What Is CTP Insurance in South Australia?
In South Australia, CTP (Compulsory Third Party) insurance is included with every registered vehicle. It covers injuries caused to others in a road accident — but not damage to vehicles.
So if you’ve been injured as a driver, motorcyclist, passenger, pedestrian, or cyclist, and the accident wasn’t your fault (or only partly your fault), you may be entitled to claim compensation under the at-fault driver’s CTP insurance.
Who Provides CTP Insurance in SA?
South Australia has five approved CTP insurers:
- AAMI
- Allianz
- QBE
- SGIC (NRMA)
- Youi
To find out which insurer covers the vehicle that caused your accident, you can use EzyReg, SA’s vehicle registration lookup system. All you need is the vehicle’s rego number.
Need help finding the right insurer? Talk to Mahony’s — we’ll handle it for you.
How to Lodge a CTP Claim (Step-by-Step)
1. Report the Accident
If anyone was injured in the crash, you must report it to SA Police. You’ll need the police report number to complete your claim.
Try to gather:
- Photos of the accident scene
- Contact details of witnesses
- A record of your symptoms and injuries
2. Identify the Correct CTP Insurer
Use EzyReg to check the rego number of the vehicle at fault. That will tell you which insurer to claim through.
Can’t find the rego? Driver fled the scene? Unsure who was at fault? You can still claim in many cases. Contact our team to find out how.
3. Complete the Injury Claim Form
This is a formal document that asks for:
- How the crash occurred
- The injuries you’ve suffered
- Medical treatment you’ve received
- Any income you’ve lost
- Your personal and financial details
Important: Incomplete or inaccurate forms can delay your claim — or reduce your payout. It’s smart to get legal help here.
4. Submit Within Time Limits
- You must notify the insurer within 6 months of the accident
- You must begin legal proceedings within 3 years (in most cases)
We recommend starting the process as early as possible to avoid complications. It also gives your legal team time to gather evidence and negotiate better outcomes.
What Compensation Can You Claim?
You may be eligible to claim for:
- Medical expenses — hospital bills, physio, medication
- Loss of income — including future earnings and super
- Pain and suffering — if your injuries meet certain thresholds
- Rehabilitation and ongoing care’
- Home or vehicle modifications
- Support services — like domestic help or transport
Every case is different. What you receive depends on the severity of your injuries, how they affect your work, and your recovery timeline.
Common Mistakes That Can Cost You
- Waiting too long to lodge your claim
- Not including all injuries (especially emotional or delayed symptoms)
- Accepting an insurer’s offer without legal advice
- Thinking you can’t claim if you were partly at fault
Good news: You can still claim even if you were partially responsible. We’ll explain how that works.
Talk to Mahony’s Lawyers Today
We’ve helped thousands of South Australians navigate the CTP claim process and secure fair compensation. We make it simple, stress-free, and no win, no fee.
You don’t pay unless we win.
Let’s help you get the payout you deserve.