When to make a claim under the CTP Scheme vs. under the CIS Scheme

Contributed by DavidBayly and MelissaLetizia and current to 27 July 2018

CTP Scheme

Persons who suffer injuries, including catastrophic injuries, as a result of the fault of another driver should make a claim through the CTP scheme as economic loss and general damages for pain and suffering are not claimable through the CIS scheme.

CIS Scheme

Persons who suffer catastrophic injuries and are at fault or are unable to indentify another driver at fault in the accident should make a claim through the CIS scheme, as they will be unable to obtain damages through the CTP scheme.

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