If you own and operate a motor vehicle in Queensland, there are three main types of insurance you can choose from:
Every state has its own CTP scheme and every state is different.
If a person is involved in a crash in another state/territory and is injured, CTP scheme benefits they may have access to may be different from state to state. Each state/territory operates its own CTP scheme and the level of cover offered to its registered motorists and injured persons on their roads is different. For example, if a Victorian registered vehicle driven by its owner causes a crash on a Queensland road and the Victorian driver is injured, they won’t get access to the Queensland CTP scheme because we operate a fault-based scheme. However, that Victorian driver may still be able to access some benefits from the Victorian CTP scheme which protects all its injured citizens whether they are at fault or not, even when the accident happens out of state.
About Queensland road users