Page 1054 - Week 03 - Thursday, 23 March 2017
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If a person is injured in a motor accident and makes a claim against the at-fault person’s CTP insurer, the amount of compensation they receive will depend on their injuries; the treatment they require; the circumstances of the accident; and the impact of their injuries (e.g if they have to take time off work). If they were partly at fault for the accident or their injuries (e.g. if they were not wearing a seatbelt), this will be taken into account and is likely to reduce the amount they will be paid for the claim.
Injured people can claim for the following kinds of loss:
• Treatment and care costs – compensates for past and estimated future costs of the treatment and care needed as a result of the injuries;
• Economic loss – compensates for financial loss, which can include lost wages if the injured person can’t work; and
• General damages – compensates for things like pain and suffering.
If a person is in an accident that is found to be their fault, they cannot claim compensation under the scheme. If a person is in an accident that wasn’t anyone’s fault (a ‘blameless accident’), such as a collision with wildlife, they cannot claim compensation under the scheme, and neither can any of their injured passengers (however, a limited early medical payment of up to $5,000 may apply).
Competition in the ACT market has led to some CTP insurers offering other benefits, like cover for at-fault drivers to increase the attractiveness of their product. However, these insurance arrangements are not a requirement of the CTP legislation and the benefits are usually very limited, with compensation covering only the more severe injuries sustained in a motor accident, such as the loss of both hands and feet or quadriplegia. Each insurer who offers this product has different terms and conditions, including specified vehicle types that are covered, and the extent of compensation provided for the particular injury sustained.
(6) The following fees and levies, in addition to the registration and CTP components, are payable depending on the circumstances (current as at 1 March 2017):
a) Vehicle Establishment Fees
[The following are the fees that are charged for vehicles when they are first registered in the ACT].
• Original registration surcharge for a motor vehicle: $88.20;
• Original registration surcharge for a trailer or a motorcycle: $53.30;
• Late transfer fee: $103.50;
b) Vehicle Registration Fees:
[The following represents the annual amount charged for each Levy or Fee. The Road Rescue Fee, Road Safety Contribution and Lifetime Care and Support Levy are all calculated (pro-rata) if registration is paid on a 3, 6 or 9 month basis. The CTP regulator levy of $1.00 is payable each time a registration is renewed ie. each time a 3, 6, 9 or 12 month registration is paid. The short term registration surcharge of $10.00 is applied against any registration less than 12 months]:
• ACT Registration Road Rescue fee: $25.40;
• Road Safety Contribution: $2.50;
• Lifetime Care and Support Levy: $35.00;
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