If you are in a vehicle accident

If you are in a vehicle accident, follow these four steps:

1. Seek medical attention if required.

If you are injured, seek medical attention. Call an ambulance if required.

2. Report your accident to Police within 24 hours.

If you have been in an accident, it is important that you report it to Police within 24 hours. If your motor vehicle is damaged, contact your motor vehicle insurer (if any) in respect of that damage.

Where a death has occurred, the accident must be reported to SAPOL within 90 minutes.

3. Notify the CTP Approved Insurer of the at-fault vehicle

Notify the CTP Approved Insurer of the at-fault motor vehicle by completing an Accident Report Form. If you are not sure of the at-fault vehicle’s insurer, go to ezyreg or contact the CTP Regulator for more information.

If you are the owner, person in charge of, or driver of a motor vehicle that is involved in an accident resulting in the death of, or bodily injury to a person, you must notify the insurer of the motor vehicle as soon as practicable, by completing and submitting an Accident Report Form.

4. Complete the required forms if you intend to make a claim for your injuries

If you intend to make a claim for your injuries, complete the required forms.

What if someone has died?

1. Report it to Police

Where a death has occurred, the accident must be reported to SAPOL within 90 minutes.

2. Notify the Insurer

If you are the owner, person in charge of, or driver of a motor vehicle that is involved in an accident resulting in the death of, or bodily injury to a person, you must notify the Approved Insurer of the motor vehicle as soon as practicable, by completing and submitting an Accident Report Form.

If you are at fault

You will be required to complete an Accident Report Form and return it to the Approved Insurer of the motor vehicle.

There are also a number of circumstances which may permit your insurer to recover from you the CTP Insurance compensation paid by them to the injured person. These circumstances include if you:

  • drove an unregistered vehicle;
  • were under the influence of alcohol or drugs;
  • were speeding or driving dangerously;
  • intentionally caused injury;
  • drove a vehicle without the owner’s permission;
  • don’t hold a current driver’s licence;
  • drove an unroadworthy or overloaded vehicle.

The money recovered from you may include injury compensation and claims management costs. This can amount to many thousands of dollars.

When are you unable to make a claim?

You are unable to make a CTP Insurance claim in South Australia if:

  • it relates to damage to your vehicle. The CTP Scheme does not cover motor vehicle damage;
  • the motor vehicle you were driving was the only motor vehicle involved in the accident and no one else was at fault (unless you meet the requirements stated above for children or for the Lifetime Support Scheme);
  • you were injured in an accident and the motor vehicle at fault was registered and insured by a CTP insurer in another state or territory – even if the accident occurred in South Australia (unless you meet the requirements for children). You may be able to make a claim with the relevant CTP insurance scheme in the State where the motor vehicle at fault is registered. Alternatively, you may qualify for the Lifetime Support Scheme.