It’s important to know that if you’re involved in an at-fault accident, the amount of coverage you receive and your eligibility to make a claim can vary based on your insurance policy. To understand the terms and conditions, read your insurance PDS carefully.
Here’s a breakdown of what to expect based on your policy type:
With CTP Insurance, you’ll be covered for personal injury claims made against you in the event of an accident involving pedestrians, cyclists, or other drivers. However, this won’t cover damage to your vehicle or the other drivers.
Third Party Property Damage Insurance may cover damage caused to another person’s vehicle or property, but won’t cover your own vehicle. You may opt for Fire and Theft Cover to protect against theft, fire damage, or attempted theft.
With Comprehensive Car Insurance, you’ll be covered for damage to your vehicle in the event of an accident, regardless of who’s at fault.
It’s worth noting that coverage may vary from insurer to insurer and from state to state, so be sure to do your research and check your PDS for full details on your specific policy.