Do I need CTP insurance in Western Australia?
Yes! It’s compulsory third party insurance, and it’s mandatory.
This is type type of car insurance that covers injuries sustained on the road in motor vehicle accidents.
How CTP insurance work in WA
The scheme is centrally managed by the Insurance Commissioner of Western Australia (ICWA). Whenever you register a road vehicle, or renew registration, a portion of the fees go towards paying for your CTP insurance.
It’s a fault based system, which means claiming your compensation, such as medical fees, rehabilitation costs, compensation for pain and suffering and loss of income as a result of the accident, is all about finding another party to be responsible.
The faulted party might be another motorist, a cyclist or a passenger who was in the car at the time.
The at-fault party will generally be on their own, and will not be able to claim compensation for injuries under this scheme.
The exception is catastrophic injuries which will typically require a lifetime of care, or have resulted in severe and permanent disability.
As of 1 July 2016, at-fault parties can now claim expenses for catastrophic injuries under this scheme.
Do I need any other cover
CTP insurance is the only mandatory type of car insurance, but it will not cover property damage, or damage to your own vehicle.
To cover liability for damage to other people’s property, you will need third party property car insurance.
To cover damage to your own vehicle, you will typically need comprehensive car insurance.