A CTP insurance guide should explain that compulsory third party insurance covers certain injuries or deaths caused by a vehicle crash, but generally does not cover damage to cars or other property. Rules, claims processes and insurer choices vary between Australian states and territories, and CTP is usually linked to vehicle registration. Check your state or territory’s transport authority and the relevant policy documents for details about cover, deadlines and how to make a claim. For complex injuries or disputes, consider speaking with a suitably qualified legal or insurance professional.