Motor Injury Insurance
Compulsory Third Party (Motor Injury) Insurance (CTP)
CTP Insurance is the most important insurance you can have and that’s why it’s mandatory in South Australia – heavy penalties apply if a vehicle is driven or found on a road without CTP. Once a vehicle is registered, part of the fee goes towards CTP, so you’re automatically covered without having to do anything except pay your registration.
At the very least your car, or the car your child is driving, must be registered and automatically covered for CTP.
CTP Insurance provides compensation for personal injury to people injured in road crashes where the driver or owner of a South Australian registered vehicle is at fault. It may also cover crash victims where a passenger is at fault.
By paying your CTP premium you are protecting yourself from potentially being sued for damages if you cause injury to third parties.
Compensation payments are funded by CTP insurance premiums paid by all SA motorists as part of their vehicle registration.
South Australia's CTP insurance scheme includes reasonable treatment and other expenses.
The scheme does not:
- Provide full compensation to persons who contribute to their injuries. For example, by not wearing a seatbelt.
- Compensate the injured driver who is entirely at fault.
- Cover damage to vehicles.
MAC’s Claims Manager, Allianz Australia Limited, is responsible for processing all CTP claims and handling enquiries.
An injured person (or their relatives) should contact Allianz as soon as possible following a crash. Allianz can provide advice about whether the injured person is eligible to make a CTP claim.
MAC’s Claims Manager, Allianz Australia Limited, is responsible for processing all CTP claims and handling enquiries.
An injured person (or their relatives) should contact Allianz as soon as possible following a crash. Allianz can provide advice about whether the injured person is eligible to make a CTP claim.
For further information about the legislation that governs MAC and the CTP Scheme visit ourlegislation page.
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