There are different types of car insurance.
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:
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 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 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.
You should always check the terms of your insurance policy or the Product Disclosure Statement (PDS).
For more information, see
Insurance - Frequently Asked Questions.
State Insurance Regulatory Authority (previously the Motor Accidents Authority) claims