In Geelong, compulsory third party (CTP) cover operates through Victoria’s Transport Accident Commission (TAC) scheme, with the TAC charge included in vehicle registration costs rather than bought as a separate policy. It can cover reasonable treatment, rehabilitation and other eligible support for people injured in transport accidents, subject to Victorian rules and individual circumstances. CTP does not generally cover damage to vehicles or other property, so you may need comprehensive or third party property insurance for that. After an accident, contact the TAC and check the official TAC website for claim requirements; speak with your insurer about vehicle damage.