Can I make a claim?
You can make a claim if:
- You are injured in an accident where the owner or driver of a registered SA vehicle is at fault.
- You are injured in an accident with a registered SA vehicle and that vehicle is at fault.
If the identity of the vehicle is unknown or the vehicle is unregistered you may still be able to make a claim against the Nominal Defendant. Contact the Allianz Australia SA - CTP Help Line 1300 137 331 for details on the purpose and function of the Nominal Defendant Scheme or if you already have a claim that is being managed under the Nominal Defendant Scheme you can contact the Scheme on (08) 7420 2691.
If the vehicle at fault was registered in another State or Territory other than South Australia you may be able to claim from the interstate CTP Insurer. A list of interstate CTP Insurance Authorities is listed below:
What are my entitlements if I am injured?
You may be entitled to:
- Reasonable medical and hospital and related expenses
- Lost time from work (excluding the first week)
- Pain and suffering - where the injured person cannot lead a normal life for at least 7 days or has medical bills of at least $2690 (indexed by CPI annuall
What circumstances can lead to me having my compensation reduced?
Your claim for compensation can be
reduced 50% or more if you ignore basic road rules.
Government legislation may reduce your entitlements:
| Seatbelts | (if you are 16 years or older)* |
| 25% off for not wearing a seatbelt as required by the law |
| Safety Helmets | (applies only if you are 16 years or older and there is a causal connection between not wearing a helmet and your injury.)* |
| 25% off if you do not wear a safety helmet as required by the law (if you are 16 years or older)* |
25% off if you are travelling as a passenger in a motor vehicle with a passenger compartment, but not within the compartment, and there is a causal connection between where you are riding and your injury. (Applies only if you are 16 years or older)*
Alcohol and Drug Use
Injured Drivers who are partly to blame for an accident
- 25% (or more) where your Blood Alcohol Content is between 0.08% and less than 0.15% or
- 50% off (or more) where your Blood Alcohol Content is 0.15% or higher
- 50% off (or more) where your ability to drive is impaired by alcohol or drugs so as to be incapable of exercising effective control of the vehicle.
Passengers (applies only if you are 16 years or older)*
- 25% off where the driver's Blood Alcohol Content is between 0.08% and 0.15%
- 50% off where the driver’s Blood Alcohol Content is 0.15% or more
For reductions to apply, the passenger must have been aware, or ought to have been aware, that the driver had consumed alcohol in such a quantity.
The reductions may apply on top of any other reductions for negligence. When more than one of the above applies the reductions are cumulative.
Am I liable to pay an excess?
In the event of an injury claim the car owner, driver or passenger who is assessed to be more than 25% responsible for the accident pays an excess of up to $300.
What medical compensation can I claim?
Compulsory Third Party Personal Injury Insurance may pay reasonable costs such as
- General medical
- Ambulance
- Physiotherapy
- Chemist
- Hospital
- Chiropractic
For information about entitlement and other services, contact the Allianz Australia SA - CTP Help Line on
1300 137 331 (cost of a local call from anywhere in Australia)
Do I have to pay my medical accounts?
- The injured person is responsible for paying all medical accounts. However, if you make a claim through Compulsory Third Party Personal Injury Insurance accounts may be paid progressively.
- CTP Personal Injury Insurance pays for the reasonable cost of treatment. The rates are governed by the WorkCover Fee Schedule and can be less than the fee charged by the medical provider. Be aware that you may have to pay a gap.
When does ALLIANZ AUSTRALIA pay medical accounts?
Payment of medical accounts may be made where:
- It is confirmed that your injuries and claims are covered by Compulsory Third Party Insurance
- You receive medical treatment as a result of the accident ; and
- A medical report or certificate confirms the need for treatment
If there is any doubt, payment will not be made until further inquiries are completed.
When should a driver report an accident to ALLIANZ AUSTRALIA?
You should report the accident to police within 24 hours. Drivers of South Australian registered vehicles involved in an accident where someone is injured should fill out an
Accident Report Form* (115KB) and lodge it with Allianz Australia.
Can recovery of costs be made from drivers at fault?
Drivers who are responsible for injuring another person may be required to cover compensation paid to a victim.
- This may apply in a number of situations, including:
- Where alcohol or drug use is involved
- Driving recklessly
- Deliberately causing an accident
- Driving an unroadworthy vehicle
