The way you’re covered by compulsory personal injury insurance if you’re involved in a motor accident in the ACT is changing from 1 February 2020. Under a new scheme, Canberrans will receive fairer, faster and more comprehensive support if they are injured in a motor vehicle accident.
Everyone who is injured in a motor vehicle accident will be entitled to receive treatment, care and lost income benefits for up to five years – no matter who was at fault. This is different to the current scheme that only covers people injured by an at-fault driver (third parties).
To reflect the change, the name of the scheme is changing from Compulsory Third Party Insurance, or CTP, to the Motor Accident Injuries scheme.
The new scheme delivers:
- fair coverage for all road users
- equitable access to treatment and care for people who are injured
- quick and transparent benefits to get recovery underway as soon as possible
- comprehensive and ongoing support for those who need it most.
You don’t need to do anything to be covered under the new scheme. If you own a motor vehicle registered in the ACT, your existing CTP insurance policy that you pay for when you register your vehicle will become a Motor Accident Injuries policy.
You can find out more about the new Motor Accident Injuries scheme on this website. More information about the process of making an application for benefits will be available when the scheme is in operation from 1 February 2020.
If you are injured in a motor vehicle accident, the scheme you are covered under depends on the date of the accident, not the date of the claim. If you have just had an accident, the new scheme will not apply to you. Any claims for accidents that occurred before 1 February 2020 will be managed under the Compulsory Third Party (CTP) insurance scheme, regardless of when the claim is made. Visit Treasury website to find out more about the CTP scheme.
- Reasonable and necessary treatment and care.
- Income replacement for time off from paid employment.
Find out more about the benefits.
Premiums are ‘community rated’ and subject to government regulation. Find out more about premiums and how they are set.
A new statutory authority, the Motor Accident Injuries Commission (MAIC) will provide oversight for the new scheme. Find out more about the MAIC.