A critical analysis of provisions relating to compulsory third party insurance under part VII of the road traffic Act No.11 of 2002
It is estimated that over three quarters of a million people are killed and tens of millions are injured on the roads in low-income countries each year* and Zambia is no exception. Many, if not most, will come from poor households particularly vulnerable to the risk of road trauma and its economic consequences. Therefore, while road safety is traditionally focused on prevention activities, fair and timely compensation systems will help bereaved families and injured victims recover from the shock of a road traffic accident. In this vein, the Zambian parliament has put in place prescriptive measures requiring motor vehicle and trailer owner to have a policy of insurance or a security in respect of third party risks.Consequently, this paper gives a critical analysis of provisions relating to compulsory third party insurance under Part VII of the Road Traffic Act No. 11 of 2002. The paper is divided into four chapters.Chapter One discusses the emergence and development of insurance law in Zambia. It goes further and discusses the nature of compulsory third party insurance and its legal implications under the Road Traffic Act No. 11 of 2002.Chapter Two critically analyzes Part VII of the Road Traffic Act No. 11 of 2002 and discusses the adequacy and limitations of provisions relating to compulsory third party insurance.Chapter Three looks at the extent to which compulsory third party insurance under the aforementioned Act is observed in Zambia.Finally, Chapter Four gives the summary, recommendations and conclusion of the paper.
Agency(law)-Zambia, Third Parties(Law)-Zambia
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