​ሕግንና ደንብን በተመለከተ እርዳታ ማግኘት ይፈልጋሉን? - Amharic | هل تحتاج لمساعدة قانونية؟ - Arabic | ܤܢܝܼܩܵܐ ܝ݇ܘ̤ܬ ܠܗܲܝܵܪܬܵܐ ܩܵܢܘܿܢܵܝܬܵܐ؟ - Assyrian | Need Legal Help? - Auslan | Treba li vam pravna pomoc? - Bosnian | Burmese â Need Legal Help? | 需要法律帮助吗? - Chinese Simplified | 需要法律幫助嗎? - Chinese Traditional | Trebate li pravnu pomoć? - Croatian | ضرورت به کمک قانونی دارید؟ - Dari | Wïc Kuɔɔny në Wɛ̈t Löŋ? - Dinka | آیا به کمک حقوقی نیاز دارید؟ - Farsi | Gadreva na Veivuke Vakalawa? - Fijian | Kailangan ninyo ba ng tulong na panglegal? - Filipino | Besoin d’aide juridique ? - French | Χρειάζεστε βοήθεια σε νομικά ζητήματα - Greek | क्या आपको कानूनी सलाह चाहिए? - Hindi | Butuhkan Bantuan dalam Masalah Hukum? - Indonesian | Hai bisogno di assistenza legale? - Italian | ត្រូវការជំនួយលើបញ្ហាផ្លូវច្បាប់ឬទេ? - Khmer | 법적인 도움이 필요하십니까? - Korean | Ви треба ли помош со правни работи? - Macedonian | कानूनी सहयोग चाहिएको छ? - Nepalese | Necessita de ajuda com questões jurídicas? - Portuguese | Вам нужна юридическая помощь? - Russian | E Manaomia Fesoasoani i Mea Tau Tulafono? - Samoan | а ли вам треба помоћ у правним питањима? - Serbian | Ma u baahan tahay Caawimmad xagga sharciga ah?- Somali | ¿Necesita ayuda con cuestiones jurídicas? - Spanish | சட்ட உதவி தேவையா? - Tamil | ท่านต้องการความช่วยเหลือทางด้านกฎหมายไหม? - Thai | Fiema’u ha tokoni Fakalao? - Tongan | Yasal Danışmaya İhtiyacınız mı var? - Turkish | Cần Được Giúp Đỡ Về Luật Pháp? - Vietnamese |

​​

Types of car insurance

There are different types of c​ar insurance.

    ​Compuls​​ory Third Party (CTP)

    Every registered vehicle and motorcycle in Australia must have Compulsory Third Party (CTP) insurance. In New South Wales, this is also called a 'green slip'. You must show that you have CTP insurance to register your car.

    If you are the driver that caused a car accident, the CTP insurance for the vehicle you were driving will provide compensation to any person who has been injured or killed in the accident, including:

    • your passengers
    • other drivers and their passengers
    • pedestrians, cyclists and motor cyclists.

    CTP insurance also pays for a limited amount of medical expenses and loss of income for the driver at fault.

    Although CTP insurance is compulsory, not all policies are the same. If you have any questions about your CTP insurance, you should contact your insurance company. For more information, see Injuries and the State Insurance Regulatory Authority (previously the Motor Accidents Authority) website.

    Third party property

    Third Party Property insurance is optional. It will usually cover the owner or driver who caused an accident against claims for damage to other cars and property.

    If you were not at fault, and the driver who caused the accident was not insured for property damage, some third party property policies will pay a limited amount for repairs to your own car. You must be able to identify the driver who caused the accident.

    Some third party property policies also provide cover for theft of your car or damage by fire to your car.

    Comprehensive

    Comprehensive car insurance is optional. It will usually cover the owner or driver for damage to their car and damage to other vehicles or property, regardless of whether they are at fault.

    If you are the 'at fault' driver and are charged by the police for being under the influence of drugs or alcohol at the time of the accident, your insurance company may refuse your claim. For some other reasons why your insurance company may refuse your claim, see Complaints about insurance company decisions.

    Alert Icon You should always check the terms of your insurance policy or the Product​ Disclosure Statement (PDS).

    For more information, see Insurance - Frequently Asked Questions.

    Driver pointing out damage to mechanic

    Further inform​​ation

    State Insurance Regulatory Authority (previously the Motor Accidents Authority) claims