At Fault Driver Injury Insurance Policy
When you choose RACQ Insurance as the CTP insurer of your vehicle, we also provide our At Fault Driver Injury Insurance Policy at no extra cost. Subject to the policy conditions and exclusions which we encourage you to read carefully, (and which are available upon request), an at-fault driver injured in an accident may receive up to $250,000 under this additional policy. And unlike some insurance companies, the cover offered extends to people under 25 as long as they are current private members of RACQ or live with a parent who is a current private member of RACQ. In short, we'll help you wherever we can. The range of benefits available is set out below.
Table of benefits
| Quadriplegia or Tetraplegia | $250 000 |
| Paraplegia | $100 000 |
| Permanent & total disablement | $50 000 |
| Permanent & total sight loss in both eyes | $25 000 |
| Loss of both hands or both feet | $25 000 |
| Loss of one hand and one foot | $25 000 |
| Loss of one hand or one foot | $10 000 |
| Permanent & total sight loss in one eye | $10 000 |
Additionally, we may choose to pay for rehabilitation expenses up to a value of $5000.
Some of the terms used in the above table have defined meanings which are stated in the policy document and may be different from their ordinary usage. The terms and conditions that govern the entitlement to a payment under the RACQ Insurance At Fault Driver Injury Insurance Policy are contained in the policy booklet.
- download the At Fault Driver Injury Insurance policy (PDF 265Kb)
If you have any enquiries regarding At Fault Driver Injury Insurance, contact your local RACQ office or call 13 1905.
This information is an overview of Compulsory Third Party motor vehicle insurance. For more detail on the CTP scheme in Queensland, refer to the Motor Accident Insurance Act 1994.
