What is the MAC?
The MAC is the Motor Accident Commission of South Australia. It was responsible for CTP insurance claims for accidents that occurred before 1 July 2016. CTP insurance is now the responsibility of various private insurers. MAC continues to be responsible for road safety education, research and projects, but no longer has an insurance division for more recent claims. If your accident was before 1 July 2016, MAC will be the insurer responsible for your claim. From 1 July 2019, MAC ceased to exist.
Who is my CTP Insurer?
From 1 July 2016, five insurers have taken over CTP insurance in South Australia: Allianz, AAMI, QBE, NRMA (SGIC) and Youi. Every driver with CTP insurance is allocated an insurer. Your vehicle registration papers include the name of your allocated insurer. You can also contact the CTP Personal Injury Helpline on 1300 303 558 for more information or review via the SA Gov Compulsory Third Party (CTP) Insurer Search at EzyReg – CTP Insurer Search
What happens if I had a motor vehicle accident in another state or territory?
Each state and territory has laws about motor accident compensation. The laws of the state or territory in which the accident occurred will apply to your claim, and they may be different from South Australian laws, including how much you can claim and for what. If you have been injured in a motor vehicle accident in another state or territory, it may be best to seek legal advice from a lawyer based in the relevant state or territory.
What do I need to prove to be able to claim compensation?
To successfully claim compensation, you must establish the motor vehicle accident occurred due to the negligent actions or omissions of another driver or the motor vehicle’s owner. This means that driver or owner failed to take reasonable care when they had an obligation so to do. You must also have evidence of your injuries and expenses; for example, doctors’ reports, receipts for medical invoices, x-rays and photographs. We’ll tell you what documents we need to determine whether negligence caused the accident.
Can I claim compensation for property damage?
Yes, you can, although CTP insurance only covers personal injuries. Property damage includes damage to your vehicle, a wrecked bike or damage to a truck’s load. Property damage can be claimed against the driver at fault for the accident (which they may hold insurance for) or against your own insurance (in the event you have full/comprehensive insurance cover for your vehicle). There may be time limits that apply to claiming compensation for property damage.
What type of medical expenses are paid?
Payable medical expenses include those that are directly related to your injury, such as surgery, x-rays and other medical tests. You may also claim for medical-related costs, such as travel and accommodation if it’s necessary for you to travel to receive treatment. You may also claim for therapeutic aids and anything else you need for rehabilitation, including domestic assistance, home modifications and treatments such as massage, gymnasium and hydrotherapy.