In Australia, Compulsory Third Party (CTP) insurance is a state-based scheme that covers only personal injury liability. Comprehensive and Third Party Property Damage insurance are sold separately.
*. Comprehensive insurance covers damage to third-party and the insured property and vehicle.
*. Third Party Property Damage insurance covers damage to third-party property and vehicles, but not the insured vehicle.
*. Third Party Property Damage with Fire and Theft insurance additionally covers the insured vehicle against fire and theft.
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