CTP (compulsory third party) insurance is required for registered vehicles and generally covers injuries to people caused by the use of your vehicle, including drivers, passengers, pedestrians and cyclists. It can help with eligible medical expenses, rehabilitation, lost income or compensation, depending on the state or territory scheme and the circumstances of the crash. CTP does not usually cover damage to vehicles or other property, which may require comprehensive or third party property insurance. Rules, insurer arrangements and claim processes vary, so check your state or territory’s official transport or CTP authority for guidance.