If you are injured in an accident while driving or riding a Queensland registered vehicle interstate, CTP cover for your injuries depends on the law of the State or Territory where the accident happened.
- If the State or Territory is a fault-based CTP/ motor accident injury scheme and another driver or rider was at-fault in the accident, you will be eligible for compensation under the State or Territory’s CTP scheme;
- If the State or Territory is a fault-based CTP/ motor accident injury scheme and you were the driver or rider at-fault in the accident, you will not be eligible for compensation. This includes single vehicle accidents involving only your vehicle. Currently Queensland, South Australia and Western Australia have fault-based CTP schemes;
- If the State or Territory is a no-fault CTP/ motor accident injury scheme, you will be eligible for some compensation under the State or Territory’s CTP scheme regardless of whether you were at-fault in the accident. Currently Victoria, Tasmania, the Australian Capital Territory, and the Northern Territory offer varying benefits for at-fault drivers or riders, depending on the circumstances of the accident.
In all States and Territories, access to benefits may not be permitted where people are injured by their own serious wrongdoing, for example serious cases of negligence, criminal activity, intoxication, or self-harm. Benefits may also be reduced if an injured person does, or does not do, something that substantially contributes to their injuries.
Claim forms can be obtained from the relevant authority listed below for the state in which the accident occurred and then must be sent to the relevant CTP insurer:
- New South Wales – State Insurance Regulatory Authority (telephone 1300 656 919)
- Australian Capital Territory – Motor Accident Injuries Commission (telephone 132281)
- Victoria – TAC – Transport Accident Commission (telephone 1800 332 556)
- Northern Territory – Territory Insurance Office (telephone 1300 493 506)
- South Australia – CTP Insurance Regulator (telephone 1300 303 558)
- Tasmania – Motor Accidents Insurance Board (telephone 1800 006 224)
- Western Australia – Insurance Commission of Western Australia (telephone 1800 643 338)
If you are involved in an accident interstate and you are at fault or mostly at fault for the accident, your current CTP policy for your vehicle insures against liability or personal injuries caused by, through or in connection with the insured motor vehicle anywhere in Australia.