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93-445: The I.I.I. web site provides information for consumers, the media, researchers and the general public on a wide range of topics, including automobile insurance , homeowner's insurance , life insurance , annuities , health insurance , long-term care insurance and disability insurance . The Web site also contains papers, presentations and factsheets that focus on financial results, disasters , climate change , and other key issues

186-528: A $ 1000 deductible , such as a collision damage waiver ) as part of its basic insurance policy. In Saskatchewan , residents have the option to have their auto insurance through a tort system but less than 0.5% of the population have taken this option. Facility insurance policies are offered by the "facility association residual market" (or "FARM"), as a last resort since auto insurance is mandatory in Canada, for private and commercial high-risk drivers who cannot buy

279-705: A bodily injury coverage limitation of €8–15,000,000 for each bodily injured person). Third party vehicle insurance is mandatory for all vehicles in Hungary . No exemption is possible by money deposit. The premium covers all damage up to HUF 500m (about €1.8m) per crash without deductible. The coverage is extended to HUF 1,250m (about €4.5m) in case of personal injuries. Vehicle insurance policies from all EU countries and some non-EU countries are valid in Hungary based on bilateral or multilateral agreements. Visitors with vehicle insurance not covered by such agreements are required to buy

372-445: A common insurance policy, while the all-inclusive policies ( kasko policy) which include also damages of the vehicle causing the crash or the injuries. It is also common to include a renounce clause of the insurance company to compensate the damages against the insured person in some cases (usually in case of DUI or other infringement of the law by the driver). The victims of crashes caused by non-insured vehicles could be compensated by

465-469: A crash. New South Wales New South Wales (commonly abbreviated as NSW ) is a state on the east coast of Australia . It borders Queensland to the north, Victoria to the south, and South Australia to the west. Its coast borders the Coral and Tasman Seas to the east. The Australian Capital Territory and Jervis Bay Territory are enclaves within the state. New South Wales' state capital

558-663: A deal with Edmund Barton , leader of the NSW Protectionist Party, whereby they would work together for federation and leave the question of a protective tariff for a future Australian government to decide. In early 1893 the first citizens' Federation League was established in the Riverina region of New South Wales and many other leagues were soon formed in the colony. The leagues organised a conference in Corowa in July 1893 which developed

651-517: A debt crisis after the onset of the Great Depression in 1929. New South Wales was hit harder by the depression than other states, and by 1932 one third of union members in the state were unemployed, compared with 20 per cent nationally. Labor won the November 1930 NSW elections and Jack Lang became premier for the second time. In 1931 Lang proposed a plan to deal with the depression which included

744-451: A diverse set of understory shrubs and fungi. One of the widespread fungi is Witch's Butter ( Tremella mesenterica ). The western slopes and plains fill a significant portion of the state's area and have a much sparser population than areas nearer the coast. Agriculture is central to the economy of the western slopes, particularly the Riverina region and Murrumbidgee Irrigation Area in

837-564: A gift of a bottle of wine. The Liberal Party then elected Treasurer Mike Baird as party leader and Premier. Baird resigned as Premier on 23 January 2017, and was replaced by Gladys Berejiklian . On 23 March 2019, Berejiklian led the Coalition to a third term in office. She maintained high personal approval ratings for her management of a bushfire crisis and the COVID-19 pandemic . However, Berejiklian resigned as premier on 5 October 2021, following

930-681: A hereditary upper house was widely ridiculed and subsequently dropped. The property qualification for voters had been reduced in 1851, and by 1856 95 per cent of adult males in Sydney, and 55 per cent in the colony as a whole, were eligible to vote. Full adult male suffrage was introduced in 1858. In 1859 Queensland became a separate colony. In 1861 the NSW parliament legislated land reforms intended to encourage family farms and mixed farming and grazing ventures. The amount of land under cultivation subsequently increased from 246,000 acres in 1861 to 800,000 acres in

1023-644: A huge victory for Holman's pro-conscription Nationalists in the elections of March 1917, a second referendum on conscription held in December that year was defeated in New South Wales and nationally. Following the war, NSW governments embarked on large public works programs including road building, the extension and electrification of the rail network and the construction of the Sydney Harbour Bridge. The works were largely funded by loans from London, leading to

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1116-572: A majority of one seat. The outbreak of the First World War in 1914 saw more NSW volunteers for service than the federal authorities could handle, leading to unrest in camps as recruits waited for transfer overseas. In 1916 NSW premier William Holman and a number of his supporters were expelled from the Labor party over their support for military conscription. Holman subsequently formed a Nationalist government which remained in power until 1920. Despite

1209-582: A military outpost on King George Sound in Western Australia in 1826 which was later transferred to the Swan River colony. In 1839, the UK decided to formally annex at least part of New Zealand to New South Wales. It was administered as a dependency until becoming the separate Colony of New Zealand on 3 May 1841. From the 1820s, squatters increasingly established unauthorised cattle and sheep runs beyond

1302-477: A monthly, renewable policy at the border. The Road Traffic Act, 1933 requires all drivers of mechanically propelled vehicles in public places to have at least third-party insurance, or to have obtained exemption – generally by depositing a (large) sum of money to the High Court as a guarantee against claims. In 1933, this figure was set at £ 15,000. The Road Traffic Act, 1961 (which is currently in force) repealed

1395-451: A motor vehicle in all federal states of Germany . In addition, every vehicle owner is free to take out a comprehensive insurance policy. All types of car insurance are provided by several private insurers. The amount of insurance contribution is determined by several criteria, like the region, the type of car or the personal way of driving. The minimum coverage defined by German law for car liability insurance / third-party personal insurance

1488-507: A plan for federation. The new NSW premier, George Reid , endorsed the "Corowa plan" and in 1895 convinced the majority of other premiers to adopt it. A constitutional convention held sessions in 1897 and 1898 which resulted in a proposed constitution for a Commonwealth of federated states. However, a referendum on the constitution failed to gain the required majority in New South Wales after that colony's Labor party campaigned against it and premier Reid gave it such qualified support that he earned

1581-618: A planner to design the street layout of Sydney. A road across the Blue Mountains was completed in 1815, opening the way for large scale farming and grazing in the lightly wooded pastures west of the Great Dividing Range . In 1825 Van Diemen's Land (now Tasmania) became a separate colony and the western border of New South Wales was extended to the 129th meridian east (now the West Australian border). New South Wales established

1674-549: A police station within ten days if requested by an officer. Proof of having insurance or an exemption must also be provided to pay for the motor tax . Those injured or suffering property damage/loss due to uninsured drivers can claim against the Motor Insurance Bureau of Ireland's uninsured drivers fund, as can those injured (but not those suffering damage or loss) from hit and run offences. The law 990/1969 requires that each motor vehicle or trailer standing or moving on

1767-501: A policy in the voluntary market (regular auto insurance). Traffic Compulsory Insurance provides protection in the event of third party injuries, third party property losses, etc. The minimum liability cover is RMB180,000 (US$ 27,907) for death and injury/per crash, RMB18,000 (US$ 2,791) for medical expense, and RMB2,000 (US$ 310) for physical loss. Additional 3rd Party Liability Insurance also known as Commercial Motor Insurance provides extra cover up to RMB10,000,000 (US$ 1,550,388) excluding

1860-480: A public road have third-party insurance (called RCA, Responsabilità civile per gli autoveicoli ). Historically, a part of the certificate of insurance must be displayed on the windscreen of the vehicle. This latter requirement was revoked in 2015, when a national database of insured vehicles was built by the Insurance Company Association (ANIA, Associazione Nazionale Imprese Assicuratrici ) and

1953-423: A ship, and sail to freedom. Poorly armed, and with their leader Philip Cunningham captured, about 100 troops and volunteers routed the main body of insurgents at Rouse Hill . At least 39 convicts were killed in the uprising and subsequent executions. Lachlan Macquarie (governor 1810–1821) commissioned the construction of roads, wharves, churches and public buildings, sent explorers out from Sydney, and employed

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2046-502: A suspension of interest payments to British creditors, diverting the money to unemployment relief. The Commonwealth and state premiers rejected the plan and later that year Lang's supporters in the Commonwealth parliament brought down James Scullin's federal Labor government. The NSW Lang government subsequently defaulted on overseas interest payments and was dismissed from office in May 1932 by

2139-462: Is Sydney , which is also Australia's most populous city. In December 2023 , the population of New South Wales was over 8.3 million, making it Australia's most populous state. Almost two-thirds of the state's population, 5.3 million, live in the Greater Sydney area. The Colony of New South Wales was founded as a British penal colony in 1788. It originally comprised more than half of

2232-678: Is insurance for cars , trucks , motorcycles , and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as vandalism , weather or natural disasters , and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region. Widespread use of

2325-524: Is calculated through the rates provided by the Tariff Advisory Committee. This is a branch of the IRDA (Insurance Regulatory and Development Authority of India). It covers bodily injury/accidental death and property damage. In Malaysia, renewing car insurances is a very common thing. In general, there are four types of car insurance available for Malaysians: This is the minimum cover corresponding to

2418-458: Is compulsory in every state in Australia and is paid as part of vehicle registration. It covers the vehicle owner and any person who drives the vehicle against claims for liability for death or injury to people caused by the fault of the vehicle owner or driver. CTP may include any kind of physical harm, bodily injuries and may cover the cost of all reasonable medical treatment for injuries received in

2511-476: Is compulsory to have vehicle insurance before using or keeping a motor vehicle on public roads. Most jurisdictions relate insurance to both the car and the driver; however, the degree of each varies greatly. Several jurisdictions have experimented with a "pay-as-you-drive" insurance plan which utilizes either a tracking device in the vehicle or vehicle diagnostics. This could address issues of uninsured motorists by providing additional options and also charge based on

2604-525: Is for injuries or death of someone in a motor crash. In New South Wales , each vehicle must be insured before it can be registered. It is often called a 'greenslip', because of its colour. There are five licensed CTP insurers in New South Wales. Suncorp holds licences for GIO and AAMI and Allianz holds one licence. The remaining two licences are held by QBE and NRMA Insurance (NRMA). APIA and Shannons and InsureMyRide insurance also supply CTP insurance licensed by GIO. A privately provided scheme also applies in

2697-600: Is managed through Territory Insurance Office (TIO). For all types of motor insurance policies in Bangladesh , the limit of liability has been fixed by the law. Currently, the limits are too low to compensate the victims. In respect of Act Only Liability Motor Vehicle Insurance, the compensation for personal injuries and property damage to third parties is ৳ 20,000 (US$ 167) BDT 20,000 for death, ৳ 10,000 (US$ 84) for severe injury, ৳ 5,000 (US$ 42) for injury, and ৳ 50,000 (US$ 418) for property damage. The limits are under review by

2790-474: Is mandatory everywhere except for Newfoundland and Labrador . All provinces in Canada have some form of no-fault insurance available to crash victims. The difference from province to province is the extent to which tort or no-fault is emphasized. International drivers entering Canada are permitted to drive any vehicle their licence allows for the three-month period for which they are allowed to use their international licence. International laws provide visitors to

2883-527: Is now New South Wales, including the Wiradjuri , Gamilaray , Yuin , Ngarigo , Gweagal , and Ngiyampaa peoples. In 1770, James Cook charted the unmapped eastern coast of the continent of New Holland , now Australia, and claimed the entire coastline that he had just explored as British territory. Contrary to his instructions, Cook did not gain the consent of the Aboriginal inhabitants. Cook originally named

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2976-535: Is paid to the local Samsat ( Sistem Administrasi Manunggal di bawah Satu Atap ), which is responsible for cars and roads. Auto insurance in India covers the loss of or damage caused to the automobile or its parts due to natural and man-made calamities. It provides accident cover for individual owners of the vehicle while driving and also for passengers and third party legal liability . There are certain general insurance companies who also offer online insurance service for

3069-419: Is €7,500,000 for bodily injury (damage to people), €500,000 for property damage and €50,000 for financial/fortune loss which is in no direct or indirect coherence with bodily injury or property damage. Insurance companies usually offer all-in/combined single limit insurance policies of €50,000,000 or €100,000,000 (about €141,000,000) for bodily injury, property damage and other financial/fortune loss (usually with

3162-759: The Australian Capital Territory through AAMI, APIA, GIO and NRMA. Vehicle owners pay for CTP as part of their vehicle registration. In Queensland , CTP is included in the registration fee for a vehicle. There is a choice of private insurer – Allianz, QBE and Suncorp and price is government controlled. In South Australia , since July 2016, CTP is no longer provided by the Motor Accident Commission . The government has now licensed four private insurers – AAMI, Allianz, QBE and SGIC – to offer CTP insurance SA. Since July 2019, vehicle owners can choose their own CTP insurer and new insurers may also enter

3255-476: The Australian mainland with its western boundary set at 129th meridian east in 1825. The colony then also included the island territories of Van Diemen's Land , Lord Howe Island , and Norfolk Island . During the 19th century, most of the colony's area was detached to form separate British colonies that eventually became the various states and territories of Australia . The Swan River Colony (later called

3348-733: The Colony of Western Australia ) was never administered as part of New South Wales. Lord Howe Island remains part of New South Wales, while Norfolk Island became a federal territory , as have the areas now known as the Australian Capital Territory and the Jervis Bay Territory . The original inhabitants of New South Wales were the Aboriginal tribes who arrived in Australia about 40,000 to 60,000 years ago. Before European settlement there were an estimated 250,000 Aboriginal people in

3441-526: The Mid North Coast and Northern Rivers regions reaching northwards to the Queensland border. Tourism is important to the economies of coastal towns such as Coffs Harbour , Lismore , Nowra and Port Macquarie , but the region also produces seafood, beef, dairy, fruit, sugar cane and timber. The Great Dividing Range extends from Victoria in the south through New South Wales to Queensland, parallel to

3534-792: The United Kingdom with the Road Traffic Act 1930 . This ensured that all vehicle owners and drivers had to be insured for their liability for injury or death to third parties while their vehicle was being used on a public road. Ireland replicated the obligation via the Road Traffic Act, 1933. Germany enacted similar legislation in 1939 called the "Act on the Implementation of Compulsory Insurance for Motor Vehicle Owners". The EU (then EEC) required mandatory insurance cover be mandated by all member states, from 1973. In many jurisdictions, it

3627-566: The 1880s. Wool production also continued to grow, and by the 1880s New South Wales produced almost half of Australia's wool. Coal had been discovered in the early years of settlement and gold in 1851, and by the 1890s wool, gold and coal were the main exports of the colony. The NSW economy also became more diversified. From the 1860s, New South Wales had more people employed in manufacturing than any other Australian colony. The NSW government also invested strongly in infrastructure such as railways, telegraph, roads, ports, water and sewerage. By 1889 it

3720-521: The 1933 act but replaced these sections with functionally identical sections. From 1968, those making deposits require the consent of the Minister for Transport to do so, with the sum specified by the Minister. Those not exempted from obtaining insurance must obtain a certificate of insurance from their insurance provider, and display a portion of this (an insurance disc ) on their vehicles' windscreen (if fitted). The certificate in full must be presented to

3813-421: The 40-hour working week was implemented by 1947. The post-war economic boom brought near-full employment and rising living standards, and the government engaged in large spending programs on housing, dams, electricity generation and other infrastructure. In 1954 the government announced a plan for the construction of an opera house on Bennelong Point . The design competition was won by Jørn Utzon . Controversy over

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3906-465: The Laws of Hong Kong), all users of a car, include its permitted users, must have insurance or some other security with respect to third-party risks. Third party insurance protects the policyholder against liability of death or bodily injury to third party up to HK$ 100 million ( US$ 12.87 million) and/or damage to third party property up to HK$ 2 million ( US$ 257,400.26) as a result of crash arising out of

3999-501: The National Transportation Authority ( Motorizzazione Civile ) to verify (by private citizens and public authorities) if a vehicle is insured. There is no exemption policy to this law disposition. Driving without the necessary insurance for that vehicle is an offence that can be prosecuted by the police and fines range from 841 to 3,287 euros. Police forces also have the power to seize a vehicle that does not have

4092-543: The Road's Victim Warranty Fund ( Fondo garanzia vittime della strada ), which is covered by a fixed amount (2.5%, as 2015) of each RCA insurance premium. Third-party vehicle insurance is a mandatory requirement for every vehicle in the Netherlands . This obligation is mandatory based on article 2 of the Wet aansprakelijkheidsverzekering motorrijtuigen . When a vehicle is not insured

4185-546: The UK. Third-party vehicle insurance is a mandatory requirement in Indonesia and each individual car and motorcycle must be insured or the vehicle will not be considered legal; this compulsory auto insurance is legally called the Road Traffic Accidents Compulsory Coverage Fund ( Indonesian : Dana Pertanggungan Wajib Kecelakaan Lalu Lintas Jalan , DPWKLLJ ). Therefore, a motorist cannot drive

4278-616: The centre of a narrow coastal strip extending from cool temperate areas on the far south coast to subtropical areas near the Queensland border. Gulaga National Park in the South Coast features the southernmost subtropical rainforest in the state. The Illawarra region is centred on the city of Wollongong, with the Shoalhaven , Eurobodalla and the Sapphire Coast to the south. The Central Coast lies between Sydney and Newcastle, with

4371-462: The colony's exports and by 1850 most of the eastern third of New South Wales was controlled by fewer than 2,000 pastoralists. The transportation of convicts to New South Wales ended in 1840, and in 1842 a Legislative Council was introduced, with two-thirds of its members elected and one-third appointed by the governor. Former convicts were granted the vote, but a property qualification meant that only one in five adult males were enfranchised. By 1850

4464-542: The corporatisation of government agencies and the privatisation of some government services. An Independent Commission Against Corruption (ICAC) was created. Greiner called a snap election in 1991 which the Liberals were expected to win. However the ALP polled extremely well and the Liberals lost their majority and needed the support of independents to retain power. In 1992, Greiner was investigated by ICAC for possible corruption over

4557-550: The cost of the Sydney Opera House and construction delays became a political issue and was a factor in the eventual defeat of Labor in 1965 by the conservative Liberal Party and Country Party coalition led by Robert Askin . The Askin government promoted private development, law and order issues and greater state support for non-government schools. However, Askin, a former bookmaker, became increasingly associated with illegal bookmaking, gambling and police corruption. In

4650-459: The country with an International Insurance Bond (IIB) until this three-month period is over in which the international driver must provide themselves with Canadian Insurance. The IIB is reinstated every time the international driver enters the country. Damage to the driver's own vehicle is optional – one notable exception to this is in Saskatchewan , where SGI provides collision coverage (less than

4743-430: The crash, loss of wages, cost of care services and, in some cases, compensation for pain and suffering. Each state in Australia has a different scheme. Third-Party Property insurance or Comprehensive insurance covers the third party with the repairing cost of the vehicle, any property damage or medication expenses as a result of a crash by the insured. They are not to be confused with Compulsory Third-Party insurance, which

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4836-407: The distance driven, which could theoretically increase the efficiency of the insurance, through streamlined collection. In Australia , every state has its own Compulsory Third-Party (CTP) insurance scheme. CTP covers only personal injury liability in a vehicle crash. Comprehensive and Third-Party Property Damage, with or without Fire and Theft insurance, are sold separately. CTP insurance

4929-485: The driver and passengers. Driver and Passenger insurance covers the driver and passengers, whilst Vehicle Damage and Theft Insurance covers vehicle damage and the objects contained inside. Excess Waiver Insurance is an additional option that waives any deductibles. Some differences apply in different regions: According to section 4(1) of the Motor Vehicles Insurance (Third-Party Risks) Ordinance (Cap. 272 of

5022-722: The governmental bodies. Several Canadian provinces ( British Columbia , Saskatchewan , Manitoba and Quebec ) provide a public auto insurance system while in the rest of the country insurance is provided privately. The third-party insurance is privatized in Quebec and is mandatory. The province covers everything but the vehicle(s). Basic auto insurance is mandatory throughout Canada (with some exceptions, such as government vehicles ) with each province's government determining which benefits are included as minimum required auto insurance coverage and which benefits are options available for those seeking additional coverage. Accident benefits coverage

5115-560: The governor, Sir Phillip Game . The following elections were won comfortably by the United Australia Party in coalition with the Country Party. Bertram Stevens became premier, remaining in office until 1939, when he was replaced by Alexander Mair . A contemporary study by sociologist A. P. Elkin found that the population of New South Wales responded to the outbreak of war in 1939 with pessimism and apathy. This changed with

5208-609: The insurance industry faces. In addition, a number of publications can be purchased via the I.I.I. store, including the Insurance Fact Book , the Financial Services Fact Book , Insuring Your Business , the Insurance Handbook and a wide variety of brochures, including "12 Ways to Lower Your Homeowners Insurance Costs". The institute's current president and chief executive officer, Sean Kevelighan, assumed

5301-438: The insured person and third parties carried with the vehicle, but not the driver, if the two do not coincide). Third parties, fire and theft is a common insurance policy. Victims of accidents caused by non-insured vehicles may be compensated by a Warranty Fund, which is covered by a fixed amount for each insurance premium. Since 2013 it is possible to contract an insurance by days as is possible in countries such as Germany and

5394-464: The introduction of Directive 1972/166/EEC, insurance cover is mandatory, with the statutory minimum cover being revised every five years, the most recent revision, via Directive (EU) 2021/2118 (the ‘‘Motor Insurance Directive’’ or ‘‘MID’’ ) requires: In some European languages, comprehensive non-mandatory insurance is known as casco (Casualty and Collision). Since 1939, it has been compulsory to have third-party personal insurance before keeping

5487-635: The islands adjacent in the Pacific Ocean". The area included modern New South Wales, Queensland, Victoria, Tasmania. He remained as governor until 1792. The settlement was initially planned to be a self-sufficient penal colony based on subsistence agriculture. Trade and shipbuilding were banned to keep the convicts isolated. However, after the departure of Governor Phillip, the colony's military officers began acquiring land and importing consumer goods obtained from visiting ships. Former convicts also farmed land granted to them and engaged in trade. Farms spread to

5580-511: The land New Wales , however, on his return voyage to Britain he settled on the name New South Wales . In January 1788 Arthur Phillip arrived in Botany Bay with the First Fleet of 11 vessels, which carried over a thousand settlers, including 736 convicts. A few days after arrival at Botany Bay , the fleet moved to the more suitable Port Jackson , where Phillip established a settlement at

5673-482: The late 1960s, a secessionist movement in the New England region of the state led to a 1967 referendum on the issue which was narrowly defeated. The new state would have consisted of much of northern NSW including Newcastle . Askin's resignation in 1975 was followed by a number of short-lived premierships by Liberal Party leaders. When a general election came in 1976, the ALP under Neville Wran came to power. Wran

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5766-485: The mandatory legal third-party coverage. For example limited frame coverage will provide coverage against damage caused by the weather such as storm and flooding. Also fire damage and theft of the car is covered. Full frame coverage will provide coverage against all risks mentioned plus damage to the car caused by the driver himself. Each motor vehicle on a public road is required to have third party insurance (called Seguro de responsabilidad civil ). Police forces have

5859-820: The market. There are three states and one territory that do not have a private CTP scheme. In Victoria , the Transport Accident Commission provides CTP through a levy in the vehicle registration fee, known as the TAC charge. A similar scheme exists in Tasmania through the Motor Accidents Insurance Board . A similar scheme applies in Western Australia , through the Insurance Commission of Western Australia (ICWA). The Northern Territory scheme

5952-476: The more fertile lands surrounding Paramatta , Windsor and Camden , and by 1803 the colony was self-sufficient in grain. Boat building was developed to make travel easier and exploit the marine resources of the coastal settlements. Sealing and whaling became important industries. In March 1804, Irish convicts led around 300 rebels in the Castle Hill Rebellion , an attempt to march on Sydney, commandeer

6045-467: The motor car began after the First World War in urban areas. Cars were relatively fast and dangerous by that stage, yet there was still no compulsory form of car insurance anywhere in the world. This meant that injured victims would rarely get any compensation in a crash, and drivers often faced considerable costs for damage to their car and property. A compulsory car insurance scheme was introduced in

6138-678: The narrow coastal plain. This area includes the Snowy Mountains , the Northern , Central and Southern Tablelands , the Southern Highlands and the South West Slopes . Whilst not particularly steep, many peaks of the range rise above 1,000 metres (3,281 ft), with the highest Mount Kosciuszko at 2,228 m (7,310 ft). Skiing in Australia began in this region at Kiandra around 1861. The relatively short ski season underwrites

6231-608: The necessary enabling legislation in 1900 and Western Australia subsequently voted to join the new federation. The Commonwealth of Australia was inaugurated on 1 January 1901, and Barton was sworn in as Australia's first prime minister. The first post-federation NSW governments were Progressive or Liberal Reform and implemented a range of social reforms with Labor support. Women won the right to vote in NSW elections in 1902, but were ineligible to stand for parliament until 1918. Labor increased its parliamentary representation in every election from 1904 before coming to power in 1910 with

6324-399: The necessary insurance in place, until the owner of the vehicle pays a fine and signs a new insurance policy. The same provision is applied when the vehicle is standing on a public road. Minimal insurance policies cover only third parties (including the insured person and third parties carried with the vehicle, but not the driver, if the two do not coincide). Third parties, fire and theft is

6417-457: The nickname "yes-no Reid". The premiers of the other colonies agreed to a number of concessions to New South Wales (particularly that the future Commonwealth capital would be located in NSW), and in 1899 further referendums were held in all the colonies except Western Australia. All resulted in yes votes, with the yes vote in New South Wales meeting the required majority. The Imperial Parliament passed

6510-504: The offer of a public service position to a former Liberal MP. Greiner resigned but was later cleared of corruption. His replacement as Liberal leader and Premier was John Fahey , whose government narrowly lost the 1995 election to the ALP under Bob Carr , who was to become the longest serving premier of the state. The Carr government (1995–2005) largely continued its predecessors' focus on the efficient delivery of government services such as health, education, transport and electricity. There

6603-497: The official limits of the settled colony. In 1836, an annual licence was introduced in an attempt to control the pastoral industry, but booming wool prices and the high cost of land in the settled areas encouraged further squatting. The expansion of the pastoral industry led to violent episodes of conflict between settlers and traditional Aboriginal landowners, such as the Myall Creek massacre of 1838. By 1844 wool accounted for half of

6696-579: The opening of an ICAC investigation into her actions between 2012 and 2018. She was replaced by Dominic Perrottet . New South Wales is bordered on the north by Queensland, on the west by South Australia, on the south by Victoria and on the east by the Coral and Tasman Seas . The Australian Capital Territory and the Jervis Bay Territory form a separately administered entity that is bordered entirely by New South Wales. The state can be divided geographically into four areas. New South Wales's three largest cities, Sydney , Newcastle and Wollongong , lie near

6789-689: The owner will receive a fine from the RDW ( Netherlands Vehicle Authority  [ nl ] ). The third-party vehicle insurance is called a WA verzekering where WA stands for Wettelijke aansprakelijkheid which means legal liability. In general there are three types of auto insurance in the Netherlands: WA verzekering (liability insurance), WA beperkt casco (limited frame coverage), and WA vollledig casco (full frame coverage). Limited frame and full frame coverage will provide more coverage against certain additional risks which are not covered by

6882-490: The place he named Sydney Cove (in honour of the Secretary of State, Lord Sydney ) on 26 January 1788. This date later became Australia's national day, Australia Day . Governor Phillip formally proclaimed the colony on 7  February 1788 at Sydney. Phillip, as Governor of New South Wales , exercised nominal authority over all of Australia east of the 135th meridian east between the latitudes of 10°37'S and 43°39'S, and "all

6975-643: The post in August 2016. Kevelighan succeeded Robert Hartwig, who had led I.I.I. since 2007; Hartwig left in order to become a faculty member in the University of South Carolina's Darla Moore School of Business , and director of the school's Risk and Uncertainty Management Center. This article about a business, industry, or trade-related organization is a stub . You can help Misplaced Pages by expanding it . Vehicle insurance Vehicle insurance (also known as car insurance , motor insurance , or auto insurance )

7068-439: The power to seize vehicles that do not have the necessary insurance in place, until the owner of the vehicle pays the fine and signs a new insurance policy. Driving without the necessary insurance for that vehicle is an offence that will be prosecuted by the police and will receive a penalty. The same provision is applied when the vehicle is standing on a public road. The minimum insurance policy covers only third parties (including

7161-540: The region. The Wodi wodi people, who spoke a variant of the Dharawal language, are the original custodians of an area south of Sydney which was approximately bounded by modern Campbelltown , Shoalhaven River and Moss Vale and included the Illawarra . The Bundjalung people are the original custodians of parts of the northern coastal areas . There are other Aboriginal peoples whose traditional lands are within what

7254-442: The settler population of New South Wales had grown to 180,000, not including the 70,000 living in the area which became the separate colony of Victoria in 1851. In 1856 New South Wales achieved responsible government with the introduction of a bicameral parliament comprising a directly elected Legislative Assembly and a nominated Legislative Council . William Charles Wentworth was prominent in this process, but his proposal for

7347-439: The state's south-west. Regional cities such as Albury , Dubbo , Griffith and Wagga Wagga and towns such as Deniliquin , Leeton and Parkes exist primarily to service these agricultural regions. The western slopes descend slowly to the western plains that comprise almost two-thirds of the state and are largely arid or semi-arid. The mining town of Broken Hill is the largest centre in this area. One possible definition of

7440-462: The terms of the Road Transport Act 1987. The insurance concerns the legal liability for death or physical injury to the third party (not include the passengers), so it is hardly ever written by insurers. This type is compulsory to buy for every vehicle so it is the most basic and common car insurance, which insures you against claims for the injury or damage to the third party or its property in

7533-498: The threat of invasion by Japan, which entered the war in December 1941. In May 1942 three Japanese midget submarines entered Sydney harbour and sank a naval ship, killing 29 men aboard. The following month Sydney and Newcastle were shelled by Japanese warships. American troops began arriving in the state in large numbers. Manufacturing, steelmaking, shipbuilding and rail transport all grew with the war effort and unemployment virtually disappeared. A Labor government led by William McKell

7626-426: The tourist industry in the Snowy Mountains . Agriculture, particularly the wool industry, is important throughout the highlands. Major centres include Armidale , Bathurst , Bowral , Goulburn , Inverell , Orange , Queanbeyan and Tamworth . There are numerous forests in New South Wales, with such tree species as Red Gum Eucalyptus and Crow Ash ( Flindersia australis ), being represented. Forest floors have

7719-465: The use of the insured vehicle. Comprehensive Motor Insurance is also available. The mandatory minimum legal requirement Third Party Liability ("TPL") Cover is MOP1,500,000 per crash and MOP30,000,000 per year, protecting against the legal liability arising from a traffic crash causing loss and damages to any third party. . Comprehensive Motor Insurance is also available. In the European Union , from

7812-543: The vehicle until it is insured. DPWKLLJ was introduced in 1964 and merely covers body injuries, and is operated by a SOE called PT Jasa Raharja (Persero)  [ id ] . DPWKLLJ is included, through an annual premium called the Compulsory Donation to the Road Traffic Accident Fund ( Indonesian : Sumbangan Wajib Dana Kecelakaan Lalu Lintas Jalan , SWDKLLJ ), in the annual vehicle tax which

7905-588: The vehicle, driving license copy, First information report copy, original estimate and policy copy. There are different types of auto insurance in India: Auto insurance generally includes: Auto insurance generally does not include: Third party insurance cover is mandatory under the Motor Vehicles Act, 1988. This cover cannot be used for personal damages. This is offered at low premiums and allows for third party claims under "no-fault liability". The premium

7998-588: The vehicle. Auto insurance is a compulsory requirement for all new vehicles used whether for commercial or personal use. Insurance companies have tie-ups with leading automobile manufacturers. They offer their customers instant auto quotes. Premiums are determined by a number of factors and the amount of premium increases with the rise in the price of the vehicle. The claims of the auto insurance in India can be accidental, theft claims or third party claims. Certain documents are required for claiming auto insurance, like duly signed claim form, Registration Certificate copy of

8091-470: Was able to transform this narrow one seat victory into landslide wins (known as Wranslides) in 1978 and 1981. After winning a comfortable though reduced majority in 1984, Wran resigned as premier and left parliament. His replacement Barrie Unsworth struggled to emerge from Wran's shadow and lost a 1988 election against a resurgent Liberal Party led by Nick Greiner . The Greiner government embarked on an efficiency program involving public sector cost-cutting,

8184-529: Was an increasing emphasis on public-private partnerships to deliver infrastructure such as freeways, tunnels and rail links. The Carr government gained popularity for its successful organisation of international events, especially the 2000 Sydney Olympics, but Carr himself was critical of the federal government over its high immigration intake, arguing that a disproportionate number of new migrants were settling in Sydney, putting undue pressure on state infrastructure. Carr unexpectedly resigned from office in 2005 and

8277-424: Was elected in May 1941. The McKell government benefited from full employment, budget surpluses, and a co-operative relationship with John Curtin's federal Labor government. McKell became the first Labor leader to serve a full term and to be re-elected for a second. The Labor party was to govern New South Wales until 1965. The Labor government introduced two weeks of annual paid leave for most NSW workers in 1944, and

8370-479: Was formed in 1885 but New South Wales declined to join. A major obstacle to the federation of the Australian colonies was the protectionist policies of Victoria which conflicted with the free trade policies dominant in New South Wales. Nevertheless, the NSW premier Henry Parkes was a strong advocate of federation and his Tenterfield Oration in 1889 was pivotal in gathering support for the cause. Parkes also struck

8463-598: Was one of the factors leading the Trades and Labor Council to form a political party. The Labor Electoral League won a quarter of seats in the NSW elections of 1891 and held the balance of power between the Free Trade Party and the Protectionist Party . The suffragette movement was developing at this time. The Womanhood Suffrage League of New South Wales was founded in 1891. A Federal Council of Australasia

8556-402: Was possible to travel by train from Brisbane to Adelaide via Sydney and Melbourne. The extension of the rail network inland also encouraged regional industries and the development of the wheat belt . In the 1880s trade unions grew and were extended to lower skilled workers. In 1890 a strike in the shipping industry spread to wharves, railways, mines, and shearing sheds. The defeat of the strike

8649-611: Was replaced by Morris Iemma , who remained premier after being re-elected in the March 2007 state election , until he was replaced by Nathan Rees in September 2008. Rees was subsequently replaced by Kristina Keneally in December 2009, who became the first female premier of New South Wales. Keneally's government was defeated at the 2011 state election and Barry O'Farrell became Premier on 28 March. On 17 April 2014 O'Farrell stood down as Premier after misleading an ICAC investigation concerning

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