Knowledge base

What Does CTP Insurance Cover?

If you are involved in a motor vehicle accident and you are at fault, Compulsory Third Party (CTP) Insurance will cover you for personal injury claims made by other drivers, passengers, pedestrians and cyclists who were involved in the accident.

Starting a CTP insurance claim

It will also cover you for your own personal injuries if you were not at fault, or only partially at fault for the accident. All vehicle owners in Australia must pay CTP insurance as part of their vehicle registration.

Injured? Get expert advice now: Smith's are Queensland's only 100% risk-free injury compensation lawyers. Insist on our 'No Win. No Fee. No Catch' ® promise. Check your rights with no risk or obligations now and talk direct to our Principal lawyer, Greg Smith. Call 1800 266 801 OR  check if you can claim

What injuries can I claim under CTP insurance?

Compensation can be claimed by any injured person in a motor vehicle accident under CTP insurance.

Injured persons can claim compensation for:

Medical care under CTP insurance
  • medical treatment
  • rehabilitation
  • loss of income
  • care and support services
  • general damages for pain and suffering (for severe injuries).

Does CTP pay for medical costs relating to injury recovery?

Yes. CTP insurance covers the costs of medical treatment, rehabilitation and care services.

CTP insurers are required by law to ensure that your medical and rehabilitation needs are met during your claim. They fund treatments such as physiotherapy, surgery, specialist treatments, hospitalisation, counselling medical aids and devices, home and vehicle modifications and domestic assistance when required

Does CTP cover for loss of income?

Yes. If you are injured and cannot work, CTP insurance will compensate you for loss of income.

Does CTP cover the ‘at fault’ driver?

CTP Insurance will cover ‘at fault’ drivers for personal injury compensation claims made by others but will not cover the ‘at fault’ driver for his or her own injuries.

CTP insurance claim after car accident

If you are injured in a motor vehicle accident and it was totally or partially due to the fault of another driver or vehicle owner you can claim on the CTP Insurance of the vehicle that caused the accident. Special conditions apply in the case of colliding with a stolen car or while you are driving a rental.

If you are injured in a motor vehicle accident for and you were partly at fault you can still make a claim however the amount of compensation you are able to claim may be reduced.

If you are injuries in a motor vehicle accident and you are totally at fault, or no one was at fault for the accident, you may not be able to claim compensation through CTP Insurance.

Can I claim compensation if my relative died in a motor vehicle accident?

Yes, in some cases. A relative or dependent of someone who is fatally injured in a motor vehicle accident may also claim expenses such as funeral costs or financial loss which results from the death of an income provider.

Does CTP cover damage to other vehicles?

No. CTP Insurance only covers personal injuries, it does not cover damage to vehicles.

For example if the rear panel of your vehicle was badly dented during an accident, CTP would not cover the cost of panel beating to restore your vehicle.

Property damage caused by motor vehicle accident

Does CTP cover other property damage?

No. CTP Insurance only covers compensation for personal injuries, it does not cover property damage.

For example, if your vehicle smashed through the front fence of a property in the course of an accident, CTP would not cover the cost of repairing the fence.

For more info, see How to lodge a CTP claim.

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Last update on:
June 1, 2021
Disclaimer: This information is designed for general information in relation to Queensland compensation law. It does not constitute legal advice. We strongly recommend you seek legal advice in regards to your specific situation. For expert advice call 1800 266 801 or chat via live chat to arrange free initial advice with our Principal lawyer, Greg Smith.

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It’s important to get advice for your specific situation. Check if you can make a risk-free compensation claim and get free initial advice from our Principal lawyer, Greg Smith.

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