Why do I have to have CTP insurance?
Thousands of people are involved in motor vehicle accidents every year. If injured, they'll need medical attention and often rehabilitation. CTP Insurance covers you by providing compensation to other people injured in a motor vehicle accident caused by a negligent driver. Those 'other people' could be other drivers, passengers (in your car and other vehicles), pedestrians, cyclists and motorcyclists - basically anybody hurt as a result of the accident, except you, if you're the at fault driver.
If someone cannot work as a result of the accident, they may even need money to live on. CTP insurance was made compulsory to protect these people who are injured through no fault of their own, and to protect the individual who caused the accident from having to pay the cost of these claims from their personal assets.