Common ways drivers end up underinsured or with a refused claim, how CTP and car insurance claims work, AFCA complaints and official sources.
Most car insurance problems are predictable: the wrong regular driver listed, a modification not mentioned, a car insured for less than it would cost to replace, or an accident with someone who has CTP but no property cover. This section collects those failure patterns and explains the rights you have when things go wrong.
You will find how to claim after an injury under your state's CTP scheme, what to do when the other driver is uninsured, how the duty to take reasonable care affects a claim, and how to escalate a dispute from your insurer's internal complaints team to the Australian Financial Complaints Authority (AFCA), which is free for consumers.
The car insurance mistakes guide is the starting point and links to every other guide here. The official sources directory lists the regulators, CTP bodies and registration agencies for each state and territory, so you can check any rule against the original source.
Mistakes, claims, disputes and official sources
What happens when an uninsured driver damages your car in Australia: CTP for injuries, your own policy, uninsured motorist extensions and recovering costs.
Mistakes, claims, disputes and official sources
What to do when an Australian car insurer refuses, delays or underpays your claim: reasons in writing, the 30-day internal complaint, evidence and a free AFCA complaint.
Mistakes, claims, disputes and official sources
The most common car insurance mistakes in Australia, from relying on CTP to unlisted drivers, low agreed values and rideshare use, with what each one can cost.
Mistakes, claims, disputes and official sources
How CTP injury claims work after a crash in NSW, Victoria, Queensland, SA, WA, Tasmania, the ACT and the NT: who to claim from, what to report and what to keep.
Mistakes, claims, disputes and official sources
The duty to take reasonable care not to make a misrepresentation on Australian car insurance, how insurers can reduce claims, worked examples and how to avoid underinsurance.
Mistakes, claims, disputes and official sources
A directory of the official bodies for Australian car insurance: ASIC, APRA, AFCA, Moneysmart, every state's CTP scheme and registration agency, and free help services.
