Quote Originally Posted by sassy_fit_vtit View Post
CTP is a must, you can't drive your car on the road without ctp and you can't register it either. It protects you for injury and death to other people, depending on which ctp provider you go with you might also be covered for yourself as an at-fault accident.

Comprehensive Insurance Covers you for Property damage that you may cause to other peoples property and also your own.

So in English.. you hit a someones car and that persons gets injured. CTP will cover the liability you have to their injury, Comprehensive will cover the damage to their car and also yours (third party property will only cover your liability to the damages to the other persons car only)
Can i just get technical and say that CTP doesnt cover death... if the someone other than the driver dies in an accident that is your fault... there is no benefit for death... in that case the only time the victims family gets comped is if the person had life insurance.

Hence the name, COmpulsory Third Party personal injury insurance.

it's amazing how many people out there dont know what this insurance is considering it has such a drastic effect on potential loved ones in YOUR car... no one considers that...

YOu will find advertising regarding CTP insurance moving more towards education rather than price based in the coming months... there are differences between extra benefit coverages you get for the money you pay...