Apportionment damages Act 34, 1956, Short-term Insurance. Understanding of this Act will disappoint you. Those having car Insurance take note: should you be in a car accident even though it’s not your fault, according to this act the other Parties(3rd Party) Insurer may keep you up to 40% liable for the damages their client caused. It is law. So if you have Insurance or not try to avoid an accident. If you don’t have Insurance you are even worst off. This Act does not apply unless your car is parked. Appoint AMEW as your Broker for greater protection and advice.