你仔细看看你的第三险政策呢我是AA的,他们公司条款的是如果对方责任且没有保险情况下,AA会支付不超过4000的修车费
Uninsured driver protection
If there's an accident and you weren't at fault but you can identify who was and they're uninsured, we'll pay up to $4,000 to repair your car. http://www.aa.co.nz/insurance/ca ... arty-car-insurance/