of the Legislative Assembly responsible for public accounts.
58	Protection of CTP premium board members from liability
	(1)	A CTP premium board member is not civilly liable for anything done or omitted to be done honestly and without recklessness—
	(a)	in the exercise of a function under a territory law; or
	(b)	in the reasonable belief that the act or omission was in the exercise of a function under a territory law.
	(2)	Any liability that would, apart from this section, attach to a CTP premium board member attaches instead to the Territory.

Part 2.7	Nominal defendant liable for uninsured or unidentified motor vehicles
    
59	Nominal defendant
	(1)	For this Act, ACTIA is the nominal defendant.
	(2)	Any action or proceeding by or against the nominal defendant must be taken in the name of the ‘nominal defendant’.
	(3)	In this section:
ACTIA means the Australian Capital Territory Insurance Authority established under the Insurance Authority Act 2005.
60	What is an uninsured motor vehicle?
	(1)	For this Act:
uninsured motor vehicle—
	(a)	means a motor vehicle for which there is no CTP policy in force; and
	(b)	includes a trailer that—
	(i)	is attached to an uninsured motor vehicle; or
	(ii)	runs out of control after becoming accidentally detached from an uninsured motor vehicle; and
	(c)	includes anything else prescribed by regulation.
	(2)	To avoid any doubt, it does not matter whether a trailer mentioned in subsection (1) (b) is registered.
61	Nominal defendant liable—uninsured motor vehicle
	(1)	This section applies if—
	(a)	a personal injury is caused by a motor accident; and
	(b)	at the time of the motor accident, the motor vehicle involved in the motor accident—
	(i)	had a sufficient connection with the ACT; and
	(ii)	was an uninsured motor vehicle; and
	(c)	the motor accident happened anywhere in Australia.
Note 1	Motor accident is defined in s 7.
Personal injury is defined in s 6.
Note 2	The circumstances in which a motor vehicle has a sufficient connection with the ACT may be prescribed by regulation (see s (5)).
	(2)	The nominal defendant is liable in relation to the personal injury as if—
	(a)	a CTP policy were in force for the motor vehicle; and
	(b)	the nominal defendant were the CTP insurer for the CTP policy.
Note	CTP policy is defined in s 18.
	(3)	However, the nominal defendant is not liable in relation to the personal injury—
	(a)	if—
	(i)	the motor accident happened on an area that is not a road and is open to or used by the public for driving, riding or parking vehicles; and
	(ii)	at the time the motor accident happened, the person injured was a trespasser on the land; or
Note	The area described in subpar (i) is a road related area (see dict, def road related area par (a) (iv)).
	(b)	the uninsured motor vehicle is owned by—
	(i)	the Commonwealth, or an entity representing the Commonwealth; or
	(ii)	the Territory, or an entity representing the Territory; or
	(c)	at the time the motor accident happened—
	(i)	the uninsured motor vehicle was registered under either the law of a place other than the ACT or under a law of the Commonwealth; and
	(ii)	the uninsured motor vehicle was—
	(A)	covered under a policy of compulsory third-party insurance; or
	(B)	subject to coverage under a compulsory motor vehicle or trailer accident compensation scheme of that place or of the Commonwealth; or
	(d)	a regulation prescribes that, in the circumstances, the nominal defendant is not liable in relation to the personal injury.
Note	The nominal defendant is also not liable for the risks mentioned in s 22.
	(4)	In this section:
motor vehicle means a motor vehicle that—
	(a)	is exempt from registration; or
	(b)	if not exempt from registration—must be registered to allow its lawful use or operation on a road or road related area in the ACT and—
	(i)	was at the time of manufacture capable of registration; or
	(ii)	was at the time of manufacture, with minor adjustments, capable of registration; or
	(iii)	was previously capable of registration but is no longer capable of registration because the motor vehicle is in disrepair.
	(5)	A regulation may prescribe the circumstances in which a motor vehicle has a sufficient connection with the ACT.
62	What is an unidentified motor vehicle?
	(1)	In this Act:
unidentified motor vehicle—
	(a)	means a motor vehicle that cannot be identified after reasonable inquiry and search; and
	(b)	includes a trailer that—
	(i)	is attached to an unidentified motor vehicle; or
	(ii)	runs out of control after becoming accidentally detached from an unidentified motor vehicle; and
	(c)	includes anything else prescribed by regulation.
	(2)	To avoid any doubt, it does not matter whether a trailer mentioned in subsection (1) (b) is registered.
	(3)	The inquiry or search may be proved orally or by affidavit of the person who made the inquiry or search.
Note 1	The claimant must prove that reasonable inquiry or search has been carried out before the nominal defendant may be added as a later respondent (see s 91).
Note 2	The respondent must prove that reasonable inquiry or search has been carried out before the nominal defendant may be added as a contributor (see s 93).
63	Nominal defendant liable—unidentified motor vehicle
	(1)	This section applies if—
	(a)	a personal injury is caused by a motor accident; and
	(b)	the motor vehicle involved in the motor accident is an unidentified motor vehicle; and
	(c)	the motor accident happened in the ACT.
Note	Motor accident is defined in s 7.
Personal injury is defined in s 6.
	(2)	The nominal defendant is liable in relation to the personal injury as if—
	(a)	a CTP policy were in force for the motor vehicle; and
	(b)	the nominal defendant were the CTP insurer for the CTP policy.
Note	CTP policy is defined in s 18.
	(3)	However, the nominal defendant is not liable in relation to the personal injury if—
	(a)	the motor accident happened on an area that is not a road and is open to or used by the public for driving, riding or parking vehicles; and
	(b)	at the time the motor accident happened, the person injured was a trespasser on the land.
Note 1	The area described in par (a) is a road related area (see dict, def road related area par (a) (iv)).
Note 2	The nominal defendant is also not liable for the risks mentioned in s 22.
64	Nominal defendant may deal with motor accident claim
	(1)	If a motor accident claim is made against the nominal defendant, the nominal defendant may deal with the motor accident claim, and any proceeding relating to the motor accident claim, in the way the nominal defendant considers appropriate including—
	(a)	settling or compromising the motor accident claim; and
	(b)	bringing and prosecuting a proceeding under this Act for the motor accident claim and settling or compromising the proceeding.
Note	The sections under which the nominal defendant may bring a proceeding include:
·	s 172 (Insurer may recover costs if motor vehicle defective)
·	s 173 (Insurer may recover costs if fraud)
·	s 174 (Nominal defendant may recover costs from owner or driver)
·	s 242 (Nominal defendant may recover from insolvent insurer).
	(2)	The nominal defendant must give the CTP regulator the reports that the CTP regulator reasonably requires about anything done by the nominal defendant under this section.
65	Nominal defendant to pay motor accident claims from nominal defendant fund
	(1)	The nominal defendant is not personally liable to pay—
	(a)	an amount payable in satisfaction of a motor accident claim made, or judgment obtained, under—
	(i)	section 61 (Nominal defendant liable—uninsured motor vehicle); or
	(ii)	section 63 (Nominal defendant liable—unidentified motor vehicle); or
	(b)	the amount of any costs or expenses incurred by the nominal defendant for the motor accident claim or judgment.
	(2)	The nominal defendant must pay the amounts out of the nominal defendant fund.
Note	The nominal defendant fund is established under s 66.
66	Nominal defendant fund
	(1)	The CTP regulator must establish a fund (the nominal defendant fund).
	(2)	The following must be paid into the nominal defendant fund:
	(a)	any penalties or penalty interest imposed under this Act;
	(b)	amounts collected under section 67;
	(c)	the interest from time to time accruing from the investment of the nominal defendant fund;
	(d)	amounts recovered by the nominal defendant under this Act;
Note	The nominal defendant may recover amounts under:
·	s 172 (Insurer may recover costs if motor vehicle defective)
·	s 173 (Insurer may recover costs if fraud)
·	s 174 (Nominal defendant may recover costs from owner or driver)
·	s 242 (Nominal defendant may recover from insolvent insurer).
	(e)	amounts required to be paid into the nominal defendant fund under this or another Act.
	(3)	The following must be paid from the nominal defendant fund:
	(a)	amounts required to be paid from the fund under section 65 (Nominal defendant to pay motor accident claims from nominal defendant fund);
	(b)	all other amounts required to be paid from the fund under this or another Act.
	(4)	The CTP regulator may invest money in the nominal defendant fund which is not immediately required for the fund—
	(a)	in any way that the Treasurer is authorised to invest money under the Financial Management Act 1996; or
	(b)	in any other way approved by the Minister and the Treasurer.
67	Collections for nominal defendant fund
	(1)	The CTP regulator must, each financial year, collect an amount for the nominal defendant fund—
	(a)	from the people and funds prescribed by regulation; and
	(b)	in accordance with the arrangements prescribed by regulation.
	(2)	The CTP regulator may decide the amount to be collected for a financial year.
	(3)	The CTP regulator must not decide an amount for a financial year if the CTP regulator considers that satisfactory arrangements have been made for that year (under the insurance industry deed or otherwise) by licensed insurers to meet motor accident claims made against the nominal defendant.
Note	The insurance industry deed is dealt with in s 9.

Chapter 3	Early payment for treatment of motor accident injuries
Part 3.1	Important concepts
68	Who is a person’s insurer?
In this chapter:
insurer, of a person, for payment of expenses under this chapter means—
	(a)	if the person is a CTP insured person—the CTP insurer for the person; or
	(b)	if the person is not a CTP insured person—the nominal defendant.
69	What is a motor accident notification form?
In this Act:
motor accident notification form, for a motor accident, means a form about the motor accident completed by or for the injured person.
Note	If a form is approved under s 276 for a motor accident notification form, the form must be used.
70	What is a motor accident medical report?
In this Act:
motor accident medical report, for a motor accident, means a medical report prepared by a doctor about the personal injuries caused to the injured person by the motor accident.
Note	If a form is approved under s 276 for a motor accident medical report, the form must be used.
71	What are medical expenses?
In this Act:
medical expenses includes hospital and pharmaceutical expenses.

Part 3.2	Early payment
72	Entitlement to early payment—injured person to give forms to insurer within 28 days 
	(1)	A person is entitled to payment for medical expenses under this chapter in relation to a motor accident if—
	(a)	the person is an injured person for the accident; and
	(b)	the following documents are given to the injured person’s insurer not later than 28 days after the motor accident:
	(i)	a motor accident notification form for the accident that includes a declaration by or for the person that the motor accident was not caused wholly or mainly by the fault of the person;
	(ii)	a motor accident medical report for the accident.
	(2)	However, an injured person is entitled to payment for medical expenses under this chapter in relation to a motor accident only if—
	(a)	a police officer attended the motor accident; or
	(b)	the motor accident was reported to a police officer by or for the injured person.
73	What kinds of expenses must be paid by insurer?
	(1)	If a person is entitled to payment for medical expenses under this chapter in relation to a motor accident, the person’s insurer is required to pay only for medical expenses that are—
	(a)	incurred within 6 months after the day the motor accident happened; and
	(b)	reasonably incurred because of the personal injury caused by the motor accident.
	(2)	The insurer must make a payment for expenses under this section on presentation of an account, or receipt, for the expenses made up, and verified, as prescribed by regulation.
Note 1	Payments under this section may be recoverable under pt 4.11.
Note 2	It is a condition of a CTP insurer licence that the licensed insurer must comply with this section (see s 185).
74	Maximum amount insurer is required to pay
	(1)	If a person is entitled to payment for medical expenses under this chapter in relation to a motor accident, the person’s insurer must make payments for the person’s medical expenses under section 73 up to—
	(a)	$5 000; or
	(b)	if a higher amount is determined by the CTP regulator—the determined amount.
	(2)	The CTP regulator may determine an amount for this section.
	(3)	A determination is a disallowable instrument.
Note	A disallowable instrument must be notified, and presented to the Legislative Assembly, under the Legislation Act.
	(4)	To remove any doubt, a person’s insurer may make payments for the person’s medical expenses under section 73 in addition to the amount payable under subsection (1).
75	Early payment—no effect on liability
	(1)	A payment made by an insurer to a person in relation to a motor accident under this chapter—
	(a)	is not an admission of liability in relation to the motor accident; and
	(b)	does not in any way prejudice or affect a claim or proceeding arising out of the motor accident.
	(2)	To remove any doubt, an insurer may make a payment under this chapter in relation to a motor accident—
	(a)	whether or not the insurer has accepted liability in relation to a motor accident claim arising from the accident; and
	(b)	whether or not a motor accident claim has been made against an insured person in relation to the motor accident.

Chapter 4	Motor accident claims
Part 4.1	Preliminary—ch 4
76	Definitions—ch 4
In this chapter:
complying notice of claim means a notice of claim, under section 84 (Notice of claim) or section 91 (Claimant may add later respondents), that is given as required under this part.
Note	In some circumstances a claimant is taken to have given a respondent a complying notice of claim (see s 95).
compulsory conference—see section 136.
contribution notice—see section 93.
contributor, for a motor accident claim—see section 93.
court, for a motor accident claim, means—
	(a)	if a proceeding based on a motor accident claim has been started—the court hearing the proceeding; or
	(b)	if no proceeding based on the motor accident claim has been started—a court with jurisdiction to hear the motor accident claim.
insurer, for a motor accident claim—see section 81.
mandatory final offer—see section 141.
medical treatment means—
	(a)	an examination, test or analysis, conducted by or under the direction, or at the request, of a doctor to diagnose an injury; or
	(b)	medical or surgical treatment by a doctor; or
	(c)	dental treatment by a dentist or a dental prosthetist; or
	(d)	chiropractic treatment by a chiropractor; or
	(e)	treatment by a psychologist; or
	(f)	therapeutic treatment by a masseur, osteopath, physiotherapist, remedial kinesiologist or speech therapist; or
	(g)	therapeutic treatment given on referral by a doctor or dentist; or
	(h)	the taking of x-rays; or
	(i)	the provision, repair or replacement of contact lenses, crutches, prostheses, spectacles or other artificial aids; or
	(j)	a consultation, examination, therapeutic treatment or other service reasonably rendered in relation to a treatment mentioned in paragraph (c), (d), (f), (g), (h) or (i); or
	(k)	treatment and maintenance as a patient at a hospital; or
	(l)	the provision of nursing attendance, medicines, medical and surgical supplies and curative apparatus in a hospital or otherwise.
notice of claim, for a motor accident claim—see section 84.
party, for a motor accident claim, means a claimant, respondent or contributor.
response, for a motor accident claim—see section 90.
respondents’ claim manager, for a motor accident claim—see section 92.
Note	Claimant, for a motor accident claim, is defined in s 78.
Motor accident is defined in s 7.
Motor accident claim is defined in s 77.
Respondent, for a motor accident claim, is defined in s 79.
77	What is a motor accident claim?
In this Act:
motor accident claim, for a motor accident—
	(a)	means a claim for damages for personal injury caused by the motor accident; and
Note	Motor accident is defined in s 7.
Personal injury is defined in s 6.
	(b)	includes, for a fatal injury, a claim by the dead person’s dependants or estate.
78	Who is the claimant for a motor accident claim?
In this Act:
claimant, for a motor accident claim, means—
	(a)	a person who makes, or is entitled to make, the motor accident claim; or
	(b)	in relation to rehabilitation, medical treatment or loss suffered—the injured person to whom the claim relates.
79	Who is the respondent for a motor accident claim?
In this chapter:
respondent, for a motor accident claim—
	(a)	means a person against whom a claimant makes a motor accident claim; and
	(b)	includes—
	(i)	if the person mentioned in paragraph (a) is not the insurer for the motor accident claim—the insurer for the motor accident claim; and
	(ii)	a later respondent.
Note 1	Insurer, for a motor accident claim, is defined in s 81.
Later respondent, for a motor accident claim, is defined in s 91.
Note 2	If a claimant brings a court proceeding based on a motor accident claim and the respondent is an insured person or an insurer, the claimant may need to bring the proceeding against the insured person and the insurer as joint defendants (see s 151).
80	Who is an insured person?
In this Act:
insured person, for a motor accident claim, means—
	(a)	a CTP insured person; or
	(b)	a person for whose acts and omissions the nominal defendant is liable under section 61 (Nominal defendant liable—uninsured motor vehicle).
Note	CTP insured person is defined in s 16.
81	Who is the insurer for a motor accident claim?
In this chapter:
insurer, of a person, for a motor accident claim means—
	(a)	if the person is a CTP insured person—the CTP insurer for the person; or
	(b)	if the person is not a CTP insured person—the nominal defendant.
insurer, of a motor vehicle, for a motor accident claim means, if the motor vehicle is—
	(a)	an insured motor vehicle—the CTP insurer for the motor vehicle; or
	(b)	an uninsured motor vehicle—the nominal defendant; or
	(c)	an unidentified motor vehicle—the nominal defendant.
82	Insured person not to admit liability, settle or make payments
	(1)	An insured person must not, without the written agreement of the person’s insurer—
	(a)	admit liability in relation to a motor accident claim; or
	(b)	settle, or offer to settle, a motor accident claim; or
	(c)	make a payment, or offer or promise to make a payment, in relation to a motor accident claim.
	(2)	A contract, offer or promise made in contravention of this section does not bind the insurer.
	(3)	This section does not prevent an insured person from providing a police officer with information reasonably required to prepare a report about a motor accident.
	(4)	An insured person who contravenes this section does not incur civil liability to an insurer.
83	Power of insurer to act for insured
	(1)	If a motor accident claim is made against an insured person, the person’s insurer—
	(a)	must carry out the negotiations and legal proceedings related to the motor accident claim; and
	(b)	may compromise or settle the motor accident claim and legal proceedings related to the motor accident claim; and
	(c)	may act for the insured person in any other way for the motor accident claim.
	(2)	The insured person must sign any documents necessary to give effect to this section and, if the insured person does not sign or is dead, absent or cannot be found, the insurer may sign for the insured person.
	(3)	Nothing said or done by an insurer in relation to a motor accident claim, or legal proceedings related to a motor accident claim, is an admission of liability in, or otherwise prejudices or affects, another claim or proceedings arising out of the same circumstances.

Part 4.2	Motor accident claims procedures
Notes to pt 4.2
Costs may be awarded against a party who does not comply with this part (see s 99 and s 100).
The court may order a party to comply with a duty imposed under this part (see s 115).
84	Notice of claim
	(1)	Before a claimant for a motor accident claim brings a court proceeding based on the claim against a respondent for the claim, the claimant must give the respondent written notice of the claim (the notice of claim).
Note 1	A proceeding must be brought before the end of the relevant limitation period under the Limitation Act 1985.
Note 2	If a form is approved under s 276 for a notice of claim, the form must be used.
	(2)	The notice of claim must—
	(a)	contain a statement of the information prescribed by regulation; and
	(b)	authorise each respondent for the motor accident claim to have access to the records and sources of information relevant to the claim that are prescribed by regulation; and
	(c)	be accompanied by any documents prescribed by regulation; and
	(d)	if the claimant has not given the respondent a motor accident notification form and a motor accident medical report for the motor accident for the motor accident claim—be accompanied by a motor accident notification form and a motor accident medical report for the motor accident for the motor accident claim.
Note	If the claimant has received early payment of treatment expenses under pt 3.2 the claimant will have already given the respondent the motor accident notification form and a motor accident medical report for the motor accident (see s 74).
	(3)	If the claimant is a child, the claimant’s parent or legal guardian may give the notice of claim for the claimant.
Note	For other procedures for a claim for a personal injury suffered by a child, see the Limitation Act 1985, s 30A (Special provision for injuries to children).
85	Time for giving notice of claim—CTP insurer
	(1)	This section applies if the insurer for a motor accident claim is the CTP insurer for the motor vehicle for the claim.
	(2)	The notice of claim must be given under section 84 not later than the earlier of the following days:
	(a)	the day that is 9 months after—
	(i)	the day the motor accident for the motor accident claim happened; or
	(ii)	if symptoms of the personal injury caused by the motor accident are not immediately apparent—the day symptoms of the personal injury first appear;
	(b)	the day that is 1 month after the later of the following days:
	(i)	the day the claimant first instructs a lawyer to provide advice about seeking damages for the personal injury;
	(ii)	the day the respondent is identified.
Note	However, the time for giving a notice of claim for a claimant with a legal disability begins on the day after the day the claimant’s legal disability ends (see s 98).
	(3)	If the claimant does not give the notice of claim as required in subsection (2), a reasonable excuse for the delay must be given in the notice or by separate written notice to the respondent.
	(4)	Without limiting subsection (3), an excuse is reasonable if the excuse is prescribed by regulation.
86	Time for giving notice of claim—nominal defendant
	(1)	This section applies if the insurer for the motor accident claim is the nominal defendant.
	(2)	The notice of claim must be given under section 84 not later than 3 months after the day the motor accident for the motor accident claim happened.
Note	However, the time for giving a notice of claim for a claimant with a legal disability begins on the day after the day the claimant’s legal disability ends (see s 98).
	(3)	If the claimant does not give the notice of claim as required in subsection (2), the motor accident claim is barred.
Note	In addition, the nominal defendant cannot waive compliance with the time limit and the court cannot give leave to bring a proceeding despite noncompliance with the time limit (see s 96).
87	Respondent to identify and notify others
	(1)	If a respondent knows of anyone else (a relevant person) against whom the claimant may be able to begin a proceeding based on the motor accident claim, the respondent must, not later than 7 days after the day the respondent receives the notice of claim—
	(a)	give a copy of the notice of claim to the relevant person; and
	(b)	tell the claimant in writing about the relevant person, including a short written explanation of why the respondent believes that the person may be a relevant person.
	(2)	If the respondent is a child, the respondent’s parent or legal guardian may comply with subsection (1) for the respondent.
88	Preliminary response to claimant
	(1)	A respondent must, in writing not later than 1 month after the day the respondent receives a notice of claim under section 84—
	(a)	respond to the claimant under section 90; or
	(b)	if the respondent cannot decide, on the information in the notice, whether the respondent is properly a respondent for the claim—give the claimant a written notice about the further information the respondent reasonably needs to make that decision; or
	(c)	if the respondent believes that he or she is not properly a respondent for the claim—give the claimant a written notice to that effect, indicating—
	(i)	the reasons for the belief; and
	(ii)	any information the respondent has that may help the claimant identify someone who may be a respondent for the claim. 
	(2)	A claimant given a written notice under subsection (1) (b) must, not later than 1 month after the day the claimant is given the notice—
	(a)	give the respondent the further information indicated in the notice; or
	(b)	tell the respondent, in writing, that the claimant—
	(i)	considers the respondent to be properly a respondent for the claim; and
	(ii)	requires the respondent to respond to the claimant under section 90.
	(3)	Not later than 1 month after the day the respondent is given the information under subsection (2) (a), the respondent must, having regard to the information—
	(a)	respond to the claimant under section 90; or
	(b)	if the respondent believes that he or she is not properly a respondent for the claim, give the claimant a written notice to that effect, indicating—
	(i)	the reasons for the belief; and
	(ii)	any information the respondent has that may help the claimant identify someone who may be a respondent for the claim.
	(4)	If the claimant is given notice under subsection (1) (c) or subsection (3) (b) that the respondent is not properly a respondent for the motor accident claim, the claimant must, not later than 1 month after the day the claimant is given the notice, tell the respondent, in writing, that the claimant—
	(a)	accepts that the respondent is not properly a respondent for the claim; or
	(b)	considers the respondent to be properly a respondent for the claim and requires the respondent to respond to the claimant under section 90.
	(5)	Acknowledgement given to the respondent under subsection (4) (a) does not prevent the claimant from later giving the respondent another notice of claim under section 84.
89	Acknowledgment that proper respondent not admission of liability
	(1)	This section applies if a respondent acknowledges that he or she is properly a respondent for a motor accident claim.
	(2)	The respondent is not taken to have admitted liability only because of making the acknowledgment.
90	Response to notice of claim
	(1)	This section applies if a respondent—
	(a)	considers the respondent to be properly a respondent for a motor accident claim; or
	(b)	is told under section 88 (2) (b) or section 88 (4) (b) (Preliminary response to claimant) that the claimant considers the respondent is properly a respondent for a motor accident claim.
	(2)	The respondent must, not later than the required day, give the claimant a written notice (a response)—
Note	Required day—see s (5).
	(a)	stating whether the respondent is satisfied that the notice of claim is a complying notice of claim; and
Note	Complying notice of claim is defined in s 76.
	(b)	if the respondent is not satisfied that the notice of claim is a complying notice of claim—identifying the noncompliance and stating whether the respondent waives compliance; and
	(c)	if the respondent does not waive compliance—allowing the claimant a reasonable period, of at least 1 month, stated in the response to—
	(i)	satisfy the respondent that the notice of claim is a complying notice of claim; or
	(ii)	take reasonable action stated in the response to remedy the noncompliance; and
	(d)	stating whether the insurer for the motor accident claim is prepared (without admitting liability) to meet the reasonable and appropriate costs of the claimant’s rehabilitation.
Note	Further provisions about rehabilitation are in pt 4.6.
	(3)	If the respondent does not give a response by the required day, the respondent is conclusively presumed to be satisfied that the notice of claim is a complying notice of claim.
	(4)	If subsection (2) (c) applies, the respondent must, not later than 1 month after the day the period stated in the response ends, give the claimant a written notice stating that the respondent—
	(a)	is satisfied the notice of claim is a complying notice of claim requirements, is satisfied with the action taken by the claimant to remedy the noncompliance, or waives the noncompliance; or
	(b)	is not satisfied that the claimant has taken reasonable action to remedy the noncompliance, and giving full particulars of the noncompliance and the claimant’s failure to remedy it.
	(5)	In this section:
required day means—
	(a)	if the respondent responds directly to the claimant under this section as mentioned in section 88 (1) (a)—the day applying under section 88 (1); and
	(b)	in any other case—the later of the following:
	(i)	if the respondent gives notice to the claimant under section 88 (3) (a)—1 month after the day the respondent is given the further information under section 88 (2) (a);
	(ii)	if the claimant tells the respondent under section 88 (2) (b) or section 88 (4) (b) that the claimant considers the respondent is properly a respondent for the motor accident claim—1 month after the day the claimant tells the respondent under that paragraph.
91	Claimant may add later respondents
	(1)	After a claimant has given a notice of claim to a respondent, the claimant may add someone else as a respondent for the motor accident claim (a later respondent) by giving the later respondent—
	(a)	the notice of claim; and
	(b)	copies of other documents given to, or received from, other respondents under this part.
	(2)	However, the claimant may only add a later respondent—
	(a)	not later than the day prescribed by regulation; or
	(b)	later than the day prescribed for paragraph (a) if—
	(i)	the later respondent and all parties for the motor accident claim agree; or
	(ii)	the court gives leave.
	(3)	Also, the claimant may add the nominal defendant as a later respondent in relation to a motor accident claim for a motor accident involving an unidentified motor vehicle only if the claimant has made reasonable inquiry and search for the identity of the motor vehicle.
	(4)	The inquiry or search may be proved orally or by affidavit by the person who made the inquiry or search.
	(5)	If the claimant adds a later respondent under this section—
	(a)	the later respondent must respond to the notice of claim as if the notice were given under section 84; and
	(b)	the claimant must, in writing, tell each other respondent of the addition not later than the day prescribed by regulation.
92	Multiple respondents
	(1)	If there are 2 or more respondents for a motor accident claim, 1 of the respondents (the respondents’ claim manager) must act for all of the respondents under this chapter.
	(2)	The respondents’ claim manager must be decided—
	(a)	by agreement between the respondents; or
	(b)	if the respondents cannot agree within 2 months after the day the claimant first gave, or is taken to have given, a respondent for the motor accident claim a complying notice of claim—under the industry deed.
Note	The circumstances in which a claimant is taken to have given a respondent a complying notice of claim are in s 95.
	(3)	Until the respondents’ claim manager is decided under subsection (2), the respondent to which the notice of claim is first given under section 84 is the respondents’ claim manager.
	(4)	The respondents’ claim manager—
	(a)	may exercise the functions given under this part in relation to the motor accident claim and the claimant for all the respondents; and
	(b)	must act, as far as practicable, with the agreement of all the respondents.
	(5)	Action taken, or an agreement made, by the respondents’ claim manager in relation to the motor accident claim is binding on each respondent as far as it affects the claimant.
	(6)	However, if the respondents’ claim manager acts beyond the scope of the manager’s authority, the manager is liable to each other respondent for any loss suffered by the other respondent.
93	Respondent may add contributor
	(1)	A respondent who receives a complying notice of claim may, not later than the day prescribed by regulation, add someone else as a contributor (the contributor) for the motor accident claim by giving the person a written notice (a contribution notice)—
	(a)	claiming an indemnity from, or contribution towards, the respondent’s liability; and
	(b)	stating the grounds on which the respondent holds the person liable; and
	(c)	stating any other information prescribed by regulation; and
	(d)	accompanied by copies of documents about the motor accident claim given to, or received from, other parties under this chapter.
	(2)	However, the respondent may add a contributor after the day prescribed under subsection (1) only if—
	(a)	the contributor and all parties for the motor accident claim agree; or
	(b)	the court gives leave.
	(3)	Also, if the respondent proposes to add the nominal defendant as a contributor because the motor accident for the motor accident claim involved an unidentified motor vehicle, the respondent may add the nominal defendant only if the respondent has made reasonable inquiry and search for the identity of the motor vehicle.
	(4)	The inquiry or search may be proved orally or by affidavit of the person who made the inquiry or search.
	(5)	If the respondent adds a contributor under this section, the respondent must give a copy of the contribution notice to each other party not later than the day prescribed by regulation.
94	Contributor’s response
	(1)	A contributor must, not later than 1 month after the day the contributor receives a contribution notice, give the respondent who gave the contribution notice a written response (the contributor’s response)—
	(a)	containing a statement of the information prescribed by regulation; and
	(b)	accompanied by the documents (if any) prescribed by regulation.
	(2)	The contributor’s response must also state—
	(a)	whether the claim for the contribution or indemnity claimed in the contribution notice is admitted, denied or admitted in part; and
	(b)	if the claim for the contribution or indemnity is admitted in part—the extent to which the claim is admitted.
	(3)	An admission of liability in the contributor’s response is not binding on the contributor—
	(a)	for another claim; or
	(b)	at all if it later appears the admission was induced by fraud.
	(4)	If the respondent requires information provided by a contributor under this section to be verified by statutory declaration, the contributor must verify the information by statutory declaration.
95	Noncomplying notice of claim may be complying notice of claim
	(1)	This section applies if the claimant for a motor accident claim gives a respondent for the claim a notice of claim that is not a complying notice of claim.
Note	Complying notice of claim is defined in s 76.
	(2)	The claimant is taken to have given the respondent a complying notice of claim if—
	(a)	the respondent has told the claimant, in writing—
	(i)	under section 90 (2) (a) or section 90 (4) (a) (Response to notice of claim), that the respondent is satisfied that the notice of claim is a complying notice of claim; or
	(ii)	under section 90 (2) (b) or section 90 (4) (a) that the respondent waives any noncompliance; or
	(iii)	under section 90 (4) (a), that the respondent is satisfied with the action the claimant has taken to remedy the noncompliance; or
	(b)	the respondent has not responded to the claimant as required and is conclusively presumed, under section 90 (3), to be satisfied the notice is a complying notice of claim; or
Note	The nominal defendant cannot waive compliance with the time limit (see s (3) (a)).
	(c)	the court, by order, on application by the claimant—
	(i)	declares that the claimant has remedied the noncompliance; or
	(ii)	authorises the claimant to proceed further with the motor accident claim despite the noncompliance.
Note	The court cannot authorise the claimant to proceed further with a motor accident claim against the nominal defendant if the claimant has not complied with the time limit (see s (3) (b)).
	(3)	However, if a motor accident claim against the nominal defendant is barred under section 86 (Time for giving notice of claim—nominal defendant)—
	(a)	the nominal defendant must not waive compliance with the 3‑month time limit for giving the notice of claim; and
	(b)	the court cannot authorise the claimant to proceed further with the motor accident claim despite the noncompliance with the 3‑month time limit for giving the notice of claim.
	(4)	An order of the court under subsection (2) (c) may be made on the conditions that the court considers necessary or appropriate to minimise prejudice to a respondent because of the claimant’s noncompliance.
	(5)	The claimant is taken to have given, and the respondent is taken to have received, the complying notice of claim, on the day—
	(a)	for subsection (2) (a)—the respondent tells the claimant, in writing; or
	(b)	for subsection (2) (b)—that is the required day under section 90 for the presumption; or
	(c)	for subsection (2) (c)—the court makes the declaration or gives the authorisation.
96	Claimant not to proceed without complying notice of claim
	(1)	This section applies if the claimant for a motor accident claim—
	(a)	does not give the respondent for the motor accident claim a complying notice of claim; or
	(b)	is not taken to have given the respondent for the motor accident claim a complying notice of claim.
Note	The circumstances in which a claimant is taken to have given a respondent a complying notice of claim are in s 95.
	(2)	The claimant cannot proceed with the motor accident claim.
97	Respondent to try to resolve motor accident claim
	(1)	A respondent must, not later than 6 months after the day the respondent receives, or is taken to have received, a complying notice of claim for a motor accident claim—
	(a)	take any reasonable steps necessary to find out about the motor accident for the motor accident claim; and
	(b)	tell the claimant, in writing—
	(i)	whether liability is admitted or denied; and
	(ii)	if contributory negligence is claimed—the degree of the contributory negligence expressed as a percentage; and
	(c)	if the claimant—
	(i)	made an offer of settlement in the notice of claim—tell the claimant whether the respondent accepts or rejects the offer; or
	(ii)	did not make an offer of settlement in the notice of claim—invite the claimant to make a written offer of settlement; and
	(d)	make a fair and reasonable estimate of the damages to which the claimant would be entitled in a proceeding for the motor accident claim against the respondent; and
	(e)	either—
	(i)	make a written offer, or counteroffer, of settlement to the claimant setting out in detail the basis on which the offer, or counteroffer, is made; or
	(ii)	settle the motor accident claim by accepting an offer made by the claimant.
	(2)	An offer, or counteroffer, of settlement must be accompanied by a copy of medical reports, assessments of cognitive, functional or vocational capacity and all other material, including documents relevant to assessing economic loss, in the offerer’s possession or control that may help the person to whom the offer is made make a proper assessment of the offer.
	(3)	A respondent or claimant to whom a written offer, or counteroffer, of settlement is made must, unless a response to the offer is to be made under subsection (1) (c), respond in writing to the offer not later than 3 months after the day the respondent or claimant receives the offer, indicating acceptance or rejection of the offer.
	(4)	An admission of liability by a respondent under this section is not binding on the respondent—
	(a)	in relation to another claim; and
	(b)	at all if it later appears the admission was induced by fraud.
Note 1	A respondent may be obliged to make early payments for an injured person’s medical expenses whether or not liability is admitted for the motor accident claim (see ch 3).
Note 2	If a respondent admits liability for a motor accident claim, the respondent may be obliged to pay for the injured person’s medical expenses and rehabilitation services (see pt 4.6).
98	Time limit exception—legal disabilities
	(1)	A claimant is not required to comply with an obligation under this chapter while the claimant is under a legal disability.
Note	If the claimant is a child, under s 84 (3) a parent or guardian of the child may give the notice of claim for the child.
	(2)	However, the period not later than which the obligation must be complied with begins when the claimant’s legal disability ends.
	(3)	This chapter applies to the claimant as if—
	(a)	a reference to the day the motor accident for the motor accident claim happened were a reference to the day the claimant’s legal disability ends; and
	(b)	all other changes were made to give effect to this section.
	(4)	This section does not prevent a claimant, or a person acting for a claimant, from complying with an obligation under this part while the claimant is under a legal disability.
	(5)	In this section:
legal disability—a claimant is under a legal disability in the circumstances in which a person is under a disability for the Limitation Act 1985.
Note	The Limitation Act 1985, dict, defines under a disability—a person is under a disability—
	(a)	while the person is under 18 years old; or
	(b)	while the person is, for a continuous period of 28 days or longer, incapable of, or substantially impeded in, the management of his or her affairs in relation to the cause of proceeding in relation to the limitation period for which the question of disability arises because of—
(i)	intellectual retardation or disability, mental illness or 	disorder, brain damage, senility or physical disability; or
(ii)	war or warlike operations; or
(iii)	circumstances arising out of war or warlike operations.
99	Costs awarded if noncompliance with pt 4.2—claimant
If a claimant does not comply with the requirements of this part, a court in which the claimant begins a proceeding based on the motor accident claim—
	(a)	may, on a respondent’s application in the proceeding, award in the respondent’s favour costs (including legal and investigation costs) reasonably incurred by the respondent because of the claimant’s noncompliance; and
	(b)	may only award interest in the claimant’s favour for a period for which the claimant was in noncompliance if the court is satisfied there is a reasonable excuse for the noncompliance.
100	Costs awarded if noncompliance with pt 4.2—respondent
If a respondent does not comply with the requirements of this part, a court in which the respondent defends a proceeding based on the motor accident claim may, on a claimant’s application in the proceeding, award in the claimant’s favour costs (including legal and investigation costs) reasonably incurred by the claimant because of the respondent’s noncompliance.

Part 4.3	Obligations to give documents and information
Note to pt 4.3
The court may order a party to comply with a duty imposed under this part (see s 115).
101	Purpose—pt 4.3
The purpose of this part is to put the parties for a motor accident claim in a position where they have enough information to assess liability and quantum for the motor accident claim.
102	What is a required document?
In this part:
required document—each of the following is a required document for a motor accident claim:
	(a)	a report, or other document, about the motor accident for the motor accident claim;
	(b)	a report about the claimant’s medical condition or prospects of rehabilitation;
	(c)	a report about the claimant’s cognitive, functional or vocational capacity.
103	What is relevant claim information?
In this part:
relevant claim information, for a motor accident claim, means information about the following things:
	(a)	the nature of the personal injury caused by the motor accident and any consequent disabilities;
	(b)	any medical treatment and rehabilitation services the claimant has sought or obtained for the personal injury;
	(c)	the claimant’s medical history, to the extent that it is relevant to the motor accident claim;
	(d)	any other claims for damages for personal injury made by the claimant;
	(e)	the claimant’s claim for past and future economic loss;
	(f)	any claim for gratuitous services consequent on the claimant’s personal injury.
104	Claimant to give documents and information to respondent
	(1)	A claimant for a motor accident claim must give a respondent for the motor accident claim—
	(a)	a copy of each required document that is in the claimant’s possession; and
	(b)	if the respondent asks the claimant for the following information—the following information:
	(i)	the circumstances of, or the reasons for, the motor accident for the motor accident claim;
	(ii)	relevant claim information.
	(2)	The claimant must give the copies mentioned in subsection (1) (a) to the respondent—
	(a)	not later than 1 month after the day the claimant gave, or is taken to have given, the respondent a complying notice of claim; or
	(b)	if a required document comes into the claimant’s possession later—not later than 7 days after the day the required document comes into the claimant’s possession.
	(3)	The claimant must respond to a request under subsection (1) (b) not later than 1 month after the day the claimant receives the request.
	(4)	If a respondent requires information given by a claimant under this section to be verified by statutory declaration, the claimant must verify the information by statutory declaration.
	(5)	If a claimant fails, without reasonable excuse, to comply fully with this section, the claimant is liable for costs to the respondent resulting from the failure.
Note	The claimant may not need to give a document or information under this section if the document or information is protected by client legal privilege (see s 109).
105	Respondent to give documents and information to claimant
	(1)	A respondent for a motor accident claim must give the claimant for the motor accident claim—
	(a)	a copy of each required document that is—
	(i)	in the respondent’s possession; and
	(ii)	directly relevant to a matter in issue in the motor accident claim; and
	(b)	if the claimant asks the respondent for any of the following information—the following information:
	(i)	if the information is in the respondent’s possession—the circumstances of, or the reasons for, the motor accident for the motor accident claim; or
	(ii)	if the respondent is the insurer for the motor accident claim—information that can be found out from the insured person about the circumstances of, or the reasons for, the motor accident for the motor accident claim.
	(2)	The respondent must give the copies mentioned in subsection (1) (a)—
	(a)	not later than 1 month after the day the respondent received, or is taken to have received, the claimant’s complying notice of claim; or
	(b)	if a required document comes into the respondent’s possession later—not later than 7 days after the day the required document comes into the respondent’s possession.
	(3)	The respondent must respond to a request under subsection (1) (b) not later than 1 month after the day the respondent receives the request.
	(4)	If a claimant requires information given by a respondent under this section to be verified by statutory declaration, the respondent must verify the information by statutory declaration.
	(5)	If a respondent fails, without proper reason, to comply fully with this section, the respondent is liable for costs to the claimant resulting from the failure.
Note 1	Section 108 applies if there would be more than 200 pages of copies.
Note 2	The respondent may not need to give a document or information under this section if the document or information is protected by client legal privilege (see s 109).
Note 3	The respondent may not need to give a document or information under this section if the respondent suspects the claimant of fraud (see s 111).
106	Respondent to give documents and information to contributor
	(1)	A respondent for a motor accident claim must give a contributor added by the respondent a copy of—
	(a)	each required document that is in the respondent’s possession; and
	(b)	any relevant claim information that is in the respondent’s possession.
	(2)	The respondent must give the copies—
	(a)	not later than 1 month after the day the respondent gives a contribution notice to the contributor; or
Note	The respondent gives the contributor a contribution notice under s 93.
	(b)	if a required document or relevant claim information comes into the respondent’s possession later—not later than 7 days after the day the document or information comes into the respondent’s possession.
Note 1	Section 108 applies if there would be more than 200 pages of copies.
Note 2	The respondent may not need to give a document or information under this section if the document or information is protected by client legal privilege (see s 109).
107	Contributor to give documents to respondent
	(1)	A contributor added by a respondent for a motor accident claim must give the respondent a copy of each required document that is in the contributor’s possession.
	(2)	The contributor must give the copies—
	(a)	not later than 1 month after the day the contributor is added as a contributor; or
	(b)	if a required document comes into the respondent’s possession later—not later than 7 days after the day the required document comes into the respondent’s possession.
Note 1	Section 108 applies if there would be more than 200 pages of copies.
Note 2	The contributor may not need to give a document or information under this section if the document or information is protected by client legal privilege (see s 109).
108	Alternative provision if more than 200 pages
	(1)	In this section:
relevant section means any of the following sections:
	(a)	section 105 (Respondent to give documents and information to claimant);
	(b)	section 106 (Respondent to give documents and information to contributor);
	(c)	section 107 (Contributor to give documents to respondent).
	(2)	This section applies if—
	(a)	a relevant section requires a person (the disclosing person) to give copies of reports or other documents or information (relevant material) to someone else; and 
	(b)	the total number of pages of the copies exceeds 200 pages.
	(3)	Not later than the day the disclosing person would, apart from this section, be required to give relevant material to someone else under the relevant section, the disclosing person need only offer the other person a reasonable opportunity to inspect the material.
	(4)	If the other person, whether on inspection or otherwise, by written notice given to the disclosing person, requires the disclosing person to give the other person copies of some or all of the relevant material, the disclosing person must comply with the requirement not later than—
	(a)	if the total number of pages does not exceed 200—1 month after the day the requirement is made; or
	(b)	in any other case—1 month after the day the other person pays 50 cents for each page by which the total number of pages exceeds 200 pages.
Note	If, under a provision of an Act or statutory instrument, an act must be done, the obligation to do the act continues until it is done (see Legislation Act, s 152).
109	Exception to obligation—client legal privilege
	(1)	A party is not obliged to give a document or information to another party under this part if the document or information is protected by client legal privilege.
	(2)	However, an investigative report, medical report or report relevant to the claimant’s rehabilitation must be given even though otherwise protected by client legal privilege.
	(3)	A regulation may prescribe exceptions to subsection (2).
	(4)	If a report mentioned in subsection (2) must be given, the report may be given with the omission of passages containing only statements of opinion.
	(5)	In this section:
investigative reports does not include a document prepared for an application for, an opinion on or a decision about indemnity against the motor accident claim from the Territory.
110	Exception to obligation—party already has documents or information
A party is not obliged to give a document or information to another party under this part if the document or information is already in the other party’s possession.
111	Exception to obligation—party suspects fraud
	(1)	If a party has reasonable grounds to suspect another party of fraud, the party may apply to the court for approval to withhold from disclosure under this part documents or information that—
	(a)	would alert the other party to the suspicion; or
	(b)	could help further the fraud.
	(2)	The application may be made without notice to the other party.
	(3)	If the court gives approval on application under subsection (1), the party may withhold from disclosure the documents or information in accordance with the approval.
112	Offence—failure to give document or information
A person commits an offence if the person—
	(a)	is a party for a motor accident claim; and
	(b)	is obliged to give a document or information under this part; and
	(c)	does not give the document or information in the way required under this part.
Maximum penalty:  100 penalty units.
Note 1	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).
Note 2	This section does not apply if—
·	the person is not obliged to give the document or information under s 109 or s 110; or
·	under s 111, the court has given approval for the party to withhold from disclosure the documents or information.
113	Consequences of failure to give document
	(1)	This section applies if a party for a motor accident claim fails to comply with a provision of this part requiring the party to disclose a document or information to another party.
	(2)	The document or information cannot be used by the party in a later court proceeding based on the motor accident claim, or the deciding of the claim, unless the court orders otherwise.
	(3)	If the document or information comes to the other party’s knowledge, the document or information may be used by the other party.
114	Privilege generally for documents and information
The documents and information given under this part are protected by the same privileges as if disclosed in a proceeding in the Supreme Court.

Part 4.4	Enforcement of pt 4.2 and pt 4.3
Notes to pt 4.4
In addition to this part, costs may be awarded against a party who does not comply with pt 4.2 (see s 99 and s 100).
In addition to this part, if a claimant fails to comply with s 104, the claimant may liable for costs to the respondent.
In addition to this part, if a respondent fails to comply with s 105, the respondent may be liable for costs to the claimant.
115	Court’s power to enforce compliance with pt 4.2 and pt 4.3
	(1)	This section applies if a party (the first party) fails to comply with a duty imposed under—
	(a)	part 4.2 (Motor accident claims procedures); or
	(b)	part 4.3 (Obligations to give documents and information).
	(2)	The court may, on the application of a party to whom the duty is owed, order the first party to take stated action to remedy the noncompliance not later than a day stated by the court.
	(3)	The court may make consequential or ancillary orders, including orders about costs.
116	Offence—false or misleading statements
	(1)	A person commits an offence if—
	(a)	the person makes a statement in a notice, response or other document given under—
	(i)	part 4.2 (Motor accident claims procedures); or
	(ii)	part 4.3 (Obligations on parties to give documents and information); and
	(b)	the person does so knowing that the statement—
	(i)	is false or misleading in a material particular; or
	(ii)	omits anything without which the statement is misleading in a material particular.
Maximum penalty:  100 penalty units, imprisonment for 1 year or both.
Note	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).
	(2)	A person commits an offence if—
	(a)	the person makes a statement in a notice, response or other document given under this part; and
	(b)	the person is reckless about whether the statement—
	(i)	is false or misleading in a material particular; or
	(ii)	omits anything without which the statement is misleading in a material particular.
Maximum penalty:  50 penalty units, imprisonment for 6 months or both.
Note	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).

Part 4.5	Expert reports
117	Panel of recognised medical experts
	(1)	The CTP regulator—
	(a)	may establish a panel of experts for reporting on the medical condition of claimants and their prospects of rehabilitation; and
	(b)	must revise the membership of the panel at least once every 3 years by adding to, or removing, the names of the experts who constitute the panel.
	(2)	In deciding on the composition of the panel, the CTP regulator—
	(a)	must consult with each professional body—
	(i)	prescribed by regulation; and
	(ii)	in the way prescribed by regulation; and
	(b)	may only include an expert on the panel if—
	(i)	the expert’s inclusion is endorsed by each relevant professional body; or
	(ii)	the CTP regulator is satisfied there is good reason for inclusion of the expert on the panel despite the absence of endorsement by each relevant professional body.
118	Parties may jointly arrange for expert report
	(1)	The parties for a motor accident claim may jointly arrange for an expert report about 1 or more of the following:
	(a)	the cause, or probable cause, of the motor accident for the motor accident claim and whether, in the expert’s opinion, 1 or more people (who may be named) are responsible for, or contributed to, the motor accident;
	(b)	the cause, or probable cause, of the injured person’s personal injury for the motor accident claim and whether, in the expert’s opinion, 1 or more people (who may be named) are responsible for, or contributed to, the motor accident;
	(c)	the injured person’s medical condition or prospects of rehabilitation;
	(d)	the injured person’s cognitive, functional or vocational capacity.
	(2)	A party is not under an obligation to agree to a proposal to obtain a report under this section.
	(3)	The person from whom an expert report is obtained must be a person, agreed to by the parties, with appropriate qualifications and experience in the subject area of the report.
	(4)	The person preparing the expert report must give the parties a copy of the report.
119	Cost of expert report obtained by agreement
	(1)	If an expert report is obtained by agreement between a respondent and a claimant and the claimant is liable for the cost of obtaining the report, the respondent must, at the claimant’s request, reimburse the claimant for the reasonable cost of obtaining the report.
	(2)	However, a claimant’s right to reimbursement under this section is subject to any agreement between the claimant and the respondent.
120	Examination by expert if no agreement
	(1)	This section applies if a respondent wants to obtain an expert report about 1 or more of the matters mentioned in section 118 (1) (Parties may jointly arrange for expert report) but fails to obtain the claimant’s agreement.
	(2)	The claimant must comply with a request by the respondent to undergo, at the respondent’s expense, either or both of the following:
	(a)	a medical examination by a doctor to be selected by the claimant from a panel of at least 3 doctors with appropriate qualifications and experience in the relevant field nominated by the respondent in the request;
	(b)	an assessment of cognitive, functional or vocational capacity by an expert to be selected by the claimant from a panel of at least 3 experts with appropriate qualifications and experience in the relevant field nominated by the respondent in the request.
	(3)	However, a claimant is not obliged to undergo an examination or assessment under this section if the examination or assessment is unreasonable or unnecessarily repetitious.
	(4)	If 3 doctors or experts with appropriate qualifications and experience in the relevant field are not available for inclusion on a panel under subsection (2), the number on the panel may be reduced to 2.

Part 4.6	Respondent to pay for medical expenses and rehabilitation services
Division 4.6.1	Medical expenses
121	Preconditions to payment of medical expenses
A claimant for a motor accident claim is entitled to payment for medical expenses under this division only if—
	(a)	the respondent for the motor accident claim admits liability for the motor accident claim; and
	(b)	either—
	(i)	a police officer attended the motor accident for the motor accident claim; or
	(ii)	the motor accident was officially reported to a police officer by or for the injured person.
122	Respondent to pay injured person’s medical expenses
	(1)	The respondent must pay—
	(a)	the injured person’s medical expenses that are reasonably incurred because of the personal injury caused by the motor accident for the motor accident claim; or
	(b)	a proportion of the medical expenses reflecting the extent of the respondent’s responsibility (assuming the claimant to be guilty of contributory negligence as asserted by the respondent).
	(2)	The respondent must make a payment under this section on presentation of an account made up, and verified, as prescribed by regulation.
	(3)	This section does not apply to any expenses already paid for the injured person under section 73 (What kinds of expenses must be paid by insurer?).
Note 1	Payments under this section may be recoverable under part 4.11.
Note 2	It is a condition of a CTP insurer licence that the licensed insurer must comply with this section (see s 185).
Division 4.6.2	Rehabilitation services
123	What is rehabilitation?
In this chapter:
rehabilitation means the use of medical, psychological, physical, social, educational and vocational measures, individually or in combination—
	(a)	to restore, as far as reasonably possible, physical or mental functions lost or impaired through personal injury; or
	(b)	to optimise, as far as reasonably possible, the quality of life of a person who suffers the loss or impairment of physical or mental functions through personal injury.
124	What are rehabilitation services?
In this Act:
rehabilitation services means services for providing rehabilitation to a person.
125	What are provided rehabilitation services?
In this division:
provided rehabilitation services means rehabilitation services made available by a respondent to a claimant under section 126 or section 127.
126	Respondent may make rehabilitation services available
	(1)	A respondent may make rehabilitation services available to a claimant on the respondent’s own initiative or at the claimant’s request.
	(2)	If a respondent makes rehabilitation services available to a claimant before admitting or denying liability for a motor accident claim, the respondent must not be taken, for that reason, to have admitted liability.
127	Respondent to make rehabilitation services available
	(1)	This section applies if a respondent—
	(a)	admits liability for a motor accident claim; or
	(b)	agrees to pay for rehabilitation services without admitting liability.
Note	The respondent must tell the claimant in the response to the notice of claim whether the respondent is prepared to meet the reasonable and appropriate cost of the claimant’s rehabilitation (without admitting liability) (see s 90).
	(2)	The respondent must, at the claimant’s request, ensure that reasonable and appropriate rehabilitation services are made available to the claimant.
Note	It is a condition of a CTP insurer licence that the licensed insurer must comply with this section (see s 185).
128	Respondent to give assessment of damages notice
	(1)	This section applies if a respondent intends to—
	(a)	make rehabilitation services available to a claimant under section 126 or section 127.
	(b)	ask the court to take the cost of rehabilitation services into account in the assessment of damages.
	(2)	The respondent must, before providing the rehabilitation services, give the claimant, written notice (an assessment of damages notice) that includes—
	(a)	an estimate of the cost of the rehabilitation services; and
	(b)	a statement explaining how, and to what extent, the assessment of damages is likely to be affected by the provision of the rehabilitation services.
129	Cost of services and assessment of damages
	(1)	The cost to the respondent of providing the rehabilitation services may be taken into account in the assessment of damages for the motor accident claim only if the respondent has given the claimant an assessment of damages notice under section 128.
	(2)	If the cost of rehabilitation services is to be taken into account in the assessment of damages, the cost is taken into account as follows:
	(a)	the claimant’s damages are first assessed (without reduction for contributory negligence) on the assumption that the claimant has incurred the cost of the rehabilitation services as a result of the personal injury caused by the motor accident;
	(b)	any reduction to be made on account of contributory negligence is then made;
	(c)	the total cost of rehabilitation services is then set-off against the amount assessed.
130	Reasonable and appropriate services—mediation
	(1)	If the claimant is not satisfied that provided rehabilitation services are reasonable and appropriate, the claimant may apply to the CTP regulator to appoint a mediator to help resolve the questions between the claimant and respondent.
	(2)	An application for appointment of a mediator must—
	(a)	be made in writing; and
	(b)	give details of any attempts made by the claimant to resolve the matter in dispute.
	(3)	The fees and expenses of the mediator must be paid as agreed between the parties or, if there is no agreement, by the parties in equal proportions.
131	Reasonable and appropriate services—court proceeding
	(1)	If the claimant is not satisfied that provided rehabilitation services are reasonable and appropriate, the claimant may apply to the court to decide what rehabilitation services are, in the circumstances of the case, reasonable and appropriate.
	(2)	An application may be made to the court whether or not there has been an earlier attempt to resolve the questions between the claimant and the respondent by mediation.
	(3)	On application, the court may decide what rehabilitation services are, in the circumstances of the case, reasonable and appropriate and make consequential orders and directions.
132	Respondent to pay for rehabilitation services
The respondent must bear (or reimburse) the cost of provided rehabilitation services unless the respondent’s liability is reduced—
	(a)	by agreement with the claimant; or
	(b)	by order of the court under section 134 (Cost of rehabilitation services—court proceeding).
Note 1	Costs paid under this section may be recoverable under part 4.11.
Note 2	It is a condition of a CTP insurer licence that the licensed insurer must comply with this section (see s 185).
133	Cost of rehabilitation services—mediation
	(1)	If the respondent considers that the cost of provided rehabilitation services is unreasonable, the respondent may apply to the CTP regulator to appoint a mediator to help resolve the questions between the claimant and the respondent.
	(2)	An application for appointment of a mediator must—
	(a)	be made in writing; and
	(b)	give details of any attempts made by the claimant to resolve the matter in dispute.
	(3)	The fees and expenses of the mediator must be paid as agreed between the parties or, if there is no agreement, by the parties in equal proportions.
134	Cost of rehabilitation services—court proceeding
	(1)	If the respondent considers that the cost of provided rehabilitation services is unreasonable, the respondent may apply to the court to decide—
	(a)	what rehabilitation services are, in the circumstances of the case, reasonable and appropriate; or
	(b)	to what extent the respondent should contribute to the cost of rehabilitation services.
	(2)	A respondent may apply to the court whether or not there has been an earlier attempt to resolve the questions between the respondent and the claimant by mediation.
	(3)	On application, the court may decide the questions raised on the application and make consequential orders and directions.
Division 4.6.3	Medical and rehabilitation guidelines
135	CTP regulator may make medical and rehabilitation guidelines
	(1)	The CTP regulator may make guidelines (medical and rehabilitation guidelines) for the following:
	(a)	the medical treatment of injured people;
	(b)	the provision of rehabilitation services for injured people (including the circumstances in which rehabilitation services must be provided);
	(c)	the assessment of the degree of permanent impairment of an injured person as a result of an personal injury caused by a motor accident.
Note	It is a condition of a CTP insurer licence that the licensed insurer must comply with this the medical and rehabilitation guidelines (see s 185).
	(2)	A medical and rehabilitation guideline is a disallowable instrument.
Note	A disallowable instrument must be notified, and presented to the Legislative Assembly, under the Legislation Act.
	(3)	Medical and rehabilitation guidelines—
	(a)	must not be construed as requiring medical treatment to be carried out in accordance with medical and rehabilitation guidelines; and
	(b)	must be consistent with a high standard of medical care, dental care, rehabilitation, aftercare and continuing care as exists in the community at that time.
	(4)	Medical and rehabilitation guidelines must be developed in consultation with—
	(a)	relevant medical colleges including the following:
	(i)	the Royal Australasian College of Physicians;
	(ii)	the Royal Australasian College of Surgeons;
	(iii)	the Royal Australian College of General Practitioners;
	(iv)	the Australian Orthopaedic Association; and
	(b)	other relevant colleges and associations including the paramedical professional associations; and
	(c)	anyone else prescribed by regulation.

Part 4.7	Compulsory conferences before court proceedings
    
136	Compulsory conference
	(1)	Before a claimant for a motor accident claim brings a court proceeding based on the motor accident claim, the parties for the motor accident claim must have a conference (the compulsory conference).
	(2)	Any party may call the compulsory conference—
	(a)	at a time and place agreed by each party; or
	(b)	if more than 6 months has passed since the respondent received, or is taken to have received, the claimant’s complying notice of claim—at a reasonable time and place nominated by the party calling the conference.
Note	The circumstances in which a claimant is taken to have given a respondent a complying notice of claim are in s 95.
	(3)	On application by a party, the court may decide the time and place for the compulsory conference and make any other orders the court considers appropriate in the circumstances.
	(4)	The parties may, by agreement, change the time or place for holding a compulsory conference or adjourn a compulsory conference from time to time and from place to place.
	(5)	The compulsory conference may be conducted, if the parties agree, by telephone, closed-circuit television or another form of communication allowing contemporaneous and continuous communication between the parties.
137	Compulsory conference may be dispensed with
	(1)	On application by 1 or more of the parties for the motor accident claim, the court may dispense with the compulsory conference for good reason and make any other orders the court considers appropriate in the circumstances.
	(2)	In considering whether to dispense with the compulsory conference, the court must take into account the extent of compliance by the parties with their respective obligations for the motor accident claim.
138	Compulsory conference mediator
	(1)	A compulsory conference may be held with a mediator if—
	(a)	each party for the motor accident claim agrees; and
	(b)	each party for the motor accident claim agrees, in writing, about how costs of the mediation are to be apportioned between the parties.
	(2)	The mediator must be a person who is independent of the parties.
	(3)	The mediator must be decided by agreement by each party for the motor accident claim.
	(4)	However, if the parties are unable to agree on a mediator not later than 30 days after the date for the compulsory conference is decided, any party for the motor accident claim may apply to the registrar of the court for the registrar to decide the mediator.
139	Procedures before compulsory conference
	(1)	At least 7 days before the compulsory conference is to be held, each party for the motor accident claim must give each other party for the motor accident claim the following:
	(a)	a copy of each document that is relevant to the motor accident claim that has not yet been given to the other party;
	(b)	a statement verifying that all relevant documents in the possession of the party or the party’s lawyer have been given as required;
	(c)	details of the party’s legal representation;
	(d)	if the party has legal representation—a certificate of readiness signed by the party’s lawyer.
	(2)	However, on application by a party, the court may exempt the party from an obligation to give material to another party before trial if satisfied that—
	(a)	giving the material would alert a person reasonably suspected of fraud to the suspicion; or
	(b)	there is some other good reason why the material should not be given.
	(3)	In this section:
certificate of readiness, by a party to a motor accident claim, means a certificate stating that—
	(a)	the party is in all respects ready for—
	(i)	the compulsory conference; and
	(ii)	the trial; and
	(b)	the party has obtained all investigative material required for the trial including witness statements from each person (other than expert witnesses) the party intends to call as a witness at the trial; and
	(c)	the party has obtained medical or other expert reports from each person the party proposes to call as an expert witness at the trial; and
	(d)	the party has fully complied with the party’s obligations to give the other parties material relevant to the motor accident claim; and
	(e)	the party’s lawyer has given the party a costs statement.
costs statement, by a party’s lawyer, means a statement containing—
	(a)	details of the legal costs (clearly identifying costs that are legal fees and costs that are disbursements) payable by the party to the party’s lawyer up to the completion of the conference; and
	(b)	an estimate of the party’s likely legal costs (clearly identifying costs that are legal fees and costs that are disbursements) if the motor accident claim proceeds to trial and is decided by the court; and
	(c)	a statement of the consequences to the party, in terms of costs, in each of the following cases:
	(i)	if the amount of the damages awarded by the court is equal to, or more than, the claimant’s mandatory final offer;
	(ii)	if the amount of the damages awarded by the court is less than the claimant’s mandatory final offer but equal to, or more than, the respondent’s mandatory final offer;
	(iii)	if the amount of the damages awarded by the court is equal to, or less than, the respondent’s mandatory final offer.
Note	Mandatory final offers are dealt with in pt 4.8.
140	Attendance and participation at compulsory conference
	(1)	Each conference participant must, unless the conference participant has a reasonable excuse—
	(a)	attend the compulsory conference; and
	(b)	actively take part in an attempt to settle the motor accident claim.
	(2)	In this section:
conference participant means—
	(a)	the claimant or the claimant’s guardian; and
	(b)	a person authorised by a respondent or contributor to settle the motor accident claim on the respondent’s or contributor’s behalf.

Part 4.8	Mandatory final offers
141	Mandatory final offers
	(1)	This section applies if, for a motor accident claim—
	(a)	the compulsory conference has been dispensed with under section 137 (Compulsory conference may be dispensed with); or
	(b)	the motor accident claim is not settled at the compulsory conference.
	(2)	The claimant and the respondent for the motor accident claim must exchange written final offers (each of which is a mandatory final offers).
	(3)	However, if a respondent denies liability altogether, the respondent must give the claimant a written notice of denial (a mandatory final notice).
	(4)	If the respondent gives the claimant a mandatory final notice, for this Act, the respondent is taken to have given the claimant a mandatory final offer of $0.
	(5)	A mandatory final offer must identify how much of the offer is for pain and suffering.
Note	If a form is approved under s 276 for a mandatory final offer or a mandatory final notice, the form must be used.
142	Mandatory final offers may be dispensed with
The court may, on application by the claimant or the respondent for the motor accident claim, dispense with the obligation to exchange mandatory final offers.
143	Timing of mandatory final offers
	(1)	If the court has not dispensed with the obligation to exchange mandatory final offers, mandatory final offers for a motor accident claim must be exchanged—
	(a)	if the compulsory conference has been dispensed with—not later than 14 days after the day the conference was dispensed with; or
Note	A compulsory conference may be dispensed with by agreement or by court order (see s 137).
	(b)	if the claim is not settled at the compulsory conference—at the end of the conference.
	(2)	A mandatory final offer remains open for 14 days.
144	Working out costs for mandatory final offers
	(1)	A mandatory final offer for $50 000 or less must be exclusive of costs.
	(2)	If a mandatory final offer is for more than $30 000 but not more than $50 000, and is accepted, costs must be worked out and paid in the way prescribed by regulation.
145	Court proceedings not to begin if mandatory final offer open
	(1)	A claimant for a motor accident claim must not begin a court proceeding based on the claim if a mandatory final offer for the claim remains open.
Note	A mandatory final offer remains open for 14 days (see s 143).
	(2)	If a claimant brings a court proceeding based on a motor accident claim, the claimant must, at the beginning of the proceeding, file in the court a sealed envelope containing a copy of the claimant’s mandatory final offer.
	(3)	The respondent must, before or at the time of filing a defence, file in the court a sealed envelope containing a copy of the respondent’s mandatory final offer.
	(4)	The court must not read the mandatory final offers until the court has decided the claim.
	(5)	However, the court must have regard to the mandatory final offers if making a decision about costs.

Part 4.9	Court proceedings
146	Time limit for beginning proceeding
	(1)	This section applies if a claimant for a motor accident claim does not begin a court proceeding based on the motor accident claim in accordance with the time limits in the following sections:
	(a)	section 147 (Time limit—compulsory conference);
	(b)	section 148 (Time limit—no compulsory conference);
	(c)	section 149 (Time limit—no mandatory final offers).
	(2)	The claimant may still begin the proceeding but the court may order the claimant to pay the respondent’s costs caused by the delay.
	(3)	The respondent may apply to the court for an order deciding a time by which the claimant must begin the proceeding.
	(4)	If the claimant does not begin a proceeding in accordance with a court order made on application under subsection (3), the motor accident claim is barred.
147	Time limit—compulsory conference
	(1)	This section applies if—
	(a)	the parties to a motor accident claim have had a compulsory conference; and
	(b)	the obligation to exchange mandatory final offers has not been dispensed with.
Note	A court may dispense with the obligation to exchange mandatory final offers under s 142.
	(2)	The claimant may only begin a court proceeding based on the motor accident claim not later than—
	(a)	60 days after the end of the compulsory conference; or
	(b)	a later day—
	(i)	agreed by the parties not later than 60 days after the end of the compulsory conference; or
	(ii)	decided by the court on application by the claimant not later than 60 days after the end of the compulsory conference.
Note	The claimant may still be able to begin a court proceeding based on the motor accident claim under s 146.
148	Time limit—no compulsory conference
	(1)	This section applies if—
	(a)	the compulsory conference for the parties to a motor accident claim has been dispensed with; but
	(b)	the obligation to exchange mandatory final offers has not been dispensed with.
Note 1	A compulsory conference may be dispensed with by agreement or by court order (see s 137).
Note 2	A court may dispense with the obligation to exchange mandatory final offers (see s 142).
	(2)	The claimant may only begin a court proceeding based on the motor accident claim not later than—
	(a)	the due date; or
	(b)	a later day—
	(i)	agreed by the parties not later than the due date; or
	(ii)	decided by the court on application by the claimant not later than the due date.
Note	The claimant may still be able to begin a court proceeding based on the motor accident claim under s 146.
	(3)	In this section:
due date means the day 60 days after the later of the following:
	(a)	6 months after the respondent received, or is taken to have received, the claimant’s complying notice of claim;
Note	The circumstances in which a claimant is taken to have given a respondent a complying notice of claim are in s 95.
	(b)	the day the compulsory conference was dispensed with.
Note	A compulsory conference may be dispensed with by agreement or by court order (see s 137).
149	Time limit—no mandatory final offers
	(1)	This section applies if a court dispenses with the obligation to exchange mandatory final offers.
Note	A court may dispense with the obligation under s 142.
	(2)	A claimant may only begin a court proceeding based on the motor accident claim not later than the day decided by the court when, or after, the court dispenses with the obligation.
Note	The claimant may still be able to begin a court proceeding based on the motor accident claim under s 146.
150	Need for urgent proceeding
	(1)	The court, on application by a claimant, may give leave to the claimant to begin a proceeding in the court based on a motor accident claim despite noncompliance with this part if satisfied there is an urgent need to begin the proceeding.
	(2)	The order giving leave may be made on conditions the court considers appropriate having regard to the circumstances of the case.
	(3)	If leave is given, the proceeding started by leave is stayed until the claimant complies with this part or the proceeding is discontinued or otherwise ends.
	(4)	However, the proceeding is not stayed if—
	(a)	the court is satisfied that—
	(i)	the claimant is suffering from a terminal condition; and
	(ii)	the trial of the proceeding should be expedited; and
	(b)	the court orders the proceeding be given priority in the allocation of a trial date.
	(5)	If, under subsection (4), the proceeding is not stayed, this part (other than this section) does not apply to the personal injury.
151	Insurer to be joint or sole defendant
	(1)	This section applies if—
	(a)	a claimant brings a court proceeding based on a motor accident claim; and
	(b)	the respondent is an insured person or an insurer for the motor accident claim.
	(2)	The claimant must bring the proceeding against the insured person and the insurer as joint defendants.
	(3)	However, the claimant may bring a proceeding against the insurer alone if—
	(a)	the insured person cannot be identified; or
	(b)	the insured person is dead; or
	(c)	it is impracticable to give the insured person a legal document.
	(4)	If judgment is given in favour of the claimant on the motor accident claim for the personal injury, the judgment must be given against the insurer and not the insured person, and, if the proceeding involves other claims (unrelated to the personal injury), a separate judgment must be given on the other claims.
	(5)	It is not a defence to a proceeding under this section if the insurer proves that—
	(a)	a CTP policy was obtained by fraud, or a material misstatement or nondisclosure; or
	(b)	the insured person is in breach of a contractual or statutory obligation.
152	Procedure if respondent is insurer
	(1)	This section applies if—
	(a)	a claimant brings a court proceeding based on a motor accident claim; and
	(b)	the respondent is an insured person or an insurer.
	(2)	If the motor accident claim lies against 2 or more insurers, all insurers become defendants to the proceeding, but the respondents’ claim manager continues to represent all insurers in the proceeding unless the court gives leave allowing 1 or more of the insurers to be separately represented.
	(3)	If a motor accident claim lies against 2 or more insurers, and a legal document related to a proceeding based on the motor accident claim is given to the respondents’ claim manager, all insurers are taken to have been given the legal document.
	(4)	If a legal document related to a proceeding based on a motor accident claim is given to the insurer, the insured person is also taken to have been given the legal document.
153	Exclusion of summary judgment on the basis of admissions
	(1)	In a court proceeding based on a motor accident claim, summary judgment is not to be given on the basis of the defendant’s admissions.
	(2)	However, this section does not prevent a court from giving a judgment by consent.
154	Insurer’s right to call and cross-examine insured person
	(1)	This section applies if—
	(a)	a claimant brings a court proceeding based on a motor accident claim; and
	(b)	the defendant is, or includes, an insurer.
Note	In most cases, the claimant must bring the proceeding against the insured person and the insurer as joint defendants (see s 151).
	(2)	The insurer may 
	(a)	call the insured person as a witness; and
	(b)	with the court’s leave, cross-examine the insured person.
155	Costs—small awards of damages—generally
	(1)	This section applies if a court awards $50 000 or less in damages in a proceeding (other than an appellate proceeding) based on a motor accident claim.
Note	Damages does not include damages for pain and suffering (see s (5)).
	(2)	If the court awards $30 000 or less in damages, the court must apply the following principles:
	(a)	if the amount awarded is less than the claimant’s mandatory final offer but more than the respondent’s mandatory final offer, no costs are to be awarded;
	(b)	if the amount awarded is equal to, or more than, the claimant’s mandatory final offer, costs must be awarded to the claimant in the way prescribed by regulation as from the date on which the proceeding began (but no award is to be made for costs up to that date);
	(c)	if the amount awarded is equal to, or less than, the respondent’s mandatory final offer, costs must be awarded to the respondent as prescribed by regulation.
	(3)	If the court awards more than $30 000 but not more than $50 000 in damages, the court must apply the following principles:
	(a)	if the amount awarded is less than the claimant’s mandatory final offer but more than the respondent’s mandatory final offer, costs must be awarded to the claimant in accordance with the Civil Law (Wrongs) Act 2002, chapter 14, up to the maximum amount prescribed by regulation or, if no amount is prescribed, $2 500;
	(b)	if the amount awarded is equal to, or more than, the claimant’s mandatory final offer, costs must be awarded to the claimant as follows:
	(i)	costs up to the date on which the proceeding began must be awarded in accordance with the Civil Law (Wrongs) Act 2002, chapter 14, up to the maximum amount prescribed by regulation or, if no amount is prescribed, $2 500;
	(ii)	costs on or after the date on which the proceeding began must be awarded on an indemnity basis;
	(c)	if the amount awarded is equal to, or less than, the respondent’s mandatory final offer, costs must be awarded as follows:
	(i)	costs up to the date on which the proceeding began must be awarded to the claimant in accordance with the Civil Law (Wrongs) Act 2002, chapter 14, up to the maximum amount prescribed by regulation or, if no amount is prescribed, $2 500;
	(ii)	costs on or after the date on which the proceeding began must be awarded to the respondent in accordance with the Civil Law (Wrongs) Act 2002, chapter 14.
	(4)	This section is subject to section 156.
	(5)	In this section:
damages does not include damages for pain and suffering.
156	Costs—small awards of damages—exceptions
	(1)	This section applies if a court awards $50 000 or less in damages in a proceeding (other than an appellate proceeding) based on a motor accident claim.
Note	Damages does not include damages for pain and suffering (see s (7)).
	(2)	This section applies in addition to section 155.
	(3)	The court may make an award of costs to compensate a party for costs resulting from a failure by another party to comply with a procedural obligation under this part.
	(4)	The court must not award costs to a party related to the introduction of evidence by the party that is unnecessarily repetitive.
Example
If a claimant calls 2 or more expert witnesses from the same area of expertise to give evidence to substantially the same effect, and the claimant is entitled to costs under s 155, the court must only allow costs related to 1 of the expert witnesses.
Note	An example is part of the Act, is not exhaustive and may extend, but does not limit, the meaning of the provision in which it appears (see Legislation Act, s 126 and s 132).
	(5)	Unless an award of damages is affected by factors that were not reasonably foreseeable at the time of the exchange of mandatory final offers, the court must not award costs to a party related to investigations or gathering of evidence by the party after—
	(a)	the end of the compulsory conference; or
	(b)	if the parties or the court dispenses with a compulsory conference—the date when the parties completed the exchange of mandatory final offers.
Note	A compulsory conference may be dispensed with by agreement or by court order (see s 137).
	(6)	If an award of damages is affected by factors that were not reasonably foreseeable by a party at the time of making the party’s mandatory final offer, the court may, if satisfied that it is just to do so, make an order for costs under section 155 (2) or (3) as if the reference to a mandatory final offer in the relevant subsection were a reference to a later offer made in the light of the factors that became apparent after the parties completed the exchange of mandatory final offers.
Example
If a claimant’s medical condition suddenly and unexpectedly deteriorates after the date of the mandatory final offers and the court makes a much higher award of damages than would have been reasonably expected at that date, the court may ignore the mandatory final offers and award costs on the basis of later offers of settlement.
	(7)	In this section:
damages does not include damages for pain and suffering.

Part 4.10	Judgment for noncompliance with time limits
157	Definitions—pt 4.10
In this part:
compliance notice—see section 158.
enforcing party—see section 158.
late party—see section 158.
relevant notice claim—see section 159.
required thing, under a compliance notice, means the thing required to be done under the notice.
158	Notice time limit not complied with
	(1)	This section applies if—
	(a)	for a motor accident claim—
	(i)	the respondent has given the claimant a mandatory final notice under section 141; or
	(ii)	the court has dispensed with the obligation to exchange mandatory final offers under section 142; or
	(iii)	the time for exchanging mandatory final offers under section 143 has closed; and
	(b)	a party (the late party) to the claim fails to do something required to be done within a time limit for doing the thing under this Act.
	(2)	However, this section does not apply if—
	(a)	the late party is the claimant; and
	(b)	the claimant is not legally represented in relation to the claim.
	(3)	Another party to the claim (the enforcing party) may give the late party a notice (the compliance notice) requiring the late party to do the required thing not later than 7 days after the day the late party receives the compliance notice.
159	Thing not done within 7-day period—claimant as enforcing party
	(1)	This section applies if—
	(a)	an enforcing party has given a late party a compliance notice; and
	(b)	the late party does not do the required thing within the 7-day period in the notice; and
	(c)	the enforcing party is the claimant to the motor accident claim (the relevant notice claim) to which the notice relates.
	(2)	The enforcing party may, not later than 14 days after the day the 7‑day period ends, apply to the court for an order—
	(a)	if the claimant has not started a proceeding based on the relevant notice claim—giving the claimant leave to begin the proceeding; and
	(b)	giving judgment in the proceeding in favour of the claimant against the respondent.
160	Thing not done within 7-day period—respondent as enforcing party
	(1)	This section applies if—
	(a)	an enforcing party has given a late party a compliance notice; and
	(b)	the late party does not do the required thing within the 7-day period in the notice; and
	(c)	the enforcing party is the respondent to the relevant notice claim.
	(2)	The enforcing party may, not later than 14 days after the day the 7‑day period ends, apply to the court for an order—
	(a)	if the claimant has not started a proceeding based on the relevant notice claim—that the claimant is barred from beginning the proceeding; or
	(b)	giving judgment in the proceeding in favour of the respondent against the claimant.
161	Thing not done within 7-day period—court may make orders
	(1)	On application for judgment under section 159 or section 160, the court may make the orders sought.
	(2)	In considering the application, the court must not make an order against the late party if the party establishes that the party had a reasonable excuse for failing to do the required thing within the 7‑day period.
162	Court orders in favour of claimant
	(1)	This section applies if the court makes an order giving judgment in favour of the claimant against the respondent.
	(2)	The court must order—
	(a)	if the claimant and respondent have each made a written offer to the other party—damages worked out by adding the claimant’s last written offer to the respondent’s last written offer and dividing the total by 2; or
	(b)	if 1 of the parties has not made a written offer—damages to be assessed by the court.
	(3)	The court must order the respondent to pay the claimant’s costs on an indemnity basis from the day the complying claim was received by the respondent’s insurer.
163	Court orders in favour of respondent
	(1)	This section applies if the court makes an order in favour of the respondent against the claimant.
	(2)	Unless the court otherwise orders, the claimant must pay the respondent’s costs of the proceeding including the costs of the application.

Part 4.11	CTP insurer and nominal defendant may recover costs incurred
Division 4.11.1	Preliminary
164	What are costs?
In this part:
costs, when used in reference to the costs of an insurer for a motor accident claim, includes—
	(a)	the amount paid out by the insurer on the claim to the claimant or for the claimant’s benefit, including—
	(i)	the cost to the insurer of paying medical expenses for the claim; and
	(ii)	the cost to the insurer of providing rehabilitation services for the claim; and
Note 1	Early payment of medical expenses is dealt with in ch 3.
Note 2	Medical expenses and rehabilitation services are dealt with in pt 4.6.
	(b)	the amounts paid by the insurer in investigating the claim and of litigation related to the claim (but not the insurer’s general administration costs).
165	Insurer may only recover costs once
An insurer is not entitled to recover costs under a provision of this part if the insurer has already recovered the costs under another provision.
166	Proceeding to recover costs
A proceeding by an insurer under a provision of this part may be brought separately or by way of a third-party proceeding.
Division 4.11.2	CTP insurers
167	CTP insurer may recover excess if 25% fault
	(1)	This section applies if—
	(a)	personal injury is caused by a motor accident involving a CTP insured person; and
	(b)	the CTP insured person is more than 25% at fault for the motor accident.
	(2)	The CTP insurer for the CTP insured person may recover as a debt from the CTP insured person—
	(a)	if the costs reasonably incurred by the CTP insurer for a motor accident claim for the motor accident are not more than $500—the total of the costs incurred; or
	(b)	if the costs reasonably incurred by the CTP insurer for a motor accident claim for the motor accident are more than $500—$500.
Note 1	A CTP policy insures against the risk of liability for personal injury caused by a motor accident (see s 21).
Note 2	Costs include medical expenses and rehabilitation costs (see s 164).
168	CTP insurer may recover $2 000 if CTP premium fraud
	(1)	This section applies if—
	(a)	personal injury is caused by a motor accident involving a CTP insured person; and
	(b)	the CTP insured person deliberately avoided paying the correct CTP premium for the CTP policy by making a statement in relation to the issue of the policy that the CTP insured person knew was false or misleading in a material particular.
	(2)	The CTP insurer may recover as a debt from the CTP insured person—
	(a)	if the costs reasonably incurred by the CTP insurer for a motor accident claim for the motor accident are not more than $2 000—the total of the amount paid and costs incurred; or
	(b)	if the costs reasonably incurred by the CTP insurer for a motor accident claim for the motor accident are more than $2 000—$2 000.
Note 1	A CTP policy insures against the risk of liability for personal injury caused by a motor accident (see s 21).
Note 2	Costs include medical expenses and rehabilitation costs (see s 164).
169	CTP insurer may recover costs if no authority to use vehicle
	(1)	This section applies if—
	(a)	personal injury is caused by a motor accident involving a CTP insured person; and
	(b)	the CTP insured person was, at the time of the motor accident, using the motor vehicle—
	(i)	without the owner’s authority; and
	(ii)	without lawful justification or excuse; and
	(iii)	without reasonable grounds for believing that the CTP insured person had the owner’s authority, or lawful justification or excuse, for using the motor vehicle.
	(2)	The insurer may recover as a debt from the CTP insured person any costs reasonably incurred by the insurer for a motor accident claim for the personal injury.
Note	A CTP policy insures against the risk of liability for personal injury caused by a motor accident (see s 21).
170	CTP insurer may recover costs if injury intentional
	(1)	This section applies if—
	(a)	personal injury is caused by a motor accident involving a CTP insured person; and
	(b)	the CTP insured person intended to injure the claimant or someone else.
	(2)	The CTP insurer may recover as a debt from the CTP insured person any costs reasonably incurred by the CTP insurer for a motor accident claim for the personal injury.
Note	A CTP policy insures against the risk of liability for personal injury caused by a motor accident (see s 21).
171	CTP insurer may recover costs if driver using alcohol or drugs
	(1)	This section applies if—
	(a)	personal injury is caused by a motor accident involving a CTP insured person; and
	(b)	the CTP insured person was the driver of the motor vehicle at the time of the motor accident; and
	(c)	the CTP insured person was, at the time of the motor accident, unable to exercise effective control of the motor vehicle because of the CTP insured person’s ingestion of—
	(i)	alcohol; or
	(ii)	a non-medicinal drug or a combination of non-medicinal drugs; or
	(iii)	a combination of alcohol and 1 or more non-medicinal drugs.
	(2)	The CTP insurer may recover as a debt from the CTP insured person any costs reasonably incurred by the CTP insurer for a motor accident claim for the personal injury if the costs are reasonably attributable to the CTP insured person’s inability to exercise effective control of the motor vehicle.
	(3)	In this section:
non-medicinal drug means a drug other than a drug genuinely and lawfully ingested for medical or therapeutic purposes.
Note	A CTP policy insures against the risk of liability for personal injury caused by a motor accident (see s 21).
Division 4.11.3	CTP insurer and nominal defendant
172	Insurer may recover costs if motor vehicle defective
	(1)	This section applies if—
	(a)	personal injury is caused by a motor accident involving an insured person; and
	(b)	the motor accident is attributable wholly or partly to a defect in a motor vehicle; and
	(c)	the defect arose from the wrongful act or omission of the manufacturer or a person who carries on a business of repairing motor vehicles.
	(2)	The insurer may recover as a debt from the manufacturer or repairer the proportion of the costs reasonably incurred by the insurer for a motor accident claim for the personal injury that reasonably reflects the degree of the manufacturer’s or repairer’s responsibility for the motor accident.
	(3)	However, it is a defence for the manufacturer or repairer to prove that the insured person of the motor vehicle drove the motor vehicle with knowledge of the defect and its likely effect.
Note 1	A CTP policy insures against the risk of liability for personal injury caused by a motor accident (see s 21).
Note 2	An amount recovered under this section by the nominal defendant must be paid into the nominal defendant fund (see s 66).
173	Insurer may recover costs if fraud
An insurer may recover from a claimant or other person who defrauds, or attempts to defraud, the insurer for a motor accident claim any costs reasonably incurred by the insurer because of the fraud.
Note	An amount recovered under this section by the nominal defendant must be paid into the nominal defendant fund (see s 66).
Division 4.11.4	Nominal defendant
174	Nominal defendant may recover costs from owner or driver
	(1)	This section applies if personal injury is caused by a motor accident involving an uninsured motor vehicle or an unidentified motor vehicle.
Note	The nominal defendant is liable in relation to uninsured motor vehicles (see s 61), and unidentified motor vehicles (see s 63).
	(2)	The nominal defendant may recover as a debt from the owner or driver of the vehicle (or both) any costs reasonably incurred by the nominal defendant for a motor accident claim for the personal injury.
	(3)	It is a defence to a proceeding under this section against the owner for the owner to prove that—
	(a)	the motor vehicle was driven without the owner’s authority; or
	(b)	the owner believed on reasonable grounds that the motor vehicle was insured.
	(4)	It is a defence to a proceeding under this section against the driver for the driver to prove that the driver believed on reasonable grounds that—
	(a)	the driver had the owner’s consent to drive the motor vehicle; and
	(b)	the motor vehicle was insured.
	(5)	The nominal defendant may bring a proceeding for recovery of costs under this section before the costs have been actually paid in full and, in that case, a judgment for recovery of costs may provide that, as far as the costs have not been actually paid, the right to recover the costs is contingent on payment.
	(6)	This section does not affect a right of recovery that the nominal defendant may have, apart from this section, against the insured person.
Note	An amount recovered under this section must be paid into the nominal defendant fund (see s 66).
175	Nominal defendant—access to territory information etc
The nominal defendant is entitled to have access to information and materials in the possession of the Territory that may be relevant to the recovery of costs that the nominal defendant is entitled to recover under this part.

Part 4.12	Other matters
    
176	Insurer to deter fraudulent motor accident claims
An insurer must take all reasonable steps to deter and prevent the making of fraudulent motor accident claims.
177	Extraterritorial operation
	(1)	It is the intention of the Legislative Assembly that any provision of a Territory law that provides for limits on liability for damages for personal injury arising out of motor vehicle accidents that happen in the ACT—
	(a)	is to apply to the full extent of the Legislative Assembly’s capacity to legislate extraterritorially, even if damages are assessed outside the ACT; and
	(b)	is to be regarded by courts as a substantive rather than a procedural provision.
	(2)	If a claimant, in a proceeding brought in another jurisdiction, recovers damages in excess of the maximum amount that could have been recovered if the proceeding had been brought in the ACT, the respondent may recover from the claimant the amount (the excess amount) by which the damages exceed the maximum amount of damages that could have been awarded had the proceeding been brought in the ACT.
	(3)	The excess amount may be recovered as a debt to the claimant.
	(4)	In this section:
another jurisdiction means a jurisdiction other than the ACT and includes a jurisdiction outside Australia. 

Chapter 5	Licensing of insurers
Part 5.1	Important concepts
178	What is a CTP insurer licence?
In this Act:
CTP insurer licence, for a corporation, means a licence issued under section 184 (Decision on application) to carry on business as a CTP insurer.
179	Meaning of former licensed insurer and licensed insurer
In this Act:
former licensed insurer means an entity that was, at any time, a licensed insurer but is no longer a licensed insurer.
licensed insurer means a corporation that holds a CTP insurer licence.
180	Offence—unlicensed insurer issues CTP policy
	(1)	A person commits an offence if the person—
	(a)	issues a CTP policy; and
	(b)	is not a licensed insurer.
Maximum penalty:  100 penalty units.
Note	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).
	(2)	A person commits an offence if the person—
	(a)	purports to issue a CTP policy; and
	(b)	is not a licensed insurer.
Maximum penalty:  100 penalty units.
181	Unlicensed insurer liable for CTP policy
If a person who is not a licensed insurer issues a CTP policy, the CTP policy is not annulled or affected only because the person is not a licensed insurer.

Part 5.2	Application for CTP insurer licence
182	Licence—application
	(1)	A corporation may apply to the CTP regulator for a CTP insurer licence.
	(2)	The application must comply with the requirements prescribed by regulation.
	(3)	The CTP regulator may, in writing, ask the applicant to give the CTP regulator more information that the CTP regulator reasonably needs to decide the application, including the following:
	(a)	details of the shareholders, directors and other managers of the applicant;
	(b)	any previous returns and accounts under—
	(i)	the Corporations Act; and
	(ii)	the Insurance Act 1973 (Cwlth);
	(c)	details of reinsurance arrangements to which the applicant is a party;
Note	Reinsurance arrangements are further dealt with in s 218.
	(d)	a draft business plan.
Note	Business plans are dealt with in s 211.
	(4)	The CTP regulator need not decide whether the corporation is eligible for a CTP insurer licence if—
	(a)	the corporation’s application does not comply with any requirement prescribed by regulation; or
	(b)	the corporation does not give the CTP regulator information asked for under subsection (3).
Note 1	If a form is approved under s 276 for an application, the form must be used.
Note 2	A fee may be determined under the Road Transport (General) Act 1999, s 96, for this section.
Note 3	Giving false or misleading information is an offence against the Criminal Code, s 338.
183	Licence—eligibility
A corporation is eligible for a CTP insurer licence only if the corporation is—
	(a)	authorised under the Insurance Act 1973 (Cwlth) to carry on insurance business; and
	(b)	a party to the insurance industry deed.
184	Decision on licence application
	(1)	On an application by a corporation for a licence, the CTP regulator must—
	(a)	issue the licence; or
	(b)	refuse to issue the licence if the CTP regulator—
	(i)	is not satisfied that the applicant would properly exercise the functions of a licensed insurer if issued with a licence; or 
	(ii)	must not issue the licence under subsection (4).
Note	A decision to refuse to issue a licence is a reviewable decision (see Road Transport (General) Act 1999, pt 7 and Road Transport (General) Regulation 2000).
	(2)	In deciding whether the applicant would not, or would not be able to, properly exercise the functions of a licensed insurer if issued with a licence, the CTP regulator must consider the following:
	(a)	the paid-up share capital and reserves of the applicant; 
	(b)	the constitution of the applicant (if any);
	(c)	the reinsurance arrangements of the applicant;
	(d)	whether issuing the licence will contribute to the efficiency of the motor accidents scheme under this Act generally;
	(e)	anything else prescribed by regulation.
	(3)	The CTP regulator may consider anything else the CTP regulator considers appropriate for this Act.
	(4)	The CTP regulator must refuse to issue a licence if the applicant does not comply with a requirement prescribed by regulation.
	(5)	If the CTP regulator proposes to issue a licence to a corporation, the CTP regulator must, at least 14 days before the licence is issued, tell all licensed insurers the name of the corporation.
	(6)	Failure by the CTP regulator to comply with subsection (5) does not affect the validity of a corporation’s licence.
Note	Power given by a law to make a decision includes power to reverse or change the decision.  The power to reverse or change the decision is exercisable in the same way, and subject to the same conditions, as the power to make the decision (see Legislation Act, s 180).
185	Licence conditions
	(1)	It is a condition of a CTP insurer licence that the licensed insurer must comply with the following:
	(a)	section 38 (Licensed insurer to charge approved premium);
	(b)	the CTP premium guidelines;
Note	The CTP premium guidelines are made under s 39.
	(c)	section 40 (Licensed insurer to apply for approval of premiums);
	(d)	section 73 (What kinds of expenses must be paid by insurer?);
	(e)	section 122 (Respondent to pay injured person’s medical expenses);
	(f)	section 127 (Respondent to make rehabilitation services available);
	(g)	section 132 (Respondent to pay for rehabilitation services);
	(h)	the medical and rehabilitation guidelines;
Note	The medical and rehabilitation guidelines are made under s 135.
	(i)	section 212 (Licensed insurer to have business plan);
	(j)	section 213 (Licensed insurer to comply with business plan);
	(k)	section 214 (Licensed insurer to revise business plan);
	(l)	the CTP guidelines;
Note	The CTP guidelines are made under s 215.
	(m)	the business plan guidelines;
Note	The business plan guidelines are made under s 215.
	(n)	section 218 (1) (Reinsurance arrangements of licensed insurers);
	(o)	section 220 (Licensed insurer to provide investment details).
	(2)	A CTP insurer licence is also subject to any condition—
	(a)	prescribed by regulation; or
	(b)	decided by the CTP regulator.
Note 1	Power given by a law to make a decision includes power to reverse or change the decision.  The power to reverse or change the decision is exercisable in the same way, and subject to the same conditions, as the power to make the decision (see Legislation Act, s 180).
Note 2	If the CTP regulator is unable, under s 204 or s 205, to cancel a licence because the CTP regulator is not satisfied the insurer’s liabilities have been appropriately dealt with, the CTP regulator may, instead, impose a condition on the licence that prohibits the insurer from issuing any further CTP policies (see s 206).
	(3)	A condition under subsection (2) (b) must not be inconsistent with any condition prescribed by regulation that applies to the CTP insurer licence.
	(4)	The CTP regulator may amend a CTP insurer licence by—
	(a)	including a condition on the licence; or
	(b)	amending or revoking a condition included by the CTP regulator on the licence.
	(5)	If the CTP regulator amends a licensed insurer’s licence under subsection (4), the CTP regulator must tell the insurer about the amendment as soon as practicable, but not later than 30 days after the day the CTP regulator decides the amendment.
Note	A decision by the CTP regulator under s (2) (b) or (4) is a reviewable decision (see Road Transport (General) Act 1999, pt 7 and Road Transport (General) Regulation 2000).
	(6)	This section is subject to section 187 (Prohibited licence conditions).
186	Matters that may be regulated by licence conditions
	(1)	Without limiting section 185, the conditions to which a CTP insurer licence may be subject include the following conditions:
	(a)	a condition for ensuring compliance with the obligations of the licensed insurer; 
	(b)	a condition for ensuring that insurance CTP premiums for CTP policies are sufficient to meet motor accident claims; 
	(c)	a condition for requiring the licensed insurer to achieve early resolution of motor accident claims, and early payment for treatment of injured people, at particular levels; 
	(d)	a condition for ensuring general efficiency in relation to motor accident claims and payments; 
	(e)	a condition relating to the provision of information about motor accident claims and profits.
	(2)	A licensed insurer is taken not to have contravened a condition mentioned in subsection (1) (c) if the insurer establishes that—
	(a)	the insurer gave a report to the CTP regulator within a reasonable period after the condition is contravened; and
	(b)	the report sets out reasonable grounds for justifying the contravention.
	(3)	This section is subject to section 187.
187	Prohibited licence conditions
	(1)	A CTP insurer licence must not be subject to any of the following conditions:
	(a)	a condition that gives, or is likely to give, a competitive advantage to a licensed insurer over another licensed insurer;
	(b)	a condition that requires a licensed insurer to obtain a share of the insurance market.
	(2)	A condition mentioned in subsection (1) has no effect on a CTP licence.
188	Offence—contravening licence condition
	(1)	A person commits an offence if the person—
	(a)	is a licensed insurer; and
	(b)	contravenes a condition of the person’s CTP insurer licence.
Maximum penalty:  100 penalty units.
	(2)	This section does not apply to a condition mentioned in section 187.
Note 1	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).
Note 2	Contravention of a licence condition is also grounds for—
·	suspension of the CTP insurer licence (see s 194)
·	the CTP regulator to apply to the consumer and trader tribunal for the tribunal to take disciplinary action against the licensed insurer under the Consumer and Trader Tribunal Act 2003 (see this Act, pt 5.4).
However, if a licensed insurer is convicted of an offence under this section, the consumer and trader tribunal must not order the licensed insurer to pay an amount to the Territory or someone else in relation to the same act or omission (see s 202 (3)).
189	Contravention of licence condition does not affect CTP policy
If a person issues a CTP policy in contravention of a licence condition, the CTP policy is not annulled or affected only because the person is in contravention of the condition.
190	Offence—unlicensed insurer contravening licence condition
A person commits an offence if—
	(a)	the person is not a licensed insurer; and
	(b)	the person engages in conduct that would, if the person was a licensed insurer, contravene a condition of a CTP insurer licence; and
	(c)	the condition relates to a motor accident.
Maximum penalty:  100 penalty units.
Note	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).
191	Licence—length
A CTP insurer licence—
	(a)	takes effect on the day stated in the licence; and
	(b)	continues in force until it is cancelled.
192	Transfer of licences
	(1)	A licensed insurer (the old insurer) may, with the approval of the CTP regulator, transfer the insurer’s licence to—
	(a)	another licensed insurer (the new insurer); or
	(b)	a corporation to whom the CTP regulator proposes to issue a licence (the new insurer).
	(2)	The CTP regulator must not approve the transfer of a licence unless satisfied that the new insurer is able to meet the past, present and future liabilities of the old insurer—
	(a)	under any CTP policy for which the old insurer is the insurer; and
	(b)	to the nominal defendant fund; and
	(c)	to any other licensed insurer.

Part 5.3	Suspension of CTP insurer licence
193	Licence suspension notices
The CTP regulator may suspend a CTP insurer licence under section 194 or section 195 by giving the licensed insurer a written suspension notice stating—
	(a)	that the licence is suspended on and from the day stated in the notice; and
	(b)	the reasons for the suspension.
Note	Power given by a law to make a decision includes power to reverse or change the decision.  The power to reverse or change the decision is exercisable in the same way, and subject to the same conditions, as the power to make the decision (see Legislation Act, s 180).
194	Grounds for licence suspension—contraventions
	(1)	The CTP regulator may suspend a CTP insurer licence if the CTP regulator believes on reasonable grounds that the insurer has contravened—
	(a)	this Act; or
	(b)	the insurer’s CTP insurer licence; or
	(c)	the insurance industry deed.
Note	A reference to an Act includes a reference to the statutory instruments made or in force under the Act, including any regulation (see Legislation Act, s 104).
	(2)	However, if the CTP regulator is satisfied that the contravention could be remedied not later than 21 days after the day the contravention happened, the CTP regulator must not suspend the licence under this section until at least 21 days after the day the contravention happened.
Note 1	A decision to suspend a CTP insurer licence is a reviewable decision (see the Road Transport (General) Act 1999, pt 7 and the Road Transport (General) Regulation 2000).
Note 2	The grounds in s (1) are also grounds for the CTP regulator to apply to the consumer and trader tribunal for the tribunal to take disciplinary action against the licensed insurer under the Consumer and Trader Tribunal Act 2003 (see this Act, pt 5.4).
195	Grounds for licence suspension—grounds other than contraventions
The CTP regulator may suspend a licensed insurer’s CTP insurer licence if—
	(a)	the insurer is not authorised under the Insurance Act 1973 (Cwlth) to carry on insurance business; or
	(b)	any of the following is appointed over all or part of the assets, or undertaking, of the insurer:
	(i)	a provisional liquidator, liquidator or official liquidator;
	(ii)	a receiver, receiver and manager or official manager;
	(iii)	a trustee; or
	(c)	the insurer is given a direction under the Insurance Act 1973 (Cwlth), section 51 (Inquiry by APRA and directions relating to certain assets) or section 62 (Directions); or
	(d)	an inspector is appointed to investigate the affairs of the insurer under the Insurance Act 1973 (Cwlth), part V (Investigations); or
	(e)	the CTP regulator receives a report under section 224 (Audit of accounting records and compliance with guidelines) and believes on reasonable grounds that the insurer is, or is likely to become, unable to meet its liabilities under this Act or under CTP policies issued by the insurer; or
	(f)	the insurer defaults in the payment of principal or interest of more than $100 000 under any debenture, or series of debentures, issued by the insurer, unless the default occurs because the insurer genuinely disputes its liability to make the payment; or
	(g)	the insurer enters into, or resolves to enter into any of the following, other than for a reconstruction or amalgamation on terms that have been approved by the CTP regulator:
	(i)	an arrangement, composition or compromise with its creditors;
	(ii)	a transfer for the benefit of its creditors; or
	(h)	a proceeding is commenced to sanction an arrangement, composition, compromise or transfer mentioned in paragraph (g), other than for a reconstruction or amalgamation on terms that have been approved by the CTP regulator; or
	(i)	an application (other than a frivolous or vexatious application) or order is made for the winding up or dissolution of the insurer, other than for a reconstruction or amalgamation on terms that have been approved by the CTP regulator; or
	(j)	a resolution is passed for the winding up or dissolution of the insurer, other than for a reconstruction or amalgamation on terms that have been approved by the CTP regulator; or
	(k)	there is a change in the effective control of the insurer; or
	(l)	the insurer becomes a subsidiary of a corporation of which it was not a subsidiary when the licence was issued; or
	(m)	the CTP regulator believes on reasonable grounds that the insurer has failed to comply with a condition imposed on the insurer’s authority to carry on insurance business under the Insurance Act 1973 (Cwlth); or
	(n)	a person claiming to be a creditor of the insurer gives the insurer a demand requiring the insurer to pay an amount of more than $100 000, and the insurer fails to pay the amount, or secure or compound for it to the satisfaction of the person, within 3 weeks after the day the demand is given; or
	(o)	an execution or other process issued on a judgment, decree or order of a court in favour of a creditor of the insurer is returned unsatisfied, completely or partly, and the amount unsatisfied is more than $100,000; or
	(p)	the insurer agrees to the suspension.
Note 1	A decision to suspend a CTP insurer licence is a reviewable decision (see Road Transport (General) Act 1999, pt 7 and Road Transport (General) Regulation 2000).
Note 2	A licensed insurer, or former licensed insurer, commits an offence if any of the events or things mentioned in this section, other than paragraph (e), paragraph (m) or paragraph (p), happens and the person does not tell the CTP regulator about it (see s 234).
196	Ending licence suspension
	(1)	The CTP regulator may, by written notice given to a licensed insurer, end the suspension of the insurer’s CTP insurer’s licence.
	(2)	The CTP regulator may end the suspension of a CTP insurer’s licence only if the regulator believes on reasonable grounds that the licensed insurer is able to comply with the requirements that would be imposed on the insurer if it were issued with a licence for the first time.
197	Offence—issuing CTP policy if licence suspended
A person commits an offence if—
	(a)	the person is a licensed insurer; and
	(b)	the person’s CTP insurer licence is suspended; and
	(c)	the person issues a CTP policy.
Maximum penalty:  100 penalty units
Note	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).

Part 5.4	Disciplinary action
198	Meaning of licensed insurer—pt 5.4
In this part:
licensed insurer includes a former licensed insurer.
199	CTP regulator may choose disciplinary action instead of prosecution
In regulating the operation of licensed insurers, the CTP regulator may, but need not, choose to apply to the consumer and trader tribunal for the tribunal to take disciplinary action against licensed insurers rather than pursuing a prosecution under this Act if the CTP insurer believes on reasonable grounds it would be in the public interest to do so.
Note	The CTP regulator may apply to the consumer and trader tribunal under s 201.
200	What are the grounds for disciplinary action?
	(1)	Each of the following is a ground for disciplinary action in relation to a licensed insurer:
	(a)	the licensed insurer has contravened this Act;
	(b)	the licensed insurer has contravened a condition of the insurer’s CTP insurer licence;
	(c)	the licensed insurer has contravened the insurance industry deed;
	(d)	the licensed insurer has contravened, or is contravening, an order of the consumer and trader tribunal;
	(e)	the licensed insurer’s licence was obtained by fraud or mistake;
	(f)	another ground prescribed by regulation.
Note	A reference to an Act includes a reference to the statutory instruments made or in force under the Act, including any regulation (see Legislation Act, s 104).
	(2)	However, subsection (1) (a), (b) and (c) apply to a former licensed insurer only in relation to anything that happened while the person was licensed.
Note	The grounds in s (1) (a), (b) and (c) are also the grounds for licence suspension under s 194.
201	CTP regulator may refer matter to tribunal
	(1)	This section applies if the CTP regulator believes on reasonable grounds that a ground for disciplinary action exists in relation to a licensed insurer.
	(2)	The CTP regulator may apply to the consumer and trader tribunal for the tribunal to take disciplinary action against the licensed insurer.
Note	An Act may provide for an application to be made to the consumer and trader tribunal for disciplinary action to be taken against a person (see Consumer and Trader Tribunal Act 2003, s 15).
202	Disciplinary action tribunal may take
	(1)	On application by the CTP regulator, the consumer and trader tribunal may take disciplinary action against the licensed insurer that the consumer and trader tribunal may take under the Consumer and Trader Tribunal Act 2003.
Examples—disciplinary action consumer and trader tribunal may take under Consumer and Trader Tribunal Act 2003
1	reprimand the person (see s 46 (1) (b))
2	order the person to give a written undertaking (see s 46 (1) (c))
3	direct the CTP regulator to place a condition on the person’s licence, or to remove or amend a condition on the person’s licence (see s 46 (1) (d))
4	give the person a direction (see s 46 (1) (e))
Note	An example is part of the Act, is not exhaustive and may extend, but does not limit, the meaning of the provision in which it appears (see Legislation Act, s 126 and s 132).
	(2)	However, in taking disciplinary action against a licensed insurer under the Consumer and Trader Tribunal Act 2003—
	(a)	a reference to the commissioner is taken to be a reference to the CTP regulator; and
	(b)	the reference in section 46 (1) (a) (Other disciplinary action) to—
	(i)	$1 000 is taken to be a reference to $10 000; and
	(ii)	$5 000 is taken to be a reference to $50 000.
	(3)	Also, if a licensed insurer is convicted of an offence under section 188 (Offence—contravening licence condition) in relation to an act or omission, the consumer and trader tribunal must not order the licensed insurer to pay an amount to the Territory or someone else under the Consumer and Trader Tribunal Act 2003, section 46 (1) (a) in relation to the same act or omission.
	(4)	If the consumer and trader tribunal orders a licensed insurer to pay a penalty, the penalty must be paid into the nominal defendant fund.

Part 5.5	Cancellation of CTP insurer licences
203	Licence cancellation notices
	(1)	The CTP regulator may cancel a licensed insurer’s CTP insurer licence under section 204 or section 205 by giving a written notice to the insurer stating—
	(a)	that the licence is cancelled on the day stated in the notice; and
	(b)	the reasons for the cancellation.
	(2)	The day stated in the notice must not be a day earlier than the day the licensed insurer receives the notice.
Note 1	Power given by a law to make a decision includes power to reverse or change the decision.  The power to reverse or change the decision is exercisable in the same way, and subject to the same conditions, as the power to make the decision (see Legislation Act, s 180).
Note 2	A decision to cancel a CTP insurer licence is a reviewable decision (see Road Transport (General) Act 1999, pt 7 and Road Transport (General) Regulation 2000).
204	Grounds for licence cancellation
	(1)	The CTP regulator may cancel a licensed insurer’s CTP insurer licence for any reason the CTP regulator considers appropriate.
	(2)	Without limiting subsection (1), the CTP regulator may cancel a licence for reasons relating to the motor accidents scheme under this Act generally, whether or not the reasons relate to the efficiency and conduct of the licensed insurer.
	(3)	Before cancelling a licensed insurer’s CTP insurer licence, the CTP regulator must give the licensed insurer an opportunity to make written submissions about the reasons for the cancellation.
	(4)	This section is subject to section 206 (Insurer’s liabilities to be met before licence cancelled).
205	Licence cancellation after surrender
	(1)	If a licensed insurer surrenders the insurer’s CTP insurer licence to the CTP regulator, the CTP regulator may cancel the licence only if the CTP regulator approves the surrender.
	(2)	This section is subject to section 206 (Insurer’s liabilities to be met before licence cancelled).
206	Insurer’s liabilities to be met before licence cancelled
	(1)	The CTP regulator may cancel a CTP insurer licence under section 204 or section 205 only if satisfied that the licensed insurer has—
	(a)	discharged all of its past, present and future liabilities—
	(i)	under any CTP policy for which it is the insurer; and
	(ii)	to the nominal defendant fund; and
	(iii)	to any other licensed insurer; or
	(b)	provided security, or entered into other arrangements satisfactory to the CTP regulator, for the liabilities.
	(2)	If the CTP regulator is unable, under subsection (1), to cancel a licensed insurer’s CTP insurer licence, the CTP regulator may, instead, impose a condition on the licence that prohibits the insurer from issuing any further CTP policies.
Note	It is an offence to contravene a licence condition (see s 188).

Part 5.6	Transfer of CTP policies to other insurers
207	Policy transfer notices
The CTP regulator may transfer an insurer’s CTP policies to another insurer under section 208 by giving a written transfer notice to both insurers stating—
	(a)	the CTP policies that are to be transferred; and
	(b)	the day when the transfer happens.
Note 1	Power given by a law to make a decision includes power to reverse or change the decision.  The power to reverse or change the decision is exercisable in the same way, and subject to the same conditions, as the power to make the decision (see Legislation Act, s 180).
Note 2	A decision to transfer a CTP insurer licence is a reviewable decision (see Road Transport (General) Act 1999, pt 7 and Road Transport (General) Regulation 2000).
208	Transfer of policies to other insurers
	(1)	The CTP regulator may transfer an insurer’s CTP policies to a licensed insurer if—
	(a)	the insurer’s CTP insurer licence is cancelled or otherwise ceases to be in force; or
	(b)	the CTP regulator is satisfied that it is necessary to do so to ensure compliance with a condition of the licence.
	(2)	In this section:
insurer means a licensed insurer, and includes a person whose CTP insurer licence has been cancelled or has otherwise ceased to be in force.
209	Effect of transfer of policies
	(1)	If a CTP policy (the original policy) is transferred from an insurer (the old insurer) to a licensed insurer (the new insurer) under section 208—
	(a)	the original policy is cancelled; and
	(b)	the new insurer is taken to have issued a CTP policy—
	(i)	on the day of the transfer; and
	(ii)	on the same terms as the original policy; and
	(iii)	for the balance of the period of the original policy; and
	(c)	the old insurer must pay to the new insurer—
	(i)	the same proportion of the CTP premium paid, or to be paid, for the original policy as the balance of the indemnity period of the policy bears to the whole indemnity period of the policy; and
	(ii)	an additional amount decided by the CTP regulator for the income from investment and the management fee for the CTP premium.
	(2)	The new insurer may recover an amount payable under subsection (1) (c) as a debt from the old insurer.
	(3)	Cancellation of a CTP policy under this section ends the indemnity period of the policy but, subject to this section, does not affect any right, obligation or liability acquired, accrued or incurred under the policy during the indemnity period.
210	CTP insurer licence register
	(1)	The CTP regulator must keep a register of—
	(a)	the name of each corporation that is—
	(i)	issued with a CTP insurer licence; or
	(ii)	refused a CTP insurer licence; and
	(b)	for each CTP insurer licence issued by the CTP regulator, the following details:
	(i)	any condition imposed on the licence;
	(ii)	any suspension of the licence;
	(iii)	any cancellation of the licence;
	(iv)	any transfer of the licence;
	(c)	anything else prescribed by regulation.
	(2)	The CTP regulator may keep any other details in the register that the CTP regulator considers appropriate.

Part 5.7	Supervision of licensed insurers
211	What is a business plan?
In this Act:
business plan, for a licensed insurer—
	(a)	means a plan describing how the licensed insurer’s CTP insurance business must be carried out; and
Note	CTP insurance business, for a licensed insurer, means any business associated with CTP policies (see s 11).
	(b)	must include a description of how the following things must be carried out:
	(i)	motor accident claims handling;
	(ii)	management;
	(iii)	expenses;
	(iv)	systems for processing and transmitting information.
212	Licensed insurer to have business plan
	(1)	A licensed insurer must have a business plan for the insurer’s CTP insurance business.
Note	CTP insurance business, for a licensed insurer, means any business associated with CTP policies (see s 11).
	(2)	The business plan must comply with the business plan guidelines.
Note	The CTP regulator may make business plan guidelines under s 215.
	(3)	If the CTP regulator asks a licensed insurer for the business plan, the licensed insurer must give the CTP regulator a copy of the business plan as soon as practicable.
Note	A CTP insurer licence is subject to the condition that the licensed insurer must comply with this section (see s 185).
213	Licensed insurer to comply with business plan
	(1)	A licensed insurer must carry out the insurer’s CTP insurance business in accordance with the insurer’s business plan.
	(2)	If a licensed insurer carries out the insurer’s CTP insurance business in a way that departs significantly from the business plan, the insurer must tell the CTP regulator.
Note	A CTP insurer licence is subject to the condition that the licensed insurer must comply with this section (see s 185).
214	Licensed insurer to revise business plan
A licensed insurer must revise the insurer’s business plan—
	(a)	at least once each year; and
	(b)	if the licensed insurer’s CTP insurance business departs significantly from the business plan; and
	(c)	if the CTP regulator directs the insurer to revise the business plan.
Note	A CTP insurer licence is subject to the condition that the licensed insurer must comply with this section (see s 185).
215	CTP guidelines
	(1)	The CTP regulator may make CTP guidelines.
Note	Power to make a statutory instrument includes power to amend or repeal the instrument.  The power to amend or repeal the instrument is exercisable in the same way, and subject to the same conditions, as the power to make the instrument (see Legislation Act, s 46).
	(2)	However, the CTP regulator must consult each licensed insurer before making a CTP guideline.
Note	A CTP insurer licence is subject to the condition that the licensed insurer must comply with the CTP guidelines (see s 185).
	(3)	The CTP guidelines may make provision for the following:
	(a)	issue of CTP policies;
	(b)	business plans (the business plan guidelines) for licensed insurers.
	(4)	A CTP guideline is a disallowable instrument.
Note	A disallowable instrument must be notified, and presented to the Legislative Assembly, under the Legislation Act.
216	What is a licensed insurer’s market share?
In this part:
market share, of a licensed insurer, means, at any particular time, the proportion worked out under section 217 by the CTP regulator for the insurer and applicable at the time.
217	Working out market share of each licensed insurer
	(1)	A licensed insurer must, not later than the due date for each quarter and each financial year, tell the CTP regulator the amount of insurance CTP premiums received by the insurer for all CTP policies issued by the licensed insurer during the quarter or year.
	(2)	The CTP regulator must, after notifications have been received from all licensed insurers for a quarter or year, decide, for each licensed insurer, the proportion that the CTP premiums received by the licensed insurer for the quarter or year bears to the total amount of CTP premiums received by all licensed insurers for the quarter or year.
	(3)	The CTP regulator may round a market share worked out under this section to .01%.
	(4)	After working out the market share for each licensed insurer for each quarter and financial year, the CTP regulator must tell all licensed insurers about each licensed insurer’s market share for the quarter or financial year.
	(5)	In this section:
due date means—
	(a)	for each quarter—the day, after the end of the quarter, decided by the CTP regulator and notified in writing to the licensed insurer; or
	(b)	for each financial year—the day, after the end of the financial year, decided by the CTP regulator and notified in writing to the licensed insurer.
218	Reinsurance arrangements of licensed insurers
A licensed insurer must tell the CTP regulator—
	(a)	details of arrangements made, or proposed to be made, for reinsurance for liabilities under CTP policies issued by the licensed insurer; and
	(b)	the terms of any approval of APRA under the Insurance Act 1973 (Cwlth) for the reinsurance.
Note	A CTP insurer licence is subject to the condition that the licensed insurer must comply with this s (see s 185).
219	What are third-party funds?
In this part:
third-party funds, of a licensed insurer, means—
	(a)	the funds of the insurer derived from the payment of CTP premiums for CTP policies; and
	(b)	from the investment of the funds.
220	Licensed insurer to provide investment details
If the CTP regulator asks a licensed insurer to give the CTP regulator details of how the insurer’s third-party funds, and other funds, are invested, the licensed insurer must comply with the request.
Note	A CTP insurer licence is subject to the condition that the licensed insurer must comply with this section (see s 185).
221	Offence—licensed insurer to keep accounts
	(1)	A licensed insurer commits an offence if the insurer does not keep the following accounting and other records for the business or financial position of the insurer:
	(a)	the records prescribed by regulation;
	(b)	the records that the insurer is directed, in writing by the CTP regulator, to keep.
Maximum penalty:  100 penalty units.
Note	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).
	(2)	In this section:
accounting records include the following:
	(a)	invoices;
	(b)	receipts;
	(c)	orders for the payment of amounts;
	(d)	bills of exchange;
	(e)	cheques;
	(f)	promissory notes;
	(g)	vouchers and other prime entry documents;
	(h)	the working papers and other documents that are necessary to explain the methods and calculations by which accounts are made up.
222	Offence—licensed insurer to provide returns
	(1)	A licensed insurer commits an offence if the licensed insurer does not give the CTP regulator the following returns for the business or financial position of the insurer:
	(a)	the returns prescribed by regulation;
	(b)	if the CTP regulator directs the insurer, in writing, to give a return—the returns that the insurer is directed to give.
Maximum penalty:  100 penalty units.
Note	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).
	(2)	A licensed insurer commits an offence if the licensed insurer does not give the returns mentioned in subsection (1) in the way—
	(a)	prescribed by regulation; or
	(b)	if the CTP regulator directs the insurer, in writing, to give the returns in a stated way—that the CTP regulator directs.
Maximum penalty:  100 penalty units.
Note	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).
	(3)	A licensed insurer commits an offence if the licensed insurer does not include in the returns mentioned in subsection (1) the details—
	(a)	prescribed by regulation; and
	(b)	if the CTP regulator directs the insurer, in writing, to include stated details—that the CTP regulator directs.
Maximum penalty:  100 penalty units.
Note	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).
	(4)	A licensed insurer commits an offence if the licensed insurer, when giving the returns mentioned in subsection (1), does not also give the CTP regulator the documents—
	(a)	prescribed by regulation; or
	(b)	if the CTP regulator directs the insurer, in writing, to give stated documents—that the CTP regulator directs.
Maximum penalty:  100 penalty units.
Note	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).
	(5)	A licensed insurer commits an offence if the licensed insurer does not give the returns mentioned in subsection (1) to the CTP regulator—
	(a)	not later than 6 weeks after the end of each quarter; or
	(b)	if the CTP regulator directs, in writing, the licensed insurer to give the returns at another stated time—not later than the stated time.
Maximum penalty:  100 penalty units.
Note	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).
223	CTP regulator may publish returns
The CTP regulator may make publicly available a copy of any return, and any document accompanying a return, given to the CTP regulator under section 222.
224	Audit of accounting records and compliance with guidelines
	(1)	The CTP regulator may appoint an appropriately qualified person (an appointed auditor) to audit or inspect, and report to the CTP regulator on—
	(a)	the accounting records of a licensed insurer; or
	(b)	other records relating to the business or financial position of a licensed insurer; or
	(c)	the licensed insurer’s compliance with each of the following:
	(i)	the CTP premium guidelines;
	(ii)	the medical and rehabilitation guidelines;
	(iii)	the business plan guidelines;
	(iv)	the CTP guidelines;
	(v)	any other guidelines made under this Act.
	(2)	An appointed auditor is, in exercising a function under this section, entitled to inspect the accounting and other records of the licensed insurer.
	(3)	An appointed auditor exercising a function under this section has qualified privilege in a proceeding for defamation for any statement that the appointed auditor makes orally or in writing in the course of exercising the function.
	(4)	In this section:
accounting records, of a licensed insurer, include the following:
	(a)	invoices;
	(b)	receipts;
	(c)	orders for the payment of amounts;
	(d)	bills of exchange;
	(e)	cheques;
	(f)	promissory notes;
	(g)	vouchers and other prime entry documents;
	(h)	records relating to how a licensed insurer’s third-party funds and other funds are invested;
	(i)	the working papers and other documents that are necessary to explain the methods and calculations by which accounts are made up.
225	Offence—licensed insurer to assist appointed auditor
A licensed insurer commits an offence if—
	(a)	an appointed auditor is exercising a function under section 224 in relation to the licensed insurer; and
	(b)	the licensed insurer does not provide all reasonable assistance requested by the auditor to allow the exercise of the function.
Maximum penalty:  100 penalty units.
Note	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).
226	Audit of licensed insurer’s profitability
	(1)	The CTP regulator may carry out an audit to work out the profitability of a licensed insurer and, in carrying out the audit, may exercise a function of an appointed auditor.
	(2)	The CTP regulator must report on the audit, on a confidential basis, to APRA.
227	CTP regulator may ask for information etc
	(1)	The CTP regulator may ask a licensed insurer to give the CTP regulator stated information about the business and financial position of—
	(a)	the licensed insurer; or
	(b)	a corporation that is a related body corporate of the licensed insurer.
Note	Licensed insurer includes a former licensed insurer (see s (5)).
	(2)	The CTP regulator may ask a licensed insurer to give the CTP regulator a stated document kept by—
	(a)	the licensed insurer; or
	(b)	a corporation that is a related body corporate of the licensed insurer.
	(3)	The CTP regulator may ask a licensed insurer to make available for inspection by the CTP regulator a stated document kept by—
	(a)	the licensed insurer; or
	(b)	a corporation that is a related body corporate of the licensed insurer.
	(4)	To avoid any doubt, this section does not limit—
	(a)	any other provision of this Act about the CTP regulator obtaining information; or
	(b)	how the CTP regulator may obtain information.
	(5)	In this section:
document includes—
	(a)	a return or account given under—
	(i)	the Corporations Act; and
	(ii)	the Insurance Act 1973 (Cwlth); and
	(b)	a copy of, or extract from, a document.
information, about the business and financial position of an entity, includes—
	(a)	financial information that is, or may be, relevant to the consideration by the CTP regulator of CTP premiums charged by the licensed insurer under this Act; and
	(b)	information about—
	(i)	the cost of motor accident claims handling incurred by the licensed insurer; and
	(ii)	the settlement of motor accident claims by the licensed insurer; and
	(c)	information about any other matter in relation to the licensed insurer.
licensed insurer includes a former licensed insurer.
228	How CTP regulator is to ask
	(1)	A request by the CTP regulator under section 227 must—
	(a)	be made in writing and given to the licensed insurer or former licensed insurer; and
	(b)	state how the request must be complied with; and
	(c)	state when the request must be complied with.
	(2)	A statement of how the request must be complied with may include a requirement that the licensed insurer, or former licensed insurer, give the CTP regulator a certificate of correctness.
	(3)	In this section:
certificate of correctness, for stated information or a stated document (or a copy of or extract from a stated document), means a certificate certifying the correctness of the information, document, copy or extract by any of the following:
	(a)	a registered tax agent;
	(b)	a registered company auditor;
	(c)	an actuary approved by the CTP regulator.
registered company auditor—see the Corporations Act, section 9.
229	Offence—insurer to give information and documents
	(1)	A licensed insurer commits an offence if—
	(a)	the CTP regulator makes a request of a licensed insurer, or a former licensed insurer, under section 227; and
	(b)	the CTP regulator makes the request in the way mentioned in section 228; and
	(c)	the insurer does not comply with the request.
Maximum penalty:  100 penalty units.
Note	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).
	(2)	It is a defence to a prosecution for an offence against this section if the defendant proves that it was not in the defendant’s power to comply with the requirement.
230	Reports about insurers
	(1)	The CTP regulator may give the Minister reports about—
	(a)	the level of compliance by insurers with—
	(i)	the requirements of this Act; and
	(ii)	any conditions of licences under this Act (including any guidelines under this Act); and
	(b)	complaints made about insurers that relate to any matter to which this Act relates; and
	(c)	anything else about insurers that relates to any matter to which this Act relates.
	(2)	A report may relate to—
	(a)	insurers generally; or
	(b)	a class of insurers; or
	(c)	a particular insurer.
	(3)	A report may identify a particular insurer.
	(4)	A report may include the observations and recommendations the CTP regulator considers appropriate.
	(5)	The Minister may make a report public.
231	CTP regulator may apply for policy holder protection order
	(1)	The CTP regulator may apply to the Supreme Court for an order (a policy holder protection order) to protect the interests of the holders of CTP policies issued by a licensed insurer or a former licensed insurer.
	(2)	If the CTP regulator intends to apply for a policy holder protection order, the CTP regulator must give the following entities notice of its intention:
	(a)	APRA;
	(b)	ASIC.
	(3)	Each of the following entities has a right to appear, and be heard, in a proceeding for a policy holder protection order:
	(a)	APRA;
	(b)	ASIC.
	(4)	Before considering an application for a policy holder protection order, the Supreme Court may, if in its opinion it is desirable to do so, make an interim policy holder protection order that is expressed to have effect until the application is decided.
	(5)	If the Supreme Court makes an interim policy holder protection order, the court may not require the CTP regulator to give an undertaking as to damages as a condition of making the order.
232	Court orders to protect policy holders
	(1)	The Supreme Court may, on the application of the CTP regulator, make any order the Supreme Court considers necessary or desirable to protect the interests of the holders of CTP policies issued by a licensed insurer.
Note	Licensed insurer includes a former licensed insurer (see s (6)).
	(2)	However, the court may make an order for a licensed insurer only if—
	(a)	satisfied that the licensed insurer—
	(i)	is not, or may not be, able to meet the insurer’s liabilities under the CTP policies; or
	(ii)	has acted, or may act, in a way that is prejudicial to the interests of the holders of the CTP policies; and
	(b)	the licensed insurer is not a corporation that is in the course of being wound up.
	(3)	Without limiting subsection (1), the Court may make the following orders:
	(a)	an order regulating the administration and payment of motor accident claims under the CTP policies;
	(b)	an order prohibiting or regulating the transfer or disposal of, or other dealing in, the assets of the licensed insurer;
	(c)	an order requiring the licensed insurer to discharge its liabilities under the CTP policies out of its assets and the assets of any related body corporate;
	(d)	an order appointing a receiver or receiver and manager, having the powers that the Court orders, of the property or part of the property of the licensed insurer or of any related body corporate.
	(4)	If the Supreme Court makes an order under this section, the court may, on application by the CTP regulator or anyone else affected by the order, make another order revoking or amending the order.
	(5)	To avoid any doubt, the powers of the Supreme Court under this section are in addition to any other powers of the Supreme Court.
	(6)	In this section:
licensed insurer includes a former licensed insurer.
233	Offence—contravene court order
A person commits an offence if—
	(a)	a court order under section 232 is in force for the person; and
	(b)	the person contravenes the order.
Maximum penalty:  20 penalty units, imprisonment for 6 months or both.
Note	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).
234	Offence—insurer to tell CTP regulator about grounds for suspension
A person commits an offence if—
	(a)	the person is a licensed insurer or a former licensed insurer; and
	(b)	an event or thing mentioned in section 195 (Grounds for suspension—other grounds) happens, other than an event or thing mentioned in section 195 (e), (m) or (p); and
	(c)	the person does not tell the CTP regulator about the event or thing, in writing, within 21 days after the event or thing happens.
Maximum penalty:  100 penalty units.
Note	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).
235	Offence—insurer to tell CTP regulator of decrease in issued capital
A person commits an offence if—
	(a)	the person is a licensed insurer; and
	(b)	there is, or is to be, a decrease in the issued capital of the insurer; and
	(c)	the person does not tell the CTP regulator about the decrease or proposed decrease, in writing, within 21 days after the decrease or proposal.
Maximum penalty:  100 penalty units.
Note	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).
236	Offence—insurer to tell CTP regulator of bidder’s statement or target’s statement
	(1)	A person commits an offence if the person—
	(a)	is a licensed insurer; and
	(b)	receives a bidder’s statement or target’s statement; and
	(c)	does not tell the CTP regulator about the statement, in writing, within 21 days after the licensed insurer receives the statement.
Maximum penalty:  100 penalty units.
Note	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).
	(2)	In this section:
bidder’s statement—see the Corporations Act, section 9.
target’s statement—see the Corporations Act, section 9.
237	Only CTP regulator may issue proceeding against licensed insurer
A proceeding against a licensed insurer for failure to comply with the terms of the insurer’s licence, or this Act, may only be issued by the CTP regulator.

Part 5.8	Insolvent insurers
238	Definitions—pt 5.8
In this part:
CTP policy issued by an insolvent insurer means—
	(a)	a CTP policy issued by an insolvent insurer, whether before or after the insurer became an insolvent insurer; or
	(b)	a CTP policy, issued by a person other than an insolvent insurer, for which an insolvent insurer has (whether before or after becoming an insolvent insurer) entered into a contract or an arrangement under which the insolvent insurer is (or would be but for its dissolution) liable to indemnify the person against the person’s liability under the policy.
insolvent insurer means a licensed insurer, or former licensed insurer, for which an insolvent insurer declaration is in force.
insolvent insurer declaration—see section 240.
liquidator includes a provisional liquidator.
239	Liquidators
	(1)	In this part, a reference to a liquidator or provisional liquidator includes a reference to a liquidator or provisional liquidator appointed outside the ACT.
	(2)	The liquidator of an insolvent insurer may exercise its functions inside and outside the ACT.
240	Insolvent insurer declarations
	(1)	The Minister may declare (an insolvent insurer declaration) a licensed insurer, or former licensed insurer, to be an insolvent insurer if—
	(a)	the Minister is satisfied that—
	(i)	a liquidator or provisional liquidator has been appointed for the licensed insurer or former licensed insurer; or
	(ii)	the licensed insurer, or former licensed insurer, has been dissolved; and
	(b)	the Minister has consulted—
	(i)	APRA; and
	(ii)	ASIC; and
	(c)	the Treasurer approves the making of the declaration.
	(2)	An insolvent insurer declaration is a notifiable instrument.
Note 	A notifiable instrument must be notified under the Legislation Act.
241	Nominal defendant is insurer if CTP insurer insolvent
	(1)	If a CTP insurer for a CTP policy becomes an insolvent insurer, the nominal defendant becomes the insurer for the policy.
	(2)	However, subsection (1) does not apply to a CTP policy that is transferred to a licensed insurer (other than an insolvent insurer).
Note	Transfer of CTP policies is dealt with in pt 5.6.
242	Nominal defendant may recover from insolvent insurer
	(1)	If a CTP insurer becomes an insolvent insurer, any costs reasonably incurred by the nominal defendant for motor accident claims under a CTP policy for which the insolvent insurer was the insurer become debts of the insolvent insurer to the nominal defendant and provable in the insolvency.
	(2)	The costs that become the debts of the insolvent insurer under subsection (1) have the same order of priority in the winding‑up of the insolvent insurer as they would if the nominal defendant were the CTP insured person under the CTP policy.
	(3)	If the motor accident claim for which costs were incurred by the nominal defendant is covered by a contract of reinsurance, the nominal defendant succeeds to the rights of the insolvent insurer under the contract of reinsurance.
Note	An amount recovered under this section must be paid into the nominal defendant fund (see s 66).
243	Offence—liquidator to give motor accident claims to nominal defendant
The liquidator of an insolvent insurer commits an offence if the liquidator—
	(a)	receives a motor accident claim about a CTP policy issued by the insolvent insurer; and
	(b)	does not give the motor accident claim to the nominal defendant.
Maximum penalty:  20 penalty units.
Note	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).
244	Offence—liquidator to give information etc to nominal defendant
	(1)	The liquidator of an insolvent insurer commits an offence if—
	(a)	the nominal defendant asks the liquidator in writing to give the nominal defendant all documents, or information, in the liquidator’s possession relating to CTP policies issued by the insolvent insurer, or motor accident claims, or judgments, made in relation to the CTP policies; and
	(b)	the liquidator does not give the documents or information to the nominal defendant within 45 days after the day the nominal defendant asks for them.
Maximum penalty:  20 penalty units.
Note	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).
	(2)	Subsection (1) does not apply to a liquidator if—
	(a)	before the end of the 45-day period, the liquidator—
	(i)	tells the nominal defendant in writing that it is not reasonably practicable to give the nominal defendant the documents or information within the period; and
	(ii)	explains why it is not reasonably practicable; and
	(b)	the nominal defendant extends the time for providing the documents or information; and
	(c)	the liquidator provides the documents or information to the nominal defendant within the extended time.
	(3)	A regulation may prescribe other circumstances when subsection (1) does not apply to a liquidator.
245	Offence—liquidator to allow inspection of documents
	(1)	The liquidator of an insolvent insurer commits an offence if—
	(a)	a person authorised by the Minister asks the liquidator to make available for inspection by the person all documents in the liquidator’s possession relating to—
	(i)	CTP policies issued by the insolvent insurer; or
	(ii)	motor accident claims or judgments made in relation to the CTP policies; and
	(b)	the liquidator does not make the documents available to the person within 45 days after the day the person asks for them.
Maximum penalty:  20 penalty units.
Note	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).
	(2)	Subsection (1) does not apply to a liquidator if—
	(a)	before the end of the 45-day period, the liquidator—
	(i)	in writing, tells the person authorised that it is not reasonably practicable to give the person the documents within the period; and
	(ii)	explains why it is not reasonably practicable; and
	(b)	the person extends the time for providing the documents; and
	(c)	the liquidator makes the documents available to the person within the extended time.
	(3)	A regulation may prescribe other circumstances when subsection (1) does not apply to a liquidator.
246	Borrowing for nominal defendant fund
The nominal defendant may borrow the amounts that the nominal defendant considers necessary to satisfy motor accident claims and judgments for CTP policies issued by an insolvent insurer if the nominal defendant would not otherwise be able to satisfy the claims and judgments from the nominal defendant fund.
247	Nominal defendant may intervene in legal proceeding
	(1)	This section applies if—
	(a)	the liquidator of an insolvent insurer applies to a court for directions for a matter arising under the winding-up; or
	(b)	the exercise, by the liquidator of an insolvent insurer, of any of the liquidator’s functions, whether under this part or not, is challenged, reviewed or called into question in a proceeding before a court; or
	(c)	another matter that may affect the operation of this part is raised in a proceeding before a court.
	(2)	The nominal defendant may intervene at any stage of the proceeding.
	(3)	If the nominal defendant intervenes, the nominal defendant becomes a party to the proceeding and has all the rights of a party to the proceeding including the right to appeal against any order, judgment or direction of the court.
	(4)	The nominal defendant is entitled to be paid, out of the nominal defendant fund, all the costs and expenses incurred by the nominal defendant in exercising a function under this section.
248	Nominal defendant may take legal proceeding
	(1)	This section applies to a proceeding if—
	(a)	the nominal defendant may take the proceeding for a person who is entitled (or who would be entitled but for the dissolution of the insolvent insurer), under a CTP policy issued by an insolvent insurer, to be indemnified against a motor accident claim or judgment arising from or relating to the CTP policy; and
	(b)	the proceeding is for, or for enforcing or securing compliance with, any provision under this part or another Act.
	(2)	The nominal defendant is taken to represent sufficiently the interests of the public and may take the proceeding in its own name.
	(3)	The nominal defendant is entitled to be paid, out of the nominal defendant fund, all the costs and expenses incurred by the nominal defendant in exercising the nominal defendant’s functions under this section.

Chapter 6	Enforcement
Part 6.1	Enforcement—general
249	Definitions—ch 6
In this chapter:
authorised person—see the Road Transport (General) Act 1999, dictionary.
connected—a thing is connected with an offence if—
	(a)	the offence has been committed in relation to it; or
	(b)	it will provide evidence of the commission of the offence; or
	(c)	it was used, is being used, or is intended to be used, to commit the offence.
occupier, of premises, includes—
	(a)	a person believed on reasonable grounds to be an occupier of the premises; and
	(b)	a person apparently in charge of the premises.
offence includes an offence that there are reasonable grounds for believing has been, is being, or will be, committed.

Part 6.2	Powers of authorised people
250	Power to enter premises
	(1)	For this Act, an authorised person may—
	(a)	at any reasonable time, enter premises that the public is entitled to use or that are open to the public (whether or not on payment of money); or
	(b)	at any time, enter premises with the occupier’s consent; or
	(c)	enter premises in accordance with a search warrant.
Note	Authorised people are appointed under the Road Transport (General) Act 1999, s 19.
	(2)	However, subsection (1) (a) does not authorise entry into a part of premises that is being used only for residential purposes.
	(3)	An authorised person may, without the consent of the occupier of premises, enter land around the premises to ask for consent to enter the premises.
	(4)	To remove any doubt, an authorised person may enter premises under subsection (1) without payment of an entry fee or other charge.
	(5)	In this section:
at any reasonable time includes at any time when the public is entitled to use the premises, or when the premises are open to or used by the public (whether or not on payment).
251	Production of identity card
An authorised person must not remain at premises entered under this chapter if the authorised person does not produce his or her identity card when asked by the occupier.
Note	Identity cards for authorised people are provided for in the Road Transport (General) Act 1999, s 20.
252	Consent to entry
	(1)	When seeking the consent of an occupier of premises to enter premises under section 250 (1) (b), an authorised person must—
	(a)	produce his or her identity card; and
	(b)	tell the occupier—
	(i)	the purpose of the entry; and
	(ii)	that anything found and seized under this chapter may be used in evidence in court; and
	(iii)	that consent may be refused.
	(2)	If the occupier consents, the authorised person must ask the occupier to sign a written acknowledgment (an acknowledgement of consent)—
	(a)	that the occupier was told—
	(i)	the purpose of the entry; and
	(ii)	that anything found and seized under this chapter may be used in evidence in court; and
	(iii)	that consent may be refused; and
	(b)	that the occupier consented to the entry; and
	(c)	stating the time and date when consent was given.
	(3)	If the occupier signs an acknowledgment of consent, the authorised person must immediately give a copy to the occupier.
	(4)	A court must find that the occupier did not consent to entry to the premises by the authorised person under this chapter if—
	(a)	the question arises in a proceeding in the court whether the occupier consented to the entry; and
	(b)	an acknowledgment of consent is not produced in evidence; and
	(c)	it is not proved that the occupier consented to the entry.
253	General powers on entry to premises
	(1)	An authorised person who enters premises under this chapter may, for this Act, do 1 or more of the following in relation to the premises or anything on the premises:
	(a)	inspect or examine;
	(b)	take measurements or conduct tests;
	(c)	take samples;
	(d)	take photographs, films, or audio, video or other recordings;
	(e)	require the occupier, or anyone at the premises, to give the authorised person reasonable help to exercise a power under this chapter.
Note	The Legislation Act, s 170 and s 171 deal with the application of the privilege against self incrimination and client legal privilege.
	(2)	A person must take all reasonable steps to comply with a requirement made of the person under subsection (1) (e).
Maximum penalty:  50 penalty units.
Note	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).
254	Power to seize things
	(1)	An authorised person who enters premises under this chapter with the occupier’s consent may seize anything at the premises if—
	(a)	the authorised person is satisfied on reasonable grounds that the thing is connected with an offence against this Act; and
	(b)	seizure of the thing is consistent with the purpose of the entry told to the occupier when seeking the occupier’s consent.
	(2)	An authorised person who enters premises under a warrant under this chapter may seize anything at the premises that the authorised person is authorised to seize under the warrant.
	(3)	An authorised person who enters premises under this chapter (whether with the occupier’s consent, under a warrant or otherwise) may seize anything at the premises if satisfied on reasonable grounds that—
	(a)	the thing is connected with an offence against this Act; and
	(b)	the seizure is necessary to prevent the thing from being—
	(i)	concealed, lost or destroyed; or
	(ii)	used to commit, continue or repeat the offence.
	(4)	The powers of an authorised person under subsection (3) are additional to any powers of the authorised person under subsection (1) or subsection (2) or any other territory law.
	(5)	Having seized a thing, an authorised person may remove the thing from the premises where it was seized (the place of seizure) to another place.

Part 6.3	Search warrants
255	Warrants generally
	(1)	An authorised person may apply to a magistrate for a warrant to enter premises.
	(2)	The application must be sworn and state the grounds on which the warrant is sought.
	(3)	The magistrate may refuse to consider the application until the authorised person gives the magistrate all the information the magistrate requires about the application in the way the magistrate requires.
	(4)	The magistrate may issue a warrant only if satisfied there are reasonable grounds for suspecting—
	(a)	there is a particular thing or activity connected with an offence against this Act; and
	(b)	the thing or activity—
	(i)	is, or is being engaged in, at the premises; or
	(ii)	may be, or may be engaged in, at the premises within the next 7 days.
	(5)	The warrant must state—
	(a)	that an authorised person may, with any necessary assistance and force, enter the premises and exercise the authorised person’s powers under this chapter; and
	(b)	the offence for which the warrant is issued; and
	(c)	the things that may be seized under the warrant; and
	(d)	the hours when the premises may be entered; and
	(e)	the date, within 7 days after the day of the warrant’s issue, the warrant ends.
256	Warrants—application made other than in person
	(1)	An authorised person may apply for a warrant by phone, fax, radio or other form of communication if the authorised person considers it necessary because of—
	(a)	urgent circumstances; or
	(b)	other special circumstances.
	(2)	Before applying for the warrant, the authorised person must prepare an application stating the grounds on which the warrant is sought.
	(3)	The authorised person may apply for the warrant before the application is sworn.
	(4)	After issuing the warrant, the magistrate must immediately fax a copy to the authorised person if it is practicable to do so.
	(5)	If it is not practicable to fax a copy to the authorised person—
	(a)	the magistrate must tell the authorised person—
	(i)	the terms of the warrant; and
	(ii)	the date and time the warrant was issued; and
	(b)	the authorised person must complete a form of warrant (the warrant form) and write on it—
	(i)	the magistrate’s name; and
	(ii)	the date and time the magistrate issued the warrant; and
	(iii)	the warrant’s terms.
	(6)	The faxed copy of the warrant, or the warrant form properly completed by the authorised person, authorises the entry and the exercise of the authorised person’s powers under this chapter.
	(7)	The authorised person must, at the first reasonable opportunity, send to the magistrate—
	(a)	the sworn application; and
	(b)	if the authorised person completed a warrant form—the completed warrant form.
	(8)	On receiving the documents, the magistrate must attach them to the warrant.
	(9)	A court must find that a power exercised by the authorised person was not authorised by a warrant under this section if—
	(a)	the question arises in a proceeding in the court whether the exercise of power was authorised by a warrant; and
	(b)	the warrant is not produced in evidence; and
	(c)	it is not proved that the exercise of power was authorised by a warrant under this section.
257	Search warrants—announcement before entry
	(1)	An authorised person must, before anyone enters premises under a search warrant—
	(a)	announce that the authorised person is authorised to enter the premises; and
	(b)	give anyone at the premises an opportunity to allow entry to the premises; and
	(c)	if the occupier of the premises, or someone else who apparently represents the occupier, is present at the premises—identify himself or herself to the person.
	(2)	The authorised person is not required to comply with subsection (1) if the authorised person believes on reasonable grounds that immediate entry to the premises is required to ensure—
	(a)	the safety of anyone (including the authorised person or any person assisting); or
	(b)	that the effective execution of the warrant is not frustrated.
258	Details of search warrant to be given to occupier etc
If the occupier of premises, or someone else who apparently represents the occupier, is present at the premises while a search warrant is being executed, the authorised person or a person assisting must make available to the person—
	(a)	a copy of the warrant; and
	(b)	a document setting out the rights and obligations of the person.
259	Occupier entitled to be present during search etc
	(1)	If the occupier of premises, or someone else who apparently represents the occupier, is present at the premises while a search warrant is being executed, the person is entitled to observe the search being conducted.
	(2)	However, the person is not entitled to observe the search if—
	(a)	to do so would impede the search; or
	(b)	the person is under arrest, and allowing the person to observe the search being conducted would interfere with the objectives of the search.
	(3)	This section does not prevent 2 or more areas of the premises being searched at the same time.

Part 6.4	Return and forfeiture of things seized
260	Receipt for things seized
	(1)	As soon as practicable after an authorised person seizes a thing under this chapter, the authorised person must give a receipt for it to the person from whom it was seized.
	(2)	If, for any reason, it is not practicable to comply with subsection (1), the authorised person must leave the receipt, secured conspicuously, at the place of seizure under section 254 (Power to seize things).
	(3)	A receipt under this section must include the following:
	(a)	a description of the thing seized;
	(b)	an explanation of why the thing was seized;
	(c)	the authorised person’s name, and how to contact the authorised person;
	(d)	if the thing is moved from the premises where it is seized—where the thing is to be taken.
261	Moving things to another place for examination or processing under search warrant
	(1)	A thing found at premises entered under a search warrant may be moved to another place for examination or processing to decide whether it may be seized under the warrant if—
	(a)	both of the following apply:
	(i)	there are reasonable grounds for believing that the thing is or contains something to which the warrant relates;
	(ii)	it is significantly more practicable to do so having regard to the timeliness and cost of examining or processing the thing at another place and the availability of expert assistance; or
	(b)	the occupier of the premises agrees in writing.
	(2)	The thing may be moved to another place for examination or processing for not longer than 72 hours.
	(3)	An authorised person may apply to a magistrate for an extension of time if the authorised person believes on reasonable grounds that the thing cannot be examined or processed within 72 hours.
	(4)	The authorised person must give notice of the application to the occupier of the premises, and the occupier is entitled to be heard on the application.
	(5)	If a thing is moved to another place under this section, the authorised person must, if practicable—
	(a)	tell the occupier of the premises the address of the place where, and time when, the examination or processing will be carried out; and
	(b)	allow the occupier or the occupier’s representative to be present during the examination or processing.
	(6)	The provisions of this chapter relating to the issue of search warrants apply, with any necessary changes, to the giving of an extension under this section.
262	Access to things seized
A person who would, apart from the seizure, be entitled to inspect a thing seized under this chapter may—
	(a)	inspect it; and
	(b)	if it is a document—take extracts from it or make copies of it.
263	Return of things seized
A thing seized under this chapter must be returned to its owner, or reasonable compensation must be paid by the Territory to the owner for the loss of the thing, if—
	(a)	an infringement notice for an offence relating to the thing is not served on the owner within 1 year after the day of the seizure and—
	(i)	a prosecution for an offence relating to the thing is not started within the 1-year period; or
	(ii)	a prosecution for an offence relating to the thing is started within the 1-year period but the court does not find the offence proved; or
	(b)	an infringement notice for an offence relating to the thing is served on the owner within 1 year after the day of the seizure, the infringement notice is withdrawn and—
	(i)	a prosecution for an offence relating to the thing is not started within the 1-year period; or
	(ii)	a prosecution for an offence relating to the thing is started within the 1-year period but the court does not find the offence proved; or
	(c)	an infringement notice for an offence relating to the thing is served on the owner and not withdrawn within 1 year after the day of the seizure, liability for the offence is disputed in accordance with the Magistrates Court Act 1930, section 132 (Disputing liability for infringement notice offence) and—
	(i)	an information is not laid in the Magistrates Court against the person for the offence within 60 days after the day notice is given under section 132 that liability is disputed; or
	(ii)	an information is laid in the Magistrates Court against the person for the offence within the 60-day period, but the Magistrates Court does not find the offence proved; or
	(d)	before the thing is forfeited to the Territory under section 264, the chief executive—
	(i)	becomes satisfied that there has been no offence against this Act with which the thing was connected; or
	(ii)	decides not to prosecute or serve an infringement notice for the offence.
264	Forfeiture of seized things
	(1)	This section applies if—
	(a)	anything seized under this chapter has not been returned under section 263; and
	(b)	an application for disallowance of the seizure under section 265—
	(i)	has not been made within 10 days after the day of the seizure; or
	(ii)	has been made within the 10-day period, but the application has been refused or withdrawn before a decision in relation to the application had been made.
	(2)	If this section applies to the seized thing—
	(a)	it is forfeited to the Territory; and
	(b)	it may be sold, destroyed or otherwise disposed of as the chief executive directs.
265	Application for order disallowing seizure
	(1)	A person claiming to be entitled to anything seized under this chapter may apply to the Magistrates Court within 10 days after the day of the seizure for an order disallowing the seizure.
	(2)	The application may be heard only if the applicant has served a copy of the application on the chief executive.
	(3)	The chief executive is entitled to appear as respondent at the hearing of the application.
266	Order for return of seized thing
	(1)	This section applies if a person claiming to be entitled to anything seized under this chapter applies to the Magistrates Court under section 265 for an order disallowing the seizure.
	(2)	The Magistrates Court must make an order disallowing the seizure if satisfied that—
	(a)	the applicant would, apart from the seizure, be entitled to the return of the seized thing; and
	(b)	the thing is not connected with an offence against this Act; and
	(c)	possession of the thing by the person would not be an offence.
	(3)	The Magistrates Court may also make an order disallowing the seizure if satisfied there are exceptional circumstances justifying the making of the order.
	(4)	If the Magistrates Court makes an order disallowing the seizure, the court may make 1 or more of the following ancillary orders:
	(a)	an order directing the chief executive to return the thing to the applicant or to someone else who appears to be entitled to it;
	(b)	if the thing cannot be returned or has depreciated in value because of the seizure—an order directing the Territory to pay reasonable compensation;
	(c)	an order about the payment of costs in relation to the application.

Part 6.5	Enforcement—miscellaneous
267	Damage etc to be minimised
	(1)	In the exercise, or purported exercise, of a function under this chapter, an authorised person must take all reasonable steps to ensure that the authorised person, and any person assisting the authorised person, causes as little inconvenience, detriment and damage as practicable.
	(2)	If an authorised person, or a person assisting an authorised person, damages anything in the exercise or purported exercise of a function under this chapter, the authorised person must give written notice of the particulars of the damage to the person the authorised person believes on reasonable grounds is the owner of the thing.
	(3)	If the damage happens at premises entered under this chapter in the absence of the occupier, the notice may be given by leaving it, secured conspicuously, at the premises.
268	Compensation for exercise of enforcement powers
	(1)	A person may claim compensation from the Territory if the person suffers loss or expense because of the exercise, or purported exercise, of a function under this chapter by an authorised person or a person assisting an authorised person.
	(2)	Compensation may be claimed and ordered in a proceeding for—
	(a)	compensation; or
	(b)	an offence against this Act brought against the person making the claim for compensation.
	(3)	A court may order the payment of reasonable compensation for the loss or expense only if satisfied that it is just to make the order in the circumstances of the particular case.
	(4)	A regulation may prescribe matters that may, must or must not be taken into account by the court in considering whether it is just to make the order.

Chapter 7	Information collection and secrecy
    
269	Information to be provided by licensed insurers
	(1)	A licensed insurer must give the CTP regulator—
	(a)	periodic returns, as prescribed by regulation, containing the information prescribed by regulation; and
	(b)	information about claims against the insurer that is prescribed by regulation, or that the CTP regulator requires by written notice to the insurer; and
	(c)	other information that is relevant to the administration of this Act that is prescribed by regulation, or that the CTP regulator requires by written notice to the insurer.
Example
An insurer may be required to provide—
(a)	details of motor vehicle accident claims against the insurer, and the dates when notice of the claims were received by the insurer; and
(b)	information about the claimants; and
(c)	information about whether liability was admitted by the insurer, when liability was admitted or denied and, if liability was admitted, the extent to which liability was admitted; and
(d)	information about the rehabilitation services made available to the claimant and the extent to which the rehabilitation services were used by the claimant; and
(e)	information about the costs of the insurer on claims, and how the costs are made up.
Note	An example is part of the Act, is not exhaustive and may extend, but does not limit, the meaning of the provision in which it appears (see Legislation Act, s 126 and s 132).
	(2)	The information must be provided by means of systems for the processing and transmission of information that the CTP regulator requires by written notice to the insurer.
Note	If a form is approved under s 276 for the provision of information under this section, the form must be used.
	(3)	A person commits an offence if the person—
	(a)	is a licensed insurer; and 
	(b)	must give the CTP regulator a periodic return or information under this section; and
	(c)	does not give the periodic return or information as required under this section.
Maximum penalty:  150 penalty units.
	(4)	If a court convicts a licensed insurer of an offence against this section, the court may, by order, cancel the insurer’s licence.
270	CTP claims register
	(1)	The CTP regulator must keep a register of compulsory third-party insurance motor accident claims (the CTP claims register).
	(2)	The CTP claims register must contain information provided under this Act by insurers that the CTP regulator considers appropriate for inclusion in the CTP claims register.
	(3)	The information contained in the CTP claims register must be accessible to licensed insurers and others to the extent that the CTP regulator decides.
	(4)	However, information that would, if it became generally known, affect an insurer’s competitive position must not be disclosed in a form that would allow the insurer to be identified.
271	Secrecy
	(1)	In this section:
court includes a tribunal, authority or person having power to require the production of documents or the answering of questions.
divulge includes communicate.
person to whom this section applies means a person who—
	(a)	is or has been—
	(i)	a member of the CTP premium board; or
	(ii)	a licensed insurer; or
	(iii)	an actuary engaged by the CTP regulator for this Act; or
	(b)	exercises, or has exercised, a function under this Act.
produce includes allow access to.
protected information means information about a person that is disclosed to, or obtained by, a person to whom this section applies because of the exercise of a function under this Act by the person or someone else.
	(2)	A person to whom this section applies commits an offence if—
	(a)	the person—
	(i)	makes a record of protected information about someone else; and
	(ii)	is reckless about whether the information is protected information about someone else; or
	(b)	the person—
	(i)	does something that divulges protected information about someone else; and
	(ii)	is reckless about whether—
	(A)	the information is protected information about someone else; and
	(B)	doing the thing would result in the information being divulged to someone else.
Maximum penalty:  50 penalty units, imprisonment for 6 months or both.
	(3)	Subsection (2) does not apply if the record is made, or the information is divulged—
	(a)	under this Act or another territory law; or
	(b)	in relation to the exercise of a function, as a person to whom this section applies, under this Act or another territory law; or
	(c)	under the insurance industry deed; or
	(d)	in a court proceeding.
	(4)	Subsection (2) does not apply to the divulging of protected information about someone with the person’s consent.
	(5)	Subsection (2) does not apply to the divulging of protected information by an insurer only to another insurer.

Chapter 8	Miscellaneous
272	Application to Territory and Commonwealth motor vehicles
	(1)	A requirement under this Act for a CTP policy does not apply in relation to a motor vehicle owned by the Territory, the Commonwealth or a territory or commonwealth authority.
	(2)	However, the Territory, the Commonwealth or a territory or commonwealth authority is, for a motor vehicle for which a CTP policy is not in force, under the same liabilities, and has the same rights, as a licensed insurer would be under, or have, if the insurer had issued a CTP policy for the vehicle.
	(3)	In this section:
commonwealth authority means a body, whether or not incorporated, established under a Commonwealth Act.
273	CTP regulator
	(1)	The Australian Capital Territory Compulsory Third-Party Insurance Regulator (the CTP regulator) is established.
	(2)	The chief executive is the CTP regulator.
	(3)	Anything done in the name of, or for, the CTP regulator by the chief executive in exercising a function of the CTP regulator is taken to have been done for, and binds, the Territory.
274	Delegation of CTP regulator’s functions
The CTP regulator may delegate the CTP regulator’s functions under the road transport legislation to a public employee.
Note 	For the making of delegations and the exercise of delegated functions, see the Legislation Act, pt 19.4.
275	Review of Act
	(1)	The Minister must review the operation of this Act as soon as practicable after the end of its 3rd year of operation.
	(2)	The Minister must present a report on the review to the Legislative Assembly within 3 months after the day the review is started.
	(3)	In reviewing the Act, the Minister must have regard to—
	(a)	how effectively the scheme under the Act provides reduced premiums for compulsory third-party insurance policies for motor vehicles; and
	(b)	any reform to any scheme providing for compulsory third‑party insurance for motor vehicles implemented in other jurisdictions in Australia; and
	(c)	the impact of the changes on the recovery to health, well-being and work of the claimant.
	(4)	In reviewing the Act, the Minister may have regard to anything else that the Minister considers relevant.
	(5)	This section expires 5 years after the day it commences.
276	Approved forms
	(1)	The chief executive may approve forms for this Act.
	(2)	If the chief executive approves a form for a particular purpose, the approved form must be used for that purpose.
Note	For other provisions about forms, see the Legislation Act, s 255.
	(3)	An approved form is a notifiable instrument.
Note	A notifiable instrument must be notified under the Legislation Act.
277	Regulation-making power
	(1)	The Executive may make regulations for this Act.
Note	A regulation must be notified, and presented to the Legislative Assembly, under the Legislation Act.
	(2)	A regulation may deal with the following:
	(a)	third-party insurance in relation to trader’s plates;
	(b)	third-party insurance in relation to unregistered vehicle permits;
	(c)	the CTP premium board.
Note	The CTP premium board is established in s 47.
	(3)	A regulation may create offences and fix maximum penalties of not more than 20 penalty units for the offences.
Note 1	Penalties imposed under this Act must be paid into the nominal defendant fund (see s 66).
Note 2	A reference to an Act includes a reference to the statutory instruments made or in force under the Act, including any regulation (see Legislation Act, s 104).
	(4)	In this section:
trader’s plate—see the Road Transport (Vehicle Registration) Act 1999, dictionary.
unregistered vehicle permit—see the Road Transport (Vehicle Registration) Act 1999, dictionary.
278	Legislation amended—sch 1
This Act amends the legislation mentioned in schedule 1.
279	Legislation repealed
The Road Transport (Third-party Insurance) Regulation 2000 (SL2000-6) is repealed.

Chapter 9	Transitional
280	Definitions—ch 9
In this chapter:
commencement day means the day this Act, section 5 commences.
former CTP provisions means the Road Transport (General) Act 1999, part 10 (Compulsory vehicle insurance).
former nominal defendant means the nominal defendant under the former CTP provisions.
third-party policy means an insurance policy issued under the former CTP provisions.
281	Transitional—personal injury claims
	(1)	This section applies to a third-party policy that was in force immediately before the commencement day.
	(2)	The third-party policy continues in force until the earlier of the following:
	(a)	the policy is replaced by a CTP insurance policy;
	(b)	15 days after the day the registration period to which the policy relates ends.
	(3)	If personal injury arises out of a motor vehicle accident that happened before the commencement day, a claim for the personal injury must be dealt with as if this Act had not been enacted.
	(4)	To remove any doubt, if personal injury arises out of a motor vehicle accident that happens on or after the commencement day, a claim for the personal injury must be dealt with under this Act, even if the accident happens while a third-party policy under the former CTP provisions is in force in relation to the risk.
282	Transitional—nominal defendant
The nominal defendant succeeds to the rights and liabilities of the former nominal defendant for personal injury arising out of a motor vehicle accident that happened before the commencement day.
283	Transitional—premiums
	(1)	This section applies if—
	(a)	on the commencement day, there is no CTP premium; and
	(b)	before a CTP premium is approved, a licensed insurer issues a CTP policy.
Note	CTP premium means a premium approved under pt 2.6 (see s 37).
	(2)	The Road Transport (General) Act 1999, section 214 (as in force immediately before the commencement day) applies in relation to the CTP premium as if this Act had not been enacted.
284	Transitional—authorised insurers
	(1)	Each authorised insurer is, on the commencement day, taken to be a licensed insurer.
	(2)	The authorised insurer’s licence expires when its authorisation would have expired if this Act had not been enacted.
	(3)	In this section:
authorised insurer means an insurer that, immediately before the commencement day, was an authorised insurer under the former CTP provisions.
285	Transitional—s 269
	(1)	For section 269, claims against the insurer includes claims arising before the commencement of this Act.
	(2)	This section expires 3 years after the commencement day.
286	Transitional regulations
	(1)	A regulation may prescribe transitional matters necessary or convenient to be prescribed because of the enactment of this Act.
	(2)	A regulation may modify this chapter to make provision in relation to anything that, in the Executive’s opinion, is not, or is not adequately or appropriately, dealt with in this chapter.
	(3)	A regulation under subsection (2) has effect despite anything elsewhere in this Act.
287	Expiry—ch 9
This chapter (other than section 285) expires 1 year after the commencement day.

Schedule 1	Consequential amendments
(see s 278)
Part 1.1	Civil Law (Wrongs) Act 2002
[1.1]	Section 5 (2), example
substitute
Example—scheme of compulsory third-party motor vehicle insurance
the scheme under the Road Transport (Third-Party Insurance) Act 2008
[1.2]	Section 18 (3)
substitute
	(3)	The rights given by this part for the benefit of estates of dead people, and the obligations under this part against estates of dead people, are additional to, and do not limit, rights or obligations under the Road Transport (Third-Party Insurance) Act 2008.
[1.3]	Section 38 (3)
substitute
	(3)	This section applies despite the Road Transport (Third-Party Insurance) Act 2008, section 25 (CTP insurer to indemnify insured people).
[1.4]	Section 50 (1)
substitute
	(1)	This chapter applies to all claims for damages for personal injury, including claims to which the Road Transport (Third-Party Insurance) Act 2008, chapter 4 (Motor Accident Claims) applies.
[1.5]	Section 50 (4) (a)
substitute
	(a)	the Road Transport (Third-Party Insurance) Act 2008, chapter 4 applies to the claim; or
[1.6]	Section 83 (1)
substitute
	(1)	This chapter applies to all claims for damages for personal injury, including claims to which the Road Transport (Third-Party Insurance) Act 2008, chapter 4 (Motor Accident Claims) applies.
[1.7]	Section 93 (1)
substitute
	(1)	This part applies to all claims for damages for personal injury, including claims to which the Road Transport (Third-Party Insurance) Act 2008, chapter 4 (Motor Accident Claims) applies.
[1.8]	Section 107B (4) (b)
substitute 
	(b)	a claim to which the Road Transport (Third-Party Insurance) Act 2008, chapter 4 (Motor Accident Claims) applies; 
[1.9]	Section 108 (3) (a)
substitute 
	(a)	a claim to which the Road Transport (Third-Party Insurance) Act 2008, chapter 4 (Motor Accident Claims) applies; or
[1.10]	Section 209
omit
Road Transport (General) Act 1999, part 10 (Compulsory vehicle insurance)
substitute 
Road Transport (Third-Party Insurance) Act 2008
Part 1.2	Consumer and Trader Tribunal Act 2003
[1.11]	Section 15, note
substitute
Note	The following Acts provide that applications may be made to the tribunal:
·	Agents Act 2003
·	Road Transport (Third-Party Insurance) Act 2008
·	Security Industry Act 2003.
Part 1.3	Road Transport (Alcohol and Drugs) Act 1977
[1.12]	Section 1, note 2, new dot point
after 4th dot point, insert
·	Road Transport (Third-Party Insurance) Act 2008
Part 1.4	Road Transport (Dimensions and Mass) Act 1990
[1.13]	Section 1, note 2, new dot point
after 4th dot point, insert
·	Road Transport (Third-Party Insurance) Act 2008
Part 1.5	Road Transport (Driver Licensing) Act 1999
[1.14]	Section 1, note 2, new dot point
after 4th dot point, insert
·	Road Transport (Third-Party Insurance) Act 2008
Part 1.6	Road Transport (General) Act 1999
[1.15]	Section 1, note 2, new dot point
after 5th dot point, insert
·	Road Transport (Third-Party Insurance) Act 2008
[1.16]	New section 6 (fa)
insert
	(fa)	the Road Transport (Third-Party Insurance) Act 2008;
[1.17]	Section 72 (1)
after
road transport authority
insert
or the CTP regulator
[1.18]	Section 72 (1) (c)
substitute
	(c)	a matter that appears in, or can be worked out from, the CTP insurer licence register kept under the Road Transport (Third‑Party Insurance) Act 2008;
	(d)	a matter that appears in or can be worked out from any other record kept by the authority under the road transport legislation.
[1.19]	Section 72 (3)
after
road transport authority
insert
or the CTP regulator
[1.20]	Section 90 (1) (a)
substitute
	(a)	made by the Minister, the road transport authority, the CTP regulator or the chief police officer under the road transport legislation; and
[1.21]	New section 96 (5)
insert
	(5)	In this section:
Minister means the Minister for the time being administering the provision of the road transport legislation for which the fee, charge or other amount is determined. 
[1.22]	Part 10
omit
[1.23]	Dictionary definitions of accident, accredited operator, authorised insurer, certificate of insurance, claim, commonwealth authority, hospital treatment, insured motor vehicle, insured person, issue, licensed insurer, medical and surgical treatment, motor accident, nominal defendant, owner, public vehicle, public vehicle policy, registration, third-party policy, unidentified motor vehicle and uninsured motor vehicle
omit
Part 1.7	Road Transport (General) Regulation 2000
[1.24]	Section 11
substitute
11	Reviewable decisions
For the Act, section 90 (1) (b) (Application of pt 7 etc), the decisions mentioned in schedule 1 are reviewable decisions. 
[1.25]	New section 16 (1) (ca)
insert
	(ca)	a fee, charge or other amount payable in relation to the issue of a compulsory third-party policy under the Road Transport (Third-Party Insurance) Act 2008;
[1.26]	Section 17 (1) (c)
substitute
	(c)	for a fee, charge or other amount mentioned in section 16 (1) (c), (ca) or (d)—the vehicle registration; or
[1.27]	Schedule 1, part 1.5
omit
[1.28]	Schedule 1, new part 1.9A
insert
Part 1.9A	Road Transport (Third-Party Insurance) Act 2008

column 1
item	column 2
provision	column 3
decision	
1	45	arbitrator—refuse to approve premium	
2	184 (1)	CTP regulator—refuse to issue CTP insurer licence	
3	185 (2) (b)	CTP regulator—decide to issue CTP insurer licence subject to condition	
4	185 (4)	CTP regulator—amend CTP insurer licence by including condition or, amending or revoking condition 	
5	194	CTP regulator—suspend CTP insurer licence	
6	195	CTP regulator—suspend CTP insurer licence	
7	203 (1)	CTP regulator—cancel CTP insurer licence 	
8	207	CTP regulator—not transfer CTP insurer licence	
Part 1.8	Road Transport (Offences) Regulation 2005
[1.29]	Section 8 (1) (c)
omit
[1.30]	Schedule 1, part 1.7, items 16 to 35
omit
[1.31]	Schedule 1, part 1.9
omit

[1.32]	Schedule 1, new part 1.13A
insert
Part 1.13A	Road Transport (Third-Party Insurance) Act 2008

column 1
item	column 2
offence provision and, if relevant, case	column 3
short description	column 4
offence penalty (pu)	column 5
infringement penalty ($)	column 6
demerit points	
1	17 (1)	use uninsured motor vehicle	50	484		

Part 1.9	Road Transport (Public Passenger Services) Act 2001
[1.33]	New section 126 (3A)
insert
	(3A)	A regulation may make provision in relation to insurance against liability for damage to property caused by, or arising out of the use of, a public passenger vehicle.
Part 1.10	Road Transport (Safety and Traffic Management) Act 1999
[1.34]	Section 1, note 2, new dot point
after 4th dot point, insert
·	Road Transport (Third-Party Insurance) Act 2008
Part 1.11	Road Transport (Vehicle Registration) Act 1999
[1.35]	Section 1, note 2, new dot point
after last dot point, insert
·	Road Transport (Third-Party Insurance) Act 2008

Dictionary
(see s 3)
Note 1	The Legislation Act contains definitions and other provisions relevant to this Act.
Note 2	For example, the Legislation Act, dict, pt 1, defines the following terms:
·	corporation
·	Corporations Act
·	financial year
·	person
·	State
·	under.
Note 3	If a word or expression is defined in an Act (but not a regulation or another publication) included in the road transport legislation, the definition applies to each use of the word or expression in other road transport legislation unless the contrary intention appears (see Road Transport (General) Act 1999, s 8).
appointed auditor, for part 5.7 (Supervision of licensed insurers)—see section 224.
APRA means the Australian Prudential Regulation Authority established under the Australian Prudential Regulation Authority Act 1998 (Cwlth), section 7.
ASIC means the Australian Securities and Investments Commission under the Australian Securities and Investments Commission Act 2001 (Cwlth).
assessment of damages notice, for division 4.6.2 (Rehabilitation services)—see section 128.
authorised person, for chapter 6 (Enforcement)—see section 249.
business plan—see section 211.
business plan guidelines—see section 216.
claimant, for a motor accident claim—see section 78.
compliance notice, for part 4.10 (Judgment for noncompliance with time limits)—see section 158.
complying notice of claim, for chapter 4 (Motor accident claims)—see section 76.
compulsory conference, for chapter 4 (Motor accident claims)—see section 136.
compulsory third-party policy—see section 18.
connected, for chapter 6 (Enforcement)—see section 249.
contribution notice, for chapter 4 (Motor accident claims)—see section 93.
contributor, for a motor accident claim, for chapter 4 (Motor accident claims)—see section 93.
costs, for part 4.11 (CTP insurer and nominal defendant may recover costs incurred)—see section 164.
court, for a motor accident claim, for chapter 4 (Motor accident claims)—see section 76.
credit card includes a debit card.
CTP claims register—see section 270.
CTP insurance business, for a licensed insurer—see section 11.
CTP insured person—see section 16.
CTP insurer—see section 23.
CTP insurer licence—see section 178.
CTP policy—see section 18.
CTP policy issued by an insolvent insurer, for part 5.8 (Insolvent insurers)—see section 238.
CTP premium, for a CTP policy—see section 37.
CTP premium board—see section 47.
CTP premium guidelines—see section 39.
CTP regulator—see section 273.
drive a vehicle includes—
	(a)	be in control of the steering, movement or propulsion of the vehicle; and
	(b)	if the vehicle is a trailer—draw or tow the vehicle; and
	(c)	if the vehicle can be ridden—ride the vehicle.
driver, of a vehicle, means the person who is driving the vehicle.
enforcing party, for part 4.10 (Judgment for noncompliance with time limits)—see section 158.
former licensed insurer, for chapter 5 (Licensing of insurers)—see section 179.
ground for disciplinary action—see section 200.
injured person—see section 7.
insolvent insurer, for part 5.8 (Insolvent insurers)—see section 238.
insolvent insurer declaration, for part 5.8 (Insolvent insurers)—see section 240.
insurance industry deed—see section 9.
insured motor vehicle—see section 15.
insured person, for a motor accident claim—see section 80.
insurer—
	(a)	for chapter 3 (Early payment for treatment of motor accident injuries)—see section 68; or
	(b)	for chapter 4 (Motor accident claims)—see section 81.
issue, of a CTP policy, includes the issue of a renewal of the policy.
late party, for part 4.10 (Judgment for noncompliance with time limits)—see section 158.
later respondent, for a motor accident claim, for chapter 4 (Motor accident claims)—see section 91.
licensed insurer—
	(a)	see section 179; or
	(b)	for part 5.4 (Disciplinary action)—see section 198.
liquidator, for part 5.8 (Insolvent insurers)—see section 238.
mandatory final notice—see section 141.
mandatory final offer, for chapter 4 (Motor accident claims)—see section 141.
market share, of a licensed insurer, for part 5.7 (Supervision of licensed insurers)—see section 216.
medical and rehabilitation guidelines—see section 135.
medical expenses—see section 71.
medical treatment, for chapter 4 (Motor accident claims)—see section 76.
motor accident—see section 7.
motor accident claim, for a motor accident—see section 77.
motor accident medical report, for a motor accident—see section 70.
motor accident notification form, for a motor accident—see section 69.
motor vehicle—see the Road Transport (General) Act 1999, dictionary.
Note	The Road Transport (General) Act 1999, dict, defines motor vehicle as a vehicle built to be propelled by a motor that forms part of the vehicle.
nominal defendant—see section 59.
nominal defendant fund—see section 66.
notice of claim, for a motor accident claim, for chapter 4 (Motor accident claims)—see section 84.
occupier, for chapter 6 (Enforcement)—see section 249.
offence, for chapter 6 (Enforcement)—see section 249.
owner—
	(a)	of a registered motor vehicle—see section 12; or
	(b)	of an unregistered motor vehicle—see section 13.
party, for a motor accident claim, for chapter 4 (Motor accident claims)—see section 76.
personal injury—see section 6.
possession, of a motor vehicle—see section 14.
provided rehabilitation services, for division 4.6.2 (Rehabilitation services)—see section 125.
registered motor vehicle—see section 30.
registered operator—see the Road Transport (Vehicle Registration) Act 1999, dictionary.
rehabilitation, for chapter 4 (Motor accident claims)—see section 123.
rehabilitation services—see section 124.
related body corporate—see the Corporations Act, section 9 (Dictionary).
relevant claim information, for part 4.3 (Obligations on parties to give documents and information)—see section 103.
relevant notice claim, for part 4.10 (Judgment for noncompliance with time limits)—see section 159.
required document, for part 4.3 (Obligations on parties to give documents and information)—see section 102.
required thing, for part 4.10 (Judgment for noncompliance with time limits)—see section 157.
respondent, for a motor accident claim, for chapter 4 (Motor accident claims)—see section 79.
respondents’ claim manager, for a motor accident claim, for chapter 4 (Motor accident claims)—see section 92.
response, for a motor accident claim, for chapter 4 (Motor accident claims)—see section 90.
ride, for the rider of a motorbike or an animal-drawn vehicle, includes be in control of the vehicle.
rider, of a vehicle that can be ridden, means the person who is riding the vehicle.
road means an area that is open to or used by the public and is developed for, or has as 1 of its main uses, the driving or riding of motor vehicles, but does not include an area that would otherwise be a road so far as a declaration under the Road Transport (General) Act 1999, section 12 (Power to include or exclude areas in road transport legislation) declares that this Act does not apply to the area.
road related area—
	(a)	means—
	(i)	an area that divides a road; or
	(ii)	a footpath or nature strip adjacent to a road; or
	(iii)	an area that is open to the public and is designated for use by cyclists or animals; or
	(iv)	an area that is not a road and that is open to or used by the public for driving, riding or parking vehicles; or
	(v)	a shoulder of a road; or
	(vi)	any other area that is open to or used by the public so far as a declaration under the Road Transport (General) Act 1999, section 12 (Power to include or exclude areas in road transport legislation) declares that this Act applies to the area; but
	(b)	does not include an area that would otherwise be a road related area so far as a declaration under that section declares that this Act does not apply to the area.
road transport authority means the Australian Capital Territory Road Transport Authority.
Note 	The chief executive of the department responsible for the Road Transport (General) Act 1999 is the road transport authority (see Road Transport (General) Act 1999, s 16).
road transport legislation—see the Road Transport (General) Act 1999, section 6.
third-party funds, of a licensed insurer, for part 5.7 (Supervision of licensed insurers)—see section 219.
trailer means a vehicle being towed, or built to be towed, by a motor vehicle, but does not include a motor vehicle being towed.
unidentified motor vehicle—see section 62.
uninsured motor vehicle—see section 60.
use, a motor vehicle—see section 8.

Endnotes
1	Presentation speech
	Presentation speech made in the Legislative Assembly on 22 November 2007.
2	Notification
	Notified under the Legislation Act on 26 February 2008.
3	Republications of amended laws
	For the latest republication of amended laws, see www.legislation.act.gov.au.

I certify that the above is a true copy of the Road Transport (Third-Party Insurance) Bill 2008, which originated in the Legislative Assembly as the Road Transport (Third-Party Insurance) Bill 2007 and was passed by the Assembly on 12 February 2008. 

Clerk of the Legislative Assembly

© Australian Capital Territory 2008