Am I covered in an at-fault accident?
If you’re in an at-fault accident, the level of cover you’ll receive and whether you’ll be able to make a claim can depend on your level of insurance. Read your PDS for conditions and exclusions. Generally, if you have:
- CTP Insurance, you’ll be covered for the costs of personal injury claims made against you in the event of a motor vehicle accident where pedestrians, cyclists, or other drivers are involved. This doesn’t include damage to your vehicle and the other driver’s, though.
- Third Party Property Damage Insurance, you may give you cover for damage caused to another person’s vehicle or property, but will not cover damage to your vehicle. If you’ve chosen Fire and Theft Cover as an optional extra, you may be covered if your car is stolen or damaged by fire or attempted theft.
- Comprehensive Car Insurance, you may be covered for any damage to your vehicle in the event of an accident, whether you’re at fault or not.
Cover may vary from insurer to insurer or from state to state. For more information on your cover, read the PDS.