Motorcycle riders and the CTP schemes
Riders claim under exactly the same CTP and no-fault schemes as drivers, and holding your own insurance is not required to claim against an at-fault driver. What is different is the injuries: riders come off worse in the same collision, so motorcycle claims are more often serious-injury claims, where the thresholds that matter are the ones that unlock lump-sum damages — more than 10% whole person impairment in NSW, a serious injury finding in Victoria, above 5% of a most extreme case in WA.
The fault argument every rider knows
Insurers run the same lines against riders: lane filtering, speed, visibility. Lane filtering is legal in every state within its rules, and an insurer alleging contributory negligence must prove it. Do not accept a liability split proposed by an insurer before a lawyer has looked at it; a 25% reduction on a serious injury claim can be six figures.
Gear, bike and evidence
Damaged helmet and gear are evidence of impact severity — photograph them and keep them. Get the bike assessed before repair or write-off, obtain any dashcam or CCTV within days, and report the crash to police even if you feel able to ride on: unreported crashes are the first thing insurers use.
State rules and time limits
The scheme, thresholds and notice periods are set state by state; pick where the accident happened: