CTP insurance is compulsory with vehicle registration and generally covers injuries to people caused by a road crash, not damage to vehicles or property. Rules, insurer choices and claim processes vary between states and territories, so check your registration authority’s official guidance before renewing or transferring a policy. Keep your registration and policy details handy, report crashes promptly, and avoid admitting fault or settling an injury claim without advice. For a serious accident, speak with your insurer, a qualified legal professional or the relevant state CTP regulator about the next steps.