Compulsory Third Party (CTP) insurance generally covers injuries or death caused by a motor vehicle accident, including reasonable treatment, rehabilitation and some related losses, depending on your state or territory scheme. It usually does not cover damage to vehicles or other property, which may require third-party property or comprehensive car insurance. To claim, report the crash to the relevant authority and follow your state or territory insurer’s process as soon as possible. Eligibility, time limits and benefits vary, so check your government CTP website or speak with a qualified legal or insurance professional.