How to make a Compulsory Third Party (CTP) or Motor Accident Injuries (MAI) Insurance claim
What are CTP and MAI Insurance?
CTP and MAI Insurance are compulsory types of insurance for vehicles registered in Australia. If your vehicle is registered in the Australian Capital Territory (ACT), you will need MAI Insurance, whereas if you register your vehicle elsewhere in Australia, you will need CTP insurance. In New South Wales (NSW), CTP is also commonly called a ‘Green Slip’ and must be purchased separately before you register your vehicle.
CTP and MAI Insurance both provide cover for injuries arising from a motor accident involving your vehicle. This might include injuries to the driver of your vehicle, drivers of other vehicles, passengers in your vehicle or in other vehicles, pedestrians, cyclists and motorcyclists. Depending on the circumstances of the accident and where the accident takes place in Australia, injuries to the driver of the vehicle most at fault for the accident may not be covered.
Being involved in an accident can be stressful however, there is some relief in knowing that if you are involved in a motor accident, CTP and MAI Insurance may protect you against some or all of the medical and other costs.
CTP and MAI Insurance don’t cover the cost of loss or damage to vehicles or property. See what types of cover we have to find one that suits you. Insurance must be purchased before the accident happens for it to be covered.
How do I make a CTP or MAI Insurance claim?
How you make a CTP or MAI Insurance claim will depend on the state or territory where the accident happened — which may be different from where you live or where your vehicle is registered. For example, if you live and have your vehicle registered in the ACT but are injured in a motor accident on NSW roads, you would need to make a NSW CTP claim. Please see the process below on how to lodge a NSW CTP claim.
How to make a CTP claim in NSW
Anyone who is injured in a motor accident in NSW can make a CTP claim, regardless of who was at fault for the accident. You can make a CTP claim through the insurer of the vehicle most at fault.
You should make the claim within three months of the accident, or within 28 days if you intend to claim for loss of earnings.
Before you begin your claim, you’ll need:
- your policy number
- the registration number of your vehicle
- details about what happened
- any photos or documents related to the claim, and
- details of any other people involved.
If you’ve been injured in an accident:
- Report the incident to the police if they didn’t attend the accident. You can report the accident online or at a police station within 28 days of the motor accident.
- Seek medical treatment and request a Certificate of Fitness from your General Practitioner (GP).
- Contact the insurer of the at fault or most at fault vehicle to make your claim. If you’re not sure who that is, you can use the online tool CTP Connect to find out. You can also call us and we can help you identify the insurer. You’ll need the licence plate number of the vehicle at fault.
- If you think you’re at fault, contact your insurer. Apia customers can call us on 13 50 50 and we will help you with your claim.
How to make a MAI Insurance claim in the ACT
Anyone who is injured in a motor accident in the ACT can make a MAI Insurance claim, regardless of who was at fault for the accident. You can make a MAI claim through the insurer of the vehicle most at fault.
You should make the claim within 13 weeks of the accident date.
To make a MAI Insurance claim for an accident that took place on or after 1 February 2020:
- Note the registration number of the at fault vehicle.
- Report the accident to the police.
- Seek medical treatment and get your GP to complete a Motor Accident Medical Report
- Fill out a Personal Injuries Benefit Application form
- After you complete the above steps, send the completed forms to the insurer of the vehicle most at fault. If you are unable to identify the insurer of the vehicle most at fault, you can email the application form(s) to us at actmaiclaims@apia.com.au or send them to:
Apia Mail Insurance Claims
GPO Box 706
Canberra ACT 2601
If your accident took place before 1 February 2020, a different process applies. Please follow the steps outlined on our ACT MAI Claims page, or contact us on 13 50 50 and we’ll be happy to help.
How to make a CTP claim in the Northern Territory (NT)
In the NT you can make a Motor Accidents Compensation claim regardless of who was at fault, where you reside, and where the at fault vehicle was registered. If you are injured on NT roads, you can make a claim by contacting the Territory Insurance Office (TIO) as soon as possible. Links to relevant forms can be found on the TIO page.
How to make a CTP claim in Victoria
In Victoria, you can make a CTP claim with the Transport Accident Commission (TAC) if you are injured in a motor vehicle accident. According to the TAC, before making a claim, where possible collect information such as:
- details of the accident, like the location, injuries, and circumstances
- registration plates of the vehicle/s at fault or most at fault
- names of the drivers
- the time and date of the accident
- the details of the medical professional who treated your injuries
- your employment details if you’ve had more than five days off due to the accident, and
- your bank details.
To make a CTP claim in Victoria:
- use the TAC’s online lodgement form, or
- call 1300 654 329, or
- if you’re in hospital as a result of the accident, some hospitals can lodge a claim on your behalf.
How to make a CTP claim in South Australia
You can claim online in South Australia. To claim you should:
- get your medical practitioner to fill out a Voluntary Medical Certificate for you to submit with your claim
- contact the CTP insurer of the vehicle most at fault — you can use ezyreg to find a vehicle’s CTP provider, and
- lodge an injury claim form to the CTP insurer within six months of the accident.
How to make a CTP claim in Tasmania
- Complete an Application for Benefits form within 12 months of the accident.
- Sign and date the form. You can return it by email, post, or in person — as shown on the form.
How to make a CTP claim in Queensland
In Queensland, if you’re injured in a motor vehicle accident and want to make a CTP claim, you should take the following steps:
- Report the accident to the police if you’re the driver and someone is injured
- If you want to make a CTP claim and the accident is not yet reported, complete a Report of Traffic Incident to Police form and return it to a police station
- Have your medical practitioner complete a Medical Certificate for you to submit with your claim
- You can make your CTP claim online by filling out the Electronic Notice of Accident Claim form. You can also search for the insurer of the at fault vehicle within this form (you’ll just need their registration number).
How to make a CTP claim in Western Australia
- If you’re in Western Australia and you’ve been injured in an accident, report the accident and injury to the Online Crash Reporting Facility.
- If your injury was minor and was the fault of another driver, the Insurance Commission of Western Australia can provide you with a treatment number to give your medical practitioner, or you can send receipts for treatment reimbursement to ctp@icwa.gov.au. You’ll just need to write the treatment number and your full name in the subject line.
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Australian Pensioners Insurance Agency Pty Ltd ABN 14 099 650 996 AR 239591 is an authorised representative of AAI Limited ABN 48 005 297 807 AFSL 230859, the product issuer. Please consider the Product Disclosure Statement and Additional Information Guide (AIG) before buying this insurance. Limits, exclusions and conditions apply.
This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.
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