What does CTP Insurance Cover?
Your CTP Insurance is more valuable than you think – even if you are the at-fault driver. See our handy guide below. Sometimes there are mitigating circumstances (for example ‘contributory negligence’), so jump in and contact us with questions. We are happy to give you a FREE consultation with one of our experienced personal injury lawyers.
If you are the
NOT at-fault driver
Upfront funded medical treatment and travel expenses to obtain treatment. Compensation available for future medical treatment, treatment expenses such as medication and rehabilitation, domestic assistance (if needed), past and future economic loss (including time off work), and damages for ‘pain and suffering’.
YES
Passengers in the car of the “at fault” driver?
Upfront funded medical treatment and travel expenses to obtain treatment. Compensation available for future medical treatment, treatment expenses such as medication and rehabilitation, domestic assistance (if needed), past and future economic loss (including time off work), and damages for ‘pain and suffering’
YES
At Fault Driver
In general no, but if the injury is severe the National Injury Insurance Scheme may be able to assist with treatment, care and support. https://niis.qld.gov.au/about-niisq/are-you-eligible/
NO
At Fault Driver
Protects from financial claims for injuries caused to others in the car crash.
YES
‘Not-at-fault’ pedestrians & cyclists who are injured by a vehicle.
Upfront funded medical treatment and travel expenses to obtain treatment. Compensation available for future medical treatment, treatment expenses such as medication and rehabilitation, domestic assistance (if needed), past and future economic loss (including time off work), and damages for ‘pain and suffering’.
YES
Driver in a “blameless accident.”
Coverage of injuries in a “blameless” accidents e.g. the driver has medical episode, crashes whilst trying to miss an animal on the road, a tyre blowout, rocks thrown at windscreens or a single-vehicle crash.
If the accident is severe, the National Injury Insurance Scheme Queensland can provide support
NO
Passengers in a “blameless accident.”
Coverage of injuries from a “blameless” accident eg- injuries from the driver having a medical episode or crashes whilst trying to miss an animal on the road, a tyre blows out, rocks thrown at windscreen, a child running out onto the road or single-vehicle crash.
Depends – Contact us for an assessment.
Other
Coverage to injuries whilst using non-registrable vehicles such as bicycles or skateboards.
NO
Property Damage
Damage to any vehicle or other property in a crash.
NO
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