top

Who is Covered?

Home » CTP Insurance » Who is Covered?

Crash victims where the owner, driver or passenger of a registered South Australian vehicle is at fault.

CTP Insurance:

  • covers passengers, pedestrians, cyclists and other road users.
  • provides cover 24 hours a day, Australia wide.
  • compensates for reasonable treatment and other expenses.

It does not:

  • provide full compensation for persons who contribute to their injuries.
  • cover injuries to the driver who is entirely at fault.
  • cover damage to vehicles.

If you have been involved in a crash and would like to know about making a claim, visit Been in a crash?

Think twice about taking risks on the road. It may cost you more than you think.

If you cause a crash and injure someone, the money paid to the injured person may be recovered from you if, for example:

  • you’re under the influence of alcohol or drugs,
  • you drive recklessly, including if you drive at an excessive speed,
  • you intentionally cause injury,
  • you drive a vehicle without the owner’s permission,
  • you don’t hold a current driver’s licence,  or  
  • you drive an unroadworthy, unregistered or overloaded vehicle.

An excess of up to $300 may also apply.

The money recovered from you may include injury compensation and claims management costs. This can amount to many, many thousands of dollars.

If you are injured in a crash, even if it wasn’t your fault, your Compulsory Third Party claim may be reduced if:

  • you weren't wearing a seatbelt,
  • you weren't wearing a helmet whilst riding a bicycle or motorbike,
  • you were riding in the back of a van, utility etc, or
  • you (or your) driver had consumed alcohol or drugs, or
  • you were deemed to contribute to the crash.

Click here for information on how you could be affected and visit the FAQ section.

^ Top ^