CTP is compulsory third party insurance, which covers the driver of the insured vehicle for injuries sustained by a third party in case of an accident where they are at fault. This is a component on the registration renewal (and you do have the option of picking your own insurer) and does not cover damage to vehicles.
Third party property is an optional choice you make with your own insurance that you take out, should you choose to do so, be it only third party property or comprehensive that includes damage to your own vehicle as well as others.
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23-04-2012 13:33 #41
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share a book (23-04-2012)
23-04-2012 13:44 #42
The CTP, not the third party which you may choose to take out on your car against damage to another person's vehicle.
In Australia insurance on a vehicle isn't compulsory for it to be registered (I believe this is the case in some other countries).
Anyone in any other state know if you can choose if another insurer can handle any CTP claims? As I said - definitely not the case in states I've worked in.
23-04-2012 14:24 #43
In NSW when registering a car it is compulsory to have whats called a ‘green slip’ when registering your car. There are three (I think) insurers who you can get them off (I got mine from CGU)... this is completely different to the NT where your CTP is included in your registration cost.
DH & I bought a car when we were down there. We had to go to CGU to get a green slip, then take that along with the registration papers to vehicle authority to register the car. I think for a 1996 holden Barina it ended up costing us about $900 for the 12months (thats off the top of my head, might of been less!). We only paid $400 for the car! lol!
I dont know HOW to actually claim whenyou need to access this, whether you claim through the other persons insurer or via acommison/authority in place to deal (in the NT we deal thru the insurer TIO who deal with all MACA claims), but thats my experience with the two states and their CTP insurance.
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23-04-2012 14:50 #44Senior Member
- Join Date
- Jan 2009
Once you lodge your claim with the CTP insurer, if liability is not in question, then the CTP insurer will often make payments directly to the claimant's physio or other health care provider. So the cheque would come from Suncorp, NRMA, RACQ etc. If the insurer doesn't pay at the time, then the medical expenses will be added onto the settlement amount paid to the claimant.
I've only worked in plaintiff personal injuries, so I don't know the exact logistics of how MAIC operate, but my understanding is they manage the scheme, but the premiums are distributed to each of the 5 or 6 insurers (as selected when you register) and then the relevant insurer is responsible for it. But as solicitors we would only deal with the insurer, not MAIC.
I've not worked in other states though.
eta; fixed CPD to CTP, sorry.
Last edited by MsMummy; 23-04-2012 at 15:28.
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23-04-2012 18:59 #45
Yep, I got a hernia from heavy lifting at a previous employer. No one at this workplace was ever taught safe manual handling. I was only paid for the cost of my operation, which is all I wanted. I was treated very badly by the married couple who owned the business because my claim would have increased their insurance premium.
23-04-2012 22:06 #46
I slipped over on a puddle of water in a Coles super market when I was around 36 weeks pregnant with DD and fell on my hands and knees but thank fully neither of us were hurt. I don't know why but I was so embarrassed that I actually didn't even look around, I just got up and kept walking but did mention it to the check out chick when I was leaving.
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