Project status: Closed
On 16 May 2019, the Legislative Assembly passed the Motor Accident Injuries Scheme. The new scheme is expected to commence on 1 February 2020.
People who are injured in a motor vehicle accident before this date will continue to have their claim dealt with under the existing CTP arrangements. People who have an accident after this date will be under the new scheme that will provide quick and transparent benefits to aid your recovery.
How you had YourSay:
From 22 August to 29 September 2017, we asked for your priorities for an improved Compulsory Third Party (CTP) scheme.
We received more than 100 pieces of feedback, 725 survey responses and 328 people had their say on priorities for Canberra’s CTP scheme. We also heard from 515 people through a telephone survey.
Your feedback was given to the citizens’ jury to help inform their deliberations on priority areas for the scheme.
The jury – made up of a representative group of Canberrans – met over three weekends to analyse research and submissions from experts, consider feedback from the community, and deliberate about what the objectives of a new scheme should be and choose a new motor accident insurance model. The final report on the chosen model was presented to Chief Minister Andrew Barr MLA on Tuesday 27 March 2018.
A draft Bill (the Motor Accident Injuries Bill) to implement the jury’s chosen model was considered by the Standing Committee on Justice and Community Safety. Following the Committee’s report, the government updated the Bill with a series of amendments to address concerns and implementation issues that were raised with the Government by the community and stakeholders, both directly and through the Committee process. These amendments were consistent with the objectives identified by the citizens’ jury, but further strengthened the new scheme in some important ways.
On 19 March 2019, the Treasurer introduced the Motor Accident Injuries Bill 2019 in the Legislative Assembly. The independent costing actuary updated the average passenger vehicle premium estimates for the Motor Accident Injuries Scheme as contained in the introduced Bill. They also provided an update of information presented to the jury about the estimated number of claims receiving defined benefits over time. Both documents must be read in conjunction with the costing report dated 13 March 2018 that was provided to the citizens’ jury.
The legislation passed with some amendments on 16 May 2019.
The legislation contains a number of powers to make regulations and guidelines. The Draft Motor Accident Injuries Regulation 2019 and the Draft Motor Accident Injuries Guidelines 2019 were made available prior to the Bill being debated. These will be updated according to the amendments made to the Bill and reissued before the scheme starts.
What we looked at:
About 290,000 motor vehicles are registered in the ACT each year. Motorists pay for CTP insurance as part of their motor vehicle registration. Private insurers set premiums and premiums collected are passed on to insurers.
CTP insurance schemes exist in every state and territory but they have different designs and offer different levels of coverage, benefits and premiums. The ACT Government believed our CTP scheme could be improved to better protect Canberrans.
The government chose to use a citizens’ jury process to consider with the community and other key stakeholders how to improve the scheme so it reflects the priorities of Canberrans.
The jury process
The jury, made up of a representative group of Canberrans, first met on 14-15 October and 28-29 October 2017. Over these four days, plus many hours in between, the jury heard evidence from injured people and past CTP claimants, as well as medical, legal and insurance experts.
They analysed research and submissions provided by these experts and considered the feedback provided by the Canberra community, which informed their discussions and debate.
At the end of this first stage, the jury handed their report on the scheme objectives to the members of the Stakeholder Reference Group (SRG). This group included insurers, the legal profession, a health care consumer representative, a rehabilitation researcher and representatives of the ACT Government, as well as a scheme designer and actuary.
After the jury handed their report to the SRG in October 2017 an expert scheme designer with input from the SRG, worked to develop four models in line with the jury’s priorities. These models were costed by an actuary to determine their potential impact on the premiums drivers pay.
The jury met for the final time on 24 and 25 March 2018. The scheme designer presented the four models that were developed with input from the Stakeholder Reference Group, and the contracted actuary provided an indication of the impact on premiums for each model. The jurors were able to ask questions of the SRG members in attendance on the day.
Jury members deliberated and voted on which model best meets the objectives they set in October 2017. A summary of the current CTP insurance scheme and the jury’s chosen scheme is available.
At the end of their deliberations, the jury presented a report on their chosen model and why it was chosen to the ACT Government.
The jury’s full report was formally presented to Chief Minister Andrew Barr MLA on Tuesday 27 March 2018 by a delegation from the jury.
Models for Compulsory Third Party insurance
Jury's preferred model
Prior to the final weekend of the Citizens' Jury, jurors have been provided with a pack that contains all of the information relating to the models for CTP insurance.
Cover Letter to JurorsPDF (133.35 KB)
Summary of ModelsPDF (1.82 MB)
This paper is a summary of the four models covering high level themes. Commonalities between Models A and B is that there are some benefits for everyone and access to common law compensation for those injured by the negligence of someone else. Commonalities between Models C and D are that there are greater benefits for everyone and access to common law compensation for those who are more seriously injured by the negligence of someone else. Below the model benefit tables are graphs comparing differences between the models. The back page provides a mini-glossary of useful terms. This paper does not include all the detail and should be read in conjunction with the Finity Report on Model Designs.
Flowchart of the Models ProcessPDF (310.76 KB)
Flowchart of the Current CTP Scheme's ProcessPDF (293.55 KB)
Juror Reflection sheetPDF (88.21 KB)
Model Designs Paper by FinityPDF (758.64 KB)
Model Designs Costings Paper by EYPDF (3.95 MB)
Strategy for the last jury weekendPDF (152.15 KB)
Stakeholder Reference Group Process OverviewPDF (726.63 KB)
ACT Road Safety FundPDF (283.21 KB)
In response to the jury’s objective on encouraging safe driving, this document provides further information to the jury on the ACT Government’s existing ACT Road Safety Fund.
The jury also received a copy of the Citizens' Jury Priorities Report from 29 October 2017.
Stakeholder Reference Group summaries
The following summaries have been prepared by the Stakeholder Reference Group (SRG) members to advise about their views / the views of their respective organisations on the 4 models. The provision of the summaries by SRG members was optional.
democracyCo asked SRG members to provide 200 words summarising their views and indicated that they could provide additional documentation if they wished.
Stakeholder Reference Group – Summaries of their views on the modelsPDF (215.15 KB)
Attachment to Suncorp Insurance CommentsPDF (67.23 KB)
Attachment 1 to ACT Law Society and ACT Bar Association CommentsPDF (159.49 KB)
Attachment 2 to ACT Law Society and ACT Bar Association CommentsPDF (928.88 KB)
Attachment to NRMA Insurance (IAG) CommentsPDF (121.31 KB)
Jury meeting 3 - presentations
These are the presentations given to the jury members during their third meeting on 24 and 25 March 2018.
29th October 2017
The ACT CTP Citizens Jury was tasked to answer the following question:- “What should be the objectives of an improved CTP scheme to best balance the interests of all road users”.
The Jury was exposed to an extensive body of evidence, including thousands of pages of documentation, input from witnesses ranging from prepared statements to question and answer sessions with subject matter experts from many organisations participating in the current scheme. There was opportunity to hear from past claimants, both successful and unsuccessful.
The Jury process was contentious at times with jurors representing a wide variety of values and perspectives. The process facilitators supported the jury to work through and discuss many issues. The jury was able to consider any evidence we thought was important or pertinent in understanding and designing the objectives.
The jury has come up with 6 overarching objectives which broadly reflect the perspective of the jury. The scheme designers have been directed to use these objectives as the guiding aims for creating alternative models for the CTP scheme.
The Jury looks forward to part two of this process where we will consider and evaluate the models provided by the Stakeholder Reference group.
About the Jury
We are a diverse group of citizens representing the ACT community. We were selected to participate through a random process, and agreed to volunteer in Canberra’s first citizen’s jury. We range in age from high school students to retirees, and are from different socio-economic backgrounds.
We are here for the deliberation of an improved CTP scheme in the ACT, as we feel strongly about our democratic duty to our community.
We listened to expert consultants, stakeholders, witnesses, people affected by the scheme, and public submissions to the ‘Your Say’ website over 4 days. We used social media tools (BaseCamp) to access in-depth documents pertaining to CTP schemes from other states and to interact and discuss views with each other.
A stakeholder reference group will use our objectives and recommendations to develop several CTP models. The jury will reconvene in March to deliberate these models, and select the one that best represents the interests of the broader ACT community.
The jury collaborated on a large number of issues and identified the following as objectives. Some were contentious and did not have consensus. These were prioritised using polling, as below:
Jurors’ Priorities for the system:
Values: 1 being a very low priority; 10 being a very high priority.
1. Early access to medical treatment, economic support and rehabilitation services All jurors approved of this objective | 84% assessed it to be at least an 8/10 priority
2. Equitable cover for all people injured in a motor vehicle accident All but 2 jurors approved of this objective, and 1 abstained. | 82% assessed it to be at least an 8/10 priority
3. A value for money and efficient system’ All jurors approved of this objective | 54% assessed it to be at least an 8/10 priority
4. Promote broader knowledge of the scheme and safer driver practices All jurors approved of this objective | 38% assessed it to be at least an 8/10 priority
5. Implement a support system to better navigate the claims process All but 1 juror approved of this objective | 36% assessed it to be at least an 8/10 priority
6. A system that strengthens integrity and reduces fraudulent behaviour. All but 1 juror approved of this objective | 26% assessed it to be at least an 8/10 priority
Timely and early access to treatment, rehabilitation and economic loss for eligible people.
Meeting treatment, rehabilitation and economic needs as soon as possible and then as they occur will improve outcomes for people injured in a traffic accident. This is important because research demonstrates that early access improves medical and rehabilitation outcomes. Early access also decreases secondary victimisation such as stress and economic uncertainty, allowing people's lives to continue as normally as possible despite their accident. This would remove the incentive to delay treatment and rehabilitation to maximise a lump sum payment, and may help make the culture of the scheme more people- and wellness-focused. Moving away from a lump sum will also account for any variabilities such as improvement or deterioration of injuries.
The evidence for this was drawn primarily from John Walsh, Ian Cameron and other witness presentations to the jury. Please refer to their data such as The Acute Whiplash Report. We anticipate that treatment and rehabilitation costs would increase as a percentage of overall cost in the scheme. We believe this is important because, as a jury, we have been shocked at the slow delivery times to receive financial assistance and the adverse impact that this has on people's recovery and ability to return to normalcy.
Our unresolved tensions are that early access may reduce the accuracy of injury assessment and may not account for injury deterioration. It may increase over-servicing or over-treatment if doctors recommend unnecessary treatment. This objective does not account for who should be covered or whether the system differentiates between at fault, not at fault, minor or major injuries. We feel that general damages, while important, do not need to be addressed as quickly and are not discussed in this objective.
- General damages includes pain and suffering, compensation for lost quality of life, and compensation for lost future earning capacity.
- Timely and early access means meeting costs as as soon as possible and as they arise.
- Economic needs include lost wages and economic support for carers who have been injured and cannot fulfil their usual caring responsibilities. We understand that this may be a percentage of actual wages with a maximum cap, and would make some allowance for non-wage earners.
- Rehabilitation means returning people to their pre-injury state as far as possible. This may include assistance in returning to work, assistance with reasonable adjustments or retraining.
- Treatment means medical treatment, including for mental health. We anticipate that this would cover all reasonable evidence-based treatment costs, with reasonable costs to be determined by medical professionals.
- Secondary victimisation is the extent to which the system makes the injured person’s injuries or general situation worse. Participating in the process can worsen someone's medical and psychological outcomes through adding stress and economic strain.
Notes for scheme designer:
- We envisage that early access to benefits for medical and economic needs could be achieved through a statutory system/table of benefits.
- We have not defined a time limit on when or if early access would change to an alternate system. The amount of time for which ‘early access’ benefits are received should be determined based on precise costing.
Value for money and efficiency
The CTP scheme should be value for money for the ACT community, and should be efficient.
The current CTP scheme doesn’t cover all those injured in motor vehicle accidents; but increasing the efficiency of the scheme, we can cover more people.
The scheme should provide early access to medical treatment to reduce long term medical costs. We’ve heard that delays in medical treatment often cause the initial injury to become worse, which leads to increased costs and worse medical outcomes.
Administration of the scheme should be streamlined and efficient.
The scheme should also measure treatment success rates to ensure that the best outcomes are achieved for the injured, and reduce over-servicing. We heard from witnesses that some claimants sought multiple and continued treatments that were not producing results, especially in the areas of allied health and therapeutic treatment. We learnt this is important because if no one is measuring medical success rates no one knows where improvements can be made. Treatments should provide measurable results in patients.
The scheme should provide transparency of where premiums are being spent. We heard from witnesses that under the current scheme the breakdown of medical and legal costs is unclear.
A full itemised and annual breakdown of all the schemes costs, should be provided. (for example: medical costs, legal costs, insurer profits, investigatory costs etc)
People need to know where their money is being spent so scheme administrators, politicians, insurers and medical professionals can make informed decisions about where those funds should be directed.
For example, currently a medical service provider can have two prices for the same medical procedure: one price for a regular patient, and one price for an insurance claimant. We feel there should be more clarity around why this is the case. One possible solution would be to have the AMA scheduled fee to become the guide price for medical procedures.
The scheme should provide a dispute resolution system that leads to early resolution of complaints. We heard from witnesses that disputes who was at fault often dragged proceedings out, increasing the costs for all those involved and delaying medical treatment and compensation.
EXTRA NOTE ADDED AFTER PRESENTATION (because we hadn’t dealt with it before the presentation):
A single juror would like noted: ‘That banning of lawyers advertising (across media) for personal injury claims should be adopted in the ACT as it has been in NSW’.
The whole jury: had consensus on not including this in the report.
Encourage people to drive safely
Prevent motor vehicle accidents and increase awareness about the purpose of the scheme
We want to prevent motor vehicle accidents in Canberra and for people to understand the purpose of the scheme is to help people recover from injury.
We want to adopt strategies that prompt people to drive safely in order to prevent and reduce motor vehicle accidents. We particularly want to address the high level of whiplash injuries in Canberra,
Why is it important:
We want to educate the community that the real purpose and value of the scheme is to look after the welfare of injured people.
We know this is important because any accident has a serious toll on people’s health and welfare and the cost to the community. We care about people’s welfare and want a safe Canberra community.
It is important that people are aware of the objectives of the scheme and how it works because getting treatment early will help them recover physically and emotionally and will have a better outcome for themselves and their families.
One of the key messages about the scheme should be that it will take care of injured people and meet their commitments. We should use compelling stories about how the system supports injured people to recover.
Once someone has had an accident, it should be easy for them to know how to make a claim. The first point of contact after an accident is an opportunity to provide early advice about accessing their entitlements and getting care and guidance.
We want the community to expect the scheme will get them back to the best possible position. We expect the scheme design will make it easy for people to claim and be supported emotionally, rather than expect that litigation is necessary.
We recommend the Government develop a range of education strategies that influence people’s willingness and ability to drive safely and educate them about their rights within the scheme. There is an opportunity to introduce the new scheme to the Canberra community with an education program.
We have a number of observations to support this objective.
We heard from a number of witnesses, including the insurers and actuaries, that there are a large proportion of soft tissue (eg whiplash) injuries in Canberra (about half of annual claims) and would like to reduce these injuries.
We have heard from academic witnesses that it is possible to influence safer driver behaviour. There are examples of safety techniques that can prompt people to drive safely on the road, such as arrows on the road to indicate safe distances between cars or rumble strips on the road.
We have heard from claimants that they were unaware of how the current scheme operates. The claimants felt the CTP scheme was very complex and didn’t know what was covered. Some were shocked to learn they are not covered and thought they needed a lawyer to navigate the scheme.
We have heard that it is important for people’s recovery to have early treatment so we want people to understand how the scheme works. There is evidence from academics and insurers that recovery rates in Victoria are superior to those in NSW because it has early intervention.
We have heard from the actuary that Tasmania has lower premiums but similar benefits because it has a different culture regarding CTP.
We note an uncertainty about how this objective would be funded, but it is supported by the jury as a whole. It could be linked to other government funding and it is important because it supports the overall objectives of the scheme.
We support Government initiatives to adopt modern motor vehicle technologies.
We recommend a name change to the scheme to better reflect its purpose. How about Community Accident Care.
Notes to Scheme Designer:
We recommend the Government develop a range of education strategies that influence people’s awareness to drive safely and educate them about their rights within the scheme. There is an opportunity to introduce the new scheme to the Canberra community with an education program.
Some ideas follow for education strategies and promotional activities .
We could introduce education about the scheme during driver training programs and at point of car registration; this could include a online self-assessment quiz.
There could be a pamphlet available from the police, accidents, Access Canberra or hospital staff. The hospital system could send information about motor vehicle accidents to the regulator or insurer who contacts the injured person to provide guidance about the scheme.
As well as providing the community with information regarding the number,
extent and impact of claims, possibly including case studies from those injured,
we could put in place a feedback process about individual claims to people
involved in an accident. This could foster a sense of responsibility within the
community, as word of mouth got out.
Who and what is covered/equitable
We propose to cover, in an equitable manner, any persons injured as a result as of a motor vehicle accident in the ACT.
Everyone, regardless of whether at-fault or not-at-fault, should be covered in terms of health care and treatment. Compensation for loss of earnings should be limited to a defined amount. Non-at-fault drivers with serious injuries would have access to litigation under the common-law system.
Equitable means fair, just, unbiased, reasonable, timely and impartial.
For the purpose of determining injuries they are classified as either minor or serious. Minor includes injuries such as soft-tissue and short term psychological trauma. Serious injuries are defined as permanent and likely to diminish the quality and well being of a claimant(s) life. Serious injuries would be determined using the common-law system and take into consideration contributory negligence.
We know it is important because under the current scheme some people who are injured as the result of a motor vehicle accident are not covered. For example, when someone suffers an unexpected medical episode and crashes their car, they are not currently covered, nor is anyone who they may injure as a result of the accident. The Citizens Jury was also moved by witnesses who shared their stories about instances where they were deemed to be ‘at-fault’ and were limited to a $5,000.00 cap to cover medical injuries only. Additionally, the Jury was moved by stories where witnesses were subjected to years’ of lengthy delays as a result of insurance companies and legal professional’s arguing to determine who is ‘at-fault’: this process had a profound, psychological impact on those witnesses.
We are responding to the concerns of the community, who through surveys expressed a strong desire to move to a no-fault system. The expressions also indicated a desire to move to a hybrid common law/statutory system. Change to a non-fault scheme provides immediate care after an accident.
Statutory provisions apply for all accidents deemed to be a minor and/or non-serious injuries. The threshold to determine the first opportunity to resort to common law benefits needs to be determined and considered by actuaries at a later stage.
Note: With relation to income support, the extent of cover would be limited for drivers determined people who are convicted of a criminal offence (jury did not reach consensus on this point).
The scheme needs to recognise non-wage and carer responsibilities.
We would like to see models developed for further consideration. The issue of limited benefits was controversial.
Support navigating the system
The CTP scheme should ensure that claimants have access to advocacy and dispute resolution.
Why is it important:
This objective is important because it would empower claimants to participate in the CTP scheme in a fully informed way. This is also important to address the specific vulnerabilities that are experienced by potential claimants, which include matters as diverse as cultural and linguistic differences, acquired brain injuries, age and other variables.
Clarification: A possible method for this to be achieved, is apportioning some of the premium to the regulator for the establishment of independent advocates, tasked with helping claimants to navigate the scheme. This remit could include providing information, giving support in completing forms etc and/or full representation of the individual. Broadly, the types of professionals doing this might include support workers, case workers, social workers and/or lawyers. It should be noted that it would need to be possible for individuals who are capable of - and wish to - navigate the system themselves or with minimal support to have the choice to do so. This would assist in containing costs. The system would need to interact effectively with other support services such as Health Care Interpreters and the like; not all of the support services would need to be directly provided by or funding under the scheme.
We envisage this being a proactive system, designed to provide as early as practicable the information and guidance about what steps need to be taken.
Ideally at every point of contact in the process of recovering from an accident the potential claimant should be informed of their access to this advocacy.This could include automated prompts built into routine reporting / record keeping systems used by (for example) the police and general practitioners (e.g. Medical Director). An alternative way of providing independent advocates may involve using the insurers to train independant people who understand the system.
Stories: We have heard through the jury process that frequently people had no service provider inform them of the scheme and the steps to take or who to talk to, in order to claim their entitlements. e.g. many miss the 28 day cutoff for claiming the no-fault $5000 for medical expenses currently available.
A Tension: It is vital that the advocates are independent from the scheme itself.
Advocacy : Could be as simple as providing information and support, helping to fill out forms, inform of options and recommendations for how to proceed through the scheme.
Proactive: The scheme should prompt the service providers to inform potential claimants of the existence of their access to support within the scheme.
Notes to scheme designers: In relation to dispute resolution mechanisms, the jury recognised that several different mechanisms may be appropriate. These include review of decisions, alternative dispute resolution (such as tribunals) and recourse to the courts. Each has its own costs that were unclear to the jury.
Scheme design and fraud
A system that strengthens integrity and reduces fraudulent behaviour.
This system needs to be hard to abuse, takes away opportunistic behaviour while allowing for genuine claims to be considered. This system needs to consider aspects such as Prevention, Detection, Reporting, Analysis and Consequences. This is important because we want to ensure that appropriate benefits are provided to genuine claimants. The current arrangements are prone to abuse, and there are opportunities to commit fraud. This includes where third parties (such as providers) may be complicit in fraud.
‘Fair’ means integrity in the system
‘Genuine entitlement’ means not fraudulent
‘Fraud’ means behaviour which seeks to gain a benefit by dishonest means
Stories from stakeholders such as police and insurers. These parties have explained cases of people taking advantage of the current system, and specific vulnerabilities that may be taken advantage of.
- That there is an incentive to commit fraud
- That legitimate claims may be considered fraudulent
- There is a risk that systems to prevent or manage fraud may be complex and difficult to navigate
- That there is a tension that efforts to reduce fraud conflicts with other objectives. An example would include where the scheme causes greater profit for insurers without enabling the premium to represent value for money for the insured and community.
- What ‘appropriate benefits’ means
- This could be the amount formally assessed, or something that meets community expectations
- A Product Disclosure Statement is necessary and should be easily available/accessible
- Defined amounts in any lump sum payment for future medical expenses should be placed in a trust by the insurance company to ensure funds are available as intended
- Relates to initial process (using the police as a first point of contact)
Exposure Draft Motor Accident Injuries Bill 2018PDF (1.90 MB)
Motor Accident Injuries Bill Explanatory Guide - Exposure DraftMS Word (444.71 KB)
Motor Accident Injuries Bill Explanatory Guide - Exposure DraftPDF (709.54 KB)
New Motor Accident Injuries Scheme Process - FlowchartPDF (561.81 KB)
Final Report developed by the citizens' juryPDF (197.43 KB)
The final report developed by the citizens' jury and presented to the Stakeholder Reference Group on 29 October 2017.
Citizens' jury agenda - day one (14 October)PDF (471.39 KB)
Citizens' jury agenda - day two (15 October)PDF (314.94 KB)
Citizens' jury agenda - day three (28 October)PDF (355.84 KB)
Citizens' jury agenda - day five and six (24 & 25 March)PDF (112.19 KB)
Information supplied by ACT Government
Message from the Chief Minister to the juryPDF (205.83 KB)
Citizens' jury packPDF (2.03 MB)
This was presented to the jury prior to the first weekend.
Understanding CTP Insurance in the ACTPDF (420.63 KB)
A comprehensive overview of the CTP insurance scheme available in the ACT.
How does motor vehicle accident insurance work in the ACT?PDF (59.40 KB)
A quick outline of the different types of motor vehicle accident insurance available to ACT residents.
FAQs - October 2017PDF (280.20 KB)
Check out these FAQs for more about CTP insurance and the citizens' jury process.
Jury meeting 1 - presentations
These are the presentations given to the jury during their first meeting on 14 and 15 October 2017.
Introduction to CTPPDF (553.14 KB)
Presented by Geoff Atkins, CTP scheme designer from finity.
CTP Around AustraliaPDF (445.79 KB)
Presented by Geoff Atkins, CTP scheme designer from finity.
CTP and the Common LawPDF (83.67 KB)
Presented by Dr Michael Eburn, Associate Professor for the ANU College of Law
CTP Regulator PresentationPDF (765.36 KB)
Presented by Lisa Holmes, representing the ACT CTP Regulator.
CTP Insurance Survey ResultsPDF (237.90 KB)
Phone survey results presented by Grant Piazza from Piazza Research.
What the community is saying...PDF (821.95 KB)
Community feedback provided for the citizens' jury to consider. Presented by Karen Stewart-Moore, Deputy Director, Strategic Engagement, Chief Minister, Treasury and Economic Development Directorate.
Jury meeting 2 - presentations
These are the presentations given to the jury members during their second meeting on 28 and 29 October 2017.
Please note: not all presenters used a PowerPoint presentation. Please refer to the day three agenda document, under the "general information" heading, for a full list of witnesses who presented to the jury on Saturday 28 October 2017.
Wtitness session 1: "What are the key trade-offs?"PDF (695.76 KB)
Presented by Paul O'Connor, GM Risk, NDIS
Witness session 1: "What are the key trade-offs?"PDF (299.03 KB)
Presented by Estelle Pearson, Finity
Witness session 1: "What are the key trade-offs?"PDF (401.60 KB)
Presented by Peter McCarthy, Actuary, EY
Theme 2 - Who is covered?PDF (154.64 KB)
Presented by Michael Eburn, Associate Prof. College of Law, ANU
Theme 2 - Who is covered?PDF (289.66 KB)
Presented by Carmel Franklin, Director, Care Financial Counselling Service; Chair, Financial Counselling Australia; Member of the FOS Consumer Liaison Group
Theme 3 - What benefits are people covered for?PDF (483.32 KB)
Presented by Ian Cameron, Head, John Walsh Centre for Rehabilitation Research, University of Sydney
Theme 3 - What benefits are people covered for?PDF (713.43 KB)
Presented by Dr Fiona Tito Wheatland, Consumer representative
Theme 3 - What benefits are people covered for?PDF (241.70 KB)
Presented by Estelle Pearson, Finity, Principal
Theme 4 - Fairness in claim determinationPDF (494.04 KB)
Presented by John Walsh, Actuary, National Disability Insurance Scheme; and Adjunct Professor, John Walsh Centre for Rehabilitation Research, University of Sydney.
Theme 4 - Fairness in claim determinationPDF (901.24 KB)
Presented by Andrew Gill, Detective Sergeant, New South Wales Police
Theme 4 - Fairness in claim determinationPDF (187.47 KB)
Presented by Susie Walford, Executive Manager, ACT Personal Injury, Suncorp.
Theme 4 - Fairness in claim determinationPDF (350.72 KB)
Presented by Madeleine Hibbard, Manager, Regulatory Policy, IAG.
Witness selection documentation
These documents show the witness selection process for both the Stakeholder Reference Group and the jurors.
Stakeholder Reference Group meeting agenda - 9 OctoberPDF (604.17 KB)
Agenda from the first Stakeholder Reference Group meeting.
Stakeholder Reference Group - briefing paper for witness processPDF (826.49 KB)
Potential witness list for the jury and selection processPDF (229.65 KB)
Witness selection checklistPDF (65.89 KB)
A checklist provided to jurors to help them select witnesses.
Witness labelsPDF (39.17 KB)
Labels used by the jury to select witnesses. In an exercise called 'Dotmocracy', jurors placed coloured dots on the pages with their preferred witnesses.
Documents supplied to the jury in their Resource Library
Feedback to the citizens' jury - part 1PDF (507.44 KB)
This document includes:
- All short form feedback provided through Your Say
- Some long form feedback provided via YourSayonCTP@act.gov.au
All other long form feedback is supplied in parts 2-5, as the feedback was too long to include in this document
Feedback to the citizens' jury - part 2PDF (7.50 MB)
This document includes long form feedback from:
- Law Society of the ACT, ACT Bar Association, and the Australia Lawyers Alliance (pages 1-9)
- Actuaries Institute (pages 10-14)
- Adrian Flor (pages 15-16)
- Allan C (pages 17-18)
Feedback to the citizens' jury - part 3PDF (5.93 MB)
This document includes long form feedback from:
- Australian Physiotherapy Association (pages 1-8)
- Canberra Alliance for Participatory Democracy (pages 9-11)
- David Kemmett (page 12)
- Paul Thomas, via Facebook (pages 13-14)
- NRMA Insurance (15-17)
Feedback to the citizens' jury - part 4PDF (3.52 MB)
This document includes long form feedback from:
- Insurance Council of Australia (pages 1-3)
- John D Holmes (pages 4-5)
- Karen Hookway (pages 6-7)
- Laura Jennings (pages 8-9)
- Anonymous (pages 10-11)
- Motorcycle Riders Association of the Australian Capital Territory Incorporated (pages 12-15)
- Pedal Power ACT (pages 16-18)
Feedback to the citizens' jury - part 5PDF (6.05 MB)
This document includes long form feedback from:
- Anonymous (pages 1-3)
- Sebastian Marquez, Canberra Legal Group (pages 4-5)
- Shaynee Dennis (pages 6-9)
- Stephanie Turkich pages 10-11)
- Stephen Esdaile (pages 12-13)
- Suncorp (pages 14-17)
- Greg McConville (pages 18-19)
- big mac, via Twitter (page 20)
- Peter Hunter and Adeline Gibson, via Facebook (pages 21-22)
Feedback for CTP Citizens' Jury - Part 6PDF (377.38 KB)
This document includes long form feedback from:
- Kimberly Hall (page 1)
- Mark Ryan, Chriopractor (page 3)
- Mary Southorn (page 5)
- Greg McCarthy (page 7)
Piazza phone survey reportPDF (927.16 KB)
Results from a phone survey conducted by Piazza to identify Canberran consumers' preferences for different insurance options.
Survey results from Your SayPDF (752.16 KB)
This survey sought to identify Canberra consumers' preferences for different insurance options, and mirrored the Piazza phone survey.
CTP priorities results from Your SayPDF (397.62 KB)
To determine CTP priorities, respondents were asked to rate 6 priorities about CTP.
Quiz results from Your SayPDF (675.65 KB)
A quiz to test Canberrans’ knowledge of CTP insurance was placed on Your Say. Visitors to the site were encouraged to do the Quiz first before giving feedback so they could learn more about the scheme.
Glossary of TermsPDF (46.24 KB)
CTP Insurance objectives in other Australian jurisdictionsPDF (4.22 MB)
Procedural steps for a CTP claimPDF (312.03 KB)
Prepared by the office of the CTP Regulator.
Scheme Comparison SummaryPDF (91.55 KB)
Produced by Finity, October 2017.
Resource List - web linksPDF (463.57 KB)
Additional information addressing jury questionsPDF (557.57 KB)
Additional information on the ACT CTP Scheme DataPDF (561.88 KB)
Prepared by the Office of the CTP Regulator.
Injury coding and minor injuries - briefing notePDF (152.50 KB)
prepared by NRMA insurance for the ACT CTP citizens' jury, October 2017.
The ACT has the best CTP insurance scheme in the countryPDF (944.82 KB)
Published by the ACT Law Society, ACT Bar Association, and the Australian Lawyers Alliance.
NRMA ACT CTPPDF (869.49 KB)
Prepared by NRMA insurance. Outlines the challenges of the current ACT CTP scheme.
Day 3 witness listPDF (362.74 KB)
This document outlines the witnesses who presented to the CTP jury on day three and provides a short bio of each presentor.
Critical thinking questionsPDF (108.38 KB)
These questions were developed by the CTP Citizens' Jury on 14 October 2017.
Quality of life compensation report - juror surveyPDF (533.88 KB)
This document was prepared by Bill Browne, October 2017.
Quality of life compensation presentation - juror surveyPDF (242.61 KB)
This presentation was developed by Bill Browne, October 2017.
Public Observer Code of ConductPDF (663.46 KB)
This document was prepared by democracyCo.
Media Code of ConductPDF (292.44 KB)
This document was prepared by democracyCo.
Members of the Stakeholder Reference Group Code of ConductPDF (263.60 KB)
This document was prepared by democracyCo.
What questions do the Jury need to answer?PDF (517.81 KB)
Impairment guides supplied to the jury as part of their resource library
Northern Territory guidelines for the evaluation of permanent impairmentPDF (2.52 MB)
Permanent Impairment GuidelinesPDF (903.77 KB)
Guidelines for the assessment of permanent impairment of a person injured as a result of a motor vehicle accident. Published by the Motor Accidents Authority, 2007.
Transport Accident Commission impairment benefitPDF (361.66 KB)
Published by the Transport Accident Commission, 2014.
Queensland Workers' Compensation SchemePDF (510.50 KB)
Guidelines for Evaluation of Permanent Impairment. Published November 2013.
Return to work scheme - Impairment Assessment GuidelinesPDF (1.22 MB)
Published by the Government of South Australia, 2015.
South Australia Civil Liability Act 1936PDF (325.42 KB)
Guide to the assessment of the degree of permanent impairmentPDF (1.85 MB)
Published by Comcare, 2014.
Guidelines for the assessment of permanent impairment - TasmaniaPDF (454.87 KB)
Published by WorkCover Tasmania, 2010.
Crash statistics supplied to the jury as part of their resource library
Northern Territory 2016 Road Injury Statistical SummaryPDF (570.19 KB)
Tasmanian crash statisitcs - serious injuries 2017PDF (77.81 KB)
2015 Victorian Road TraumaPDF (1.56 MB)
Analysis of Fatalities and Serious Injuries
Tasmanian Crash Statistics - fatalities 2017PDF (76.93 KB)
NSW Injury trends by Injury SeverityPDF (251.69 KB)
Preliminary fatal and critical injuries on Western Australian roadPDF (2.87 MB)
Produced and published by The Road Safety Commission.
Monthly Bulletin of Preliminary Traffic Crash DataPDF (197.21 KB)
September 2017, Transport for NSW
2015 Summary Road Crash Report Queensland Road FatalitiesPDF (331.40 KB)
CTP insurance regulatorPDF (184.71 KB)
Injury scale values calculated in accordance with section 52(3)(c) and(7) of the civil liability act 1936.
Mortality and morbidity in Australia due to transport accidentsPDF (92.22 KB)
Published by the Australian Transport Safety Bureau, Canberra, 2004.
2016 road fatalities and serious injuries in South AustraliaPDF (788.68 KB)
Australian Bureau of Statistics sample on traffic accident deaths, 2016PDF (138.77 KB)
Stakeholder Reference Group - Meeting Notes
Stakeholder Reference Group - 13 September 2017PDF (257.80 KB)
Stakeholder Reference Group - 4 October 2017PDF (349.28 KB)
Stakeholder Reference Group - 9 October 2017PDF (199.80 KB)
Stakeholder Reference Group - 7 November 2017PDF (373.14 KB)
Stakeholder Reference Group - 20 November 2017PDF (232.71 KB)
Stakeholder Reference Group - 4 December 2017PDF (367.99 KB)
Stakeholder Reference Group - 18 December 2017PDF (230.84 KB)
Stakeholder Reference Group - 29 January 2018PDF (229.45 KB)
Stakeholder Reference Group - 12 February 2018PDF (54.92 KB)
Stakeholder Reference Group - 26 February 2018PDF (57.44 KB)
Stakeholder Reference Group - 7 March 2018PDF (59.53 KB)
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