Generally Compulsory Third Party (CTP) personal injury insurance covers injury caused to third parties when you or the person driving your vehicle is the driver at fault in an accident. Third parties include your passengers and other road users, such as drivers, passengers of other vehicles, pedestrians, cyclists, motor cyclists and pillion passengers.
In some circumstances, the CTP compensation paid to the injured person may be recovered from you if, for example, you:
- Drove an unregistered vehicle;
- Were under the influence of alcohol or drugs;
- Were speeding or driving dangerously;
- Intentionally caused injury;
- Drove a vehicle without the owner's permission;
- Don't hold a current driver's licence; or
- Drove an unroadworthy or overloaded vehicle.
The money recovered from you may include injury compensation and claims' management costs.