By paying the CTP insurance premium at the same time as vehicle registration, motor vehicle owners are protecting themselves from the financial impact if they, or someone using their vehicle, cause injury or death to other road users (including passengers, drivers or pedestrians) through use of the vehicle anywhere in Australia. For more information about CTP insurance in South Australia, click here.
Under common law (mainly the Civil Liability Act 1936 [SA]), claims for compensation under the Scheme must be the result of someone else’s negligent use of a motor vehicle. If a person is the at-fault driver in an accident, they are not able to make a claim against the Scheme for their own injuries. Click here to read about who is eligible to make a CTP claim.
Regardless of fault, the CTP Scheme provides cover for the necessary and reasonable treatment, care and support of children under the age of 16 years injured in an accident that occurred in South Australia on or after 1 July 2013. Please click here for more information.
Nominal Defendant claims
Nominal Defendant claims arise where the at-fault vehicle is either uninsured or unidentified, as described in Part 4 of the Motor Vehicles Act 1959. From 1 July 2016, the Regulator took over the role of Nominal Defendant (from the Motor Accident Commission) and began allocating Nominal Defendant claims to CTP Insurers, assuming full responsibility for these claims as of 1 January 2017.