Forming an integral part of the current Compulsory Third Party insurance scheme (CTP) in Western Australia, which provides cover for drivers and/or owners of registered motor vehicles on Western Australian roads, a no-fault catastrophic injury scheme commenced on 1 July 2016 (the Catastrophic Scheme).
Prior to the Catastrophic Scheme you had prove fault against a driver of a vehicle in order to make a successful insurance claim under the CTP. Vehicle passengers, pedestrians and cyclists can also claim against such driver to obtain compensation for their injuries from motor vehicle crash. If you are also at fault, together with the driver, you may still have a valid claim but the amount of compensation that may we awarded will be reduced according to your degree of fault.
Recently, the WA State Government has introduced the no-fault Catastrophic Scheme which commenced on 1 July 2016. This means that the CTP will be extended to provide care and support to all people catastrophically injured in motor vehicle accidents irrespective of fault. Catastrophic injures are defined as spinal cord injuries, traumatic brain injuries, multiple amputations, severe burns or permanent traumatic blindness.
In other words, catastrophically injured persons resulting from motor vehicle accidents from 1 July 2016 regardless of fault, will be entitled to make a claim for care and support on a consistent basis.
People are paying extra for no-fault insurance when their vehicle registration is renewed from 1 July 2016.