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SA CTP Claims
SA CTP Claim Eligibility Check
Receive compensation under the South Australian CTP scheme when another driver was at fault.
South Australia runs a fault-based CTP scheme, with a no-fault Lifetime Support Scheme (LSS) for catastrophic injuries. Claims go through the at-fault vehicle's CTP insurer (Allianz, AAMI, QBE or SGIC). Lodge within 6 months of the accident for prompt processing.
- Fault-based CTP scheme
- Lifetime Support Scheme for catastrophic injury
- Pain and suffering, economic loss and care
- 6-month lodgement window
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Information for every state and territory
Australia-wide
Plain-English guides to the compensation schemes in each Australian state and territory.
South Australia CTP, explained
South Australia runs a fault-based CTP scheme regulated by the CTP Insurance Regulator SA. Compensation is recovered against the at-fault driver's CTP insurer. SA has a separate no-fault Lifetime Support Scheme (LSS) for catastrophic injuries, providing treatment, care and equipment for life. Combined, these two schemes ensure most seriously injured South Australians receive support.
Key SA timeframes
- 28 days: Report to police where required.
- 6 months: Lodge formal CTP claim for full backdated benefits.
- 3 years: Limitation period for common-law damages claims.
- Immediate: LSS eligibility assessment for catastrophic injuries.
What you can claim
- Past and future loss of earnings (capped under the Civil Liability Act).
- Medical, rehabilitation, care and travel costs.
- General damages for pain and suffering (subject to ISV threshold).
- Out-of-pocket expenses, modifications and equipment.
Cities and regions covered
Information on this page applies to accidents anywhere in SA, including Adelaide CBD, the Northern, Southern and Eastern suburbs, the Adelaide Hills, Murray Bridge, Mount Gambier, Whyalla, Port Augusta, Port Lincoln, and regional SA.
South Australia CTP claim FAQs
Plain-English answers about CTP and LSS claims in SA.
Reviewed by CompoCheck Editorial Team · Last updated
How do I lodge a CTP claim in South Australia?
Identify the at-fault vehicle's CTP insurer (the SA CTP regulator at ctp.sa.gov.au can help) and lodge a South Australian Injury Claim Form. The insurer must respond within 6 months. Most claimants engage a lawyer to manage the process, evidence gathering, medical assessments and negotiation.
How long do I have to lodge an SA CTP claim?
Lodge within 6 months of the accident date for full backdated benefits and prompt processing. Late claims may be accepted with leave but you risk losing some benefits and weakening evidence. Common-law damages claims have a 3-year limitation period.
What if I was at fault in an SA accident?
South Australia is fault-based, so an at-fault driver typically cannot recover under the standard CTP scheme. However, the Lifetime Support Scheme (LSS) provides treatment, care and support for catastrophic injuries from SA motor accidents regardless of fault. For non-catastrophic injuries while at fault, look at private TPD or income protection.
What does the Lifetime Support Scheme (LSS) cover?
LSS provides reasonable and necessary treatment, attendant care, equipment, home and vehicle modifications and ongoing support for the lifetime of catastrophically injured people. Eligibility requires meeting specific injury criteria (severe spinal cord injury, severe brain injury, multiple amputations, permanent blindness, severe burns). LSS funding does not include lost income or pain and suffering.
How are settlements calculated in SA?
Heads of damage include past and future economic loss, medical and care expenses, and general damages for pain and suffering. SA applies a non-economic loss threshold (Injury Scale Value, ISV) under the Civil Liability Act 1936. Your lawyer will assess your specific entitlements based on medical reports and earnings evidence.
How your SA CTP claim gets handled
Enquiries you submit are sent to the advertising law firm for your state and claim type.
- 01
Take the 30-second survey
Answer a few simple questions about your injury. No legal jargon, just the facts.
- 02
Your enquiry goes to an advertising law firm
Your enquiry goes to a law firm that advertises on CompoCheck for your state and claim type.
- 03
The firm contacts you
The firm can discuss your situation with you directly. Whether you go further is up to you.
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