Key map · six pages
Find your crash on the map
Australia’s motor accident injury schemes treat a passenger, a cyclist, a motorcyclist or a family after a death in different ways, and each state and territory writes its own rules. This guide is a map book of those differences: one page for each kind of crash, every rule taken from the scheme’s own pages.
A guide by Dotto. Not a law firm. Nothing here is legal advice, and the guide does not act for anyone or recommend lawyers or insurers. Each page names the official place to check.
The six map pages
- 1Injured as a passengerWhose insurer a passenger claims against, and when a claim is reduced or excluded.
- 2Cyclists and pedestriansPeople outside the vehicle, and the crashes with no motor vehicle in them.
- 3Motorcycle crashesRiders, pillions, single-vehicle crashes and the serious-injury schemes.
- 4Hit-and-run and unidentified vehiclesThe Nominal Defendant, and what to do when the other vehicle is gone.
- 5Crashes in a work vehicleWhere the motor accident scheme and workers compensation meet.
- 6After a fatal crashSupport for families, and what a family may be able to claim.
Each map page goes state by state. Pages join at their edges, so you can walk from one to the next.
KEYHow to read a map page
- B2
- A grid square. Sections of a map page carry one, and the gazetteer below points to them.
- A route: steps in the order they usually happen.
- A worked example. These are invented to show how a rule works, and say so.
- →
- The page edge. “Joins map 3” takes you to the neighbouring page.
Every rule on a map page is stated from the official page of that state’s scheme, and the sources are listed at the foot of each page. Where a scheme’s page doesn’t cover a question, the map page says so rather than guess.
INDEXWho runs the scheme in each state and territory
The scheme that applies is usually the one where the crash happened. These are the bodies whose pages this guide is built from.
| Where | Body | Start here |
|---|---|---|
| QLD | Motor Accident Insurance Commission (MAIC) regulates the CTP scheme | Can I claim? |
| NSW | State Insurance Regulatory Authority (SIRA) | For individuals and their families |
| VIC | Transport Accident Commission (TAC), a no-fault scheme owned by the Victorian Government | What is a TAC claim? |
| SA | CTP Insurance Regulator | Who can claim |
| WA | Insurance Commission of Western Australia | Motor injury insurance |
| TAS | Motor Accidents Insurance Board (MAIB) | How we can assist you |
| ACT | Motor Accident Injuries Commission, for the Motor Accident Injuries (MAI) Scheme | Who is eligible |
| NT | Motor Accidents (Compensation) Commission, for the no-fault MAC Scheme; claims are administered by TIO | About the MAC Scheme |
A–ZGazetteer
Like the street index at the back of a directory: a term, then the map page and grid square where it is explained.
- Children in the carMap 1 · D4
- Counselling for familiesMap 6 · D4
- DependantsMap 6 · C3
- Dual insuranceMap 5 · D4
- E-scooters and e-bikesMap 2 · D4
- Funeral costsMap 6 · B2
- HelmetsMap 3 · D4
- Interstate tripsMap 1 · E5
- Journey accidentsMap 5 · A1
- Lifetime care schemesMap 3 · C3
- Nominal DefendantMap 4 · A1
- Parked carsMap 2 · C3
- Pillion passengersMap 3 · A1
- Searching for the vehicleMap 4 · B2
- SeatbeltsMap 1 · B2
- Single-vehicle crashesMap 3 · B2
- Trail bikesMap 3 · E5
- Unregistered vehiclesMap 4 · D4
NOTEAbout this guide
This is a plain-language guide by Dotto. It is not a law firm and has no lawyers, and it is not an insurer or a government body. It does not take on claims, recommend anyone or tell you what to do in your own matter.
What it can do is put the schemes’ own words side by side, so the differences between states are easier to see. The scheme for the state or territory where the crash happened can tell you how its rules apply, and a lawyer can tell you whether you have a claim and what it might be worth.