The CTP Scheme
Compulsory Third Party Insurance (CTP) is paid at the same time as you pay your vehicle registration. It is compulsory for motorists to pay for CTP insurance with their vehicle registration.
By paying the CTP insurance premium, motorists are protecting themselves from potentially being liable for damages if they cause injury to other road users.
Our CTP Scheme is a fault-based scheme meaning those people injured through a motor vehicle accident may be eligible for compensation where the owner or driver or a passenger of the vehicle caused the accident.
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.
In South Australia, claims for compensation under the Scheme are fault-based common law claims as modified by statute, principally the Civil Liability Act 1936. The CTP insurance policy insures the “owner of the motor vehicle to which the policy relates, and any other person who at any time drives or is a passenger in or on the vehicle, whether with or without the consent of the owner, in respect of all liability that may be incurred by the owner or other person in respect of the death of, or bodily injury to, any person caused by, or arising out of the use of, the vehicle in any part of the Commonwealth”. (Section 104 (1) (a) of the Motor Vehicles Act 1959).
In 2015, the South Australian Government announced a market-based model for the private insurance sector to provide CTP insurance from 1 July 2016. After a rigorous process, four private insurers (Approved Insurers) were approved by the South Australian Government to provide CTP insurance. AAMI, Allianz, QBE and SGIC now underwrite the Scheme and manage the claims against their policies of insurance.
The CTP Scheme is complemented by the Lifetime Support Scheme (LSS). The LSS is a no-fault scheme which provides treatment, care and support for people who suffer very serious injuries in motor vehicle accidents in South Australia. The LSS is administered by the Lifetime Support Authority (LSA) under the Motor Vehicle Accidents (Lifetime Support Scheme) Act 2013.
Nominal Defendant Claims
Nominal Defendant claims arise where the at-fault vehicle is either uninsured or unidentified. From 1 July 2016, the Regulator began allocating Nominal Defendant claims to Approved Insurers, and from 1 January 2017 assumed full responsibility for these claims from MAC as part of its functions in Part 4 of the Motor Vehicles Act 1959.
Motor Accident Injury Assessment Scheme
On 1 July 2016, the administrative and financial responsibility of the Motor Accident Injury Assessment Scheme (MAIAS) was transitioned from MAC to the Regulator. MAIAS was established by the designated Minister (the South Australia Attorney-General) under section 76 of the Civil Liability Act 1936 to accredit health professionals to undertake Injury Scale Value (ISV) medical assessments and reports. Further information relating to MAIAS is contained within the CTP Regulator's Annual Report 2016-17.