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Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708
Copyright © 2013 Allianz Australia Limited ABN 21 000 006 226
MAC is the Motor Accident Commission of South Australia. MAC is a Statutory Authority established under the Motor Accident Commission Act 1992 and is accountable to the State Government and all South Australian road users.
In addition to providing a financially secure, affordable and equitable system of CTP insurance in South Australia, MAC also funds the South Australian road safety mass media campaign and supports road safety programs aimed at reducing deaths and injury on our roads.
For more information visit www.mac.sa.gov.au
Compulsory Third Party (CTP) Insurance provides compensation to crash victims where the owner or driver of a registered South Australian vehicle is at fault. It may also cover crash victims where a passenger is at fault.
An independent committee established under Section 129 of the Motor Vehicles Act, advises the Government on how much to charge for CTP Insurance premiums. The Committee determines rates on a fair and reasonable basis and allows for appropriate levels of funding and return so that MAC can continue to pay compensation to claimants.
The common forms of compensation payments are made for:
Reductions in compensation may apply in relation to:
The above fixed reductions are in addition to any other reductions for contributory negligence.
An insured person, who may be an owner, driver or passenger and who is deemed to be more than 25% responsible for a motor vehicle crash will need to pay an excess. The maximum excess can be located at:www.mac.sa.gov.au
Allianz may authorise payment on behalf of MAC for treatment expenses such as:
For information on entitlement to compensation for other treatment or services please contact Allianz.
The injured person (in the case of someone 16 years or older) is technically responsible for treatment expenses incurred prior to claims being settled. While Allianz has no legal obligation to pay accounts progressively, it does so on behalf of MAC, providing certain conditions are met. It is advisable to enquire about the cost of treatment and eligibility for progress payments before agreeing to treatment.
Allianz considers making progressive payments on treatment accounts on a case by case basis.
Payment of accounts by Allianz may occur when:
If there is any doubt, payment will be subject to further investigations or inquiries.
If you are deemed to be more than 25% responsible for a crash where someone was injured and have paid your CTP premium (via your registration), you will be required to pay an excess. This amount is indexed as at 1 January each year. The amount of the excess an insured person may have to pay will depend on the date the crash occurred. The maximum excess can be located at: www.mac.sa.gov.au
You will be also required to fully co-operate with Allianz, which may include completing an 'Accident Report Form' and returning it to Allianz. Penalties of up to $5,000.00 can apply for failing to co-operate with Allianz.
In some circumstances, the CTP compensation paid to the injured person may be recovered from you if, for example you:
The money recovered from you may include injury compensation and claims' management costs. This can amount to many thousands of dollars.
You could possibly make a claim against the Nominal Defendant. You can contact Allianz on 1300 137 331 if you have any queries.
No, you do not need legal advice, although your option to appoint legal representation remains.
The change to the SA CTP Scheme has introduced new thresholds for the reimbursement of legal fees. Legal costs through the CTP Scheme are no longer being awarded if the compensation payment is $25,000 or less. Limitations also apply to claims where the total amount of compensation is between $25,000 and $100,000.
Irrespective of the legal costs that may be recoverable, there will always be a component of any legal fee (usually called solicitor client fees) that is not claimable from the CTP insurer. Therefore, you should ask your solicitor to fully explain their billing practices. Your lawyer should provide you with the following information in writing: