Driving a privately owned motor vehicle without Compulsory Third Party (CTP) insurance is strictly illegal across every state and territory in Australia. CTP insurance is mandatory and is automatically bundled into your annual vehicle registration fee, covering personal injury or death liability caused to other road users. However, carrying private Third Party Property Damage or Comprehensive car insurance is not legally mandatory, meaning you can technically drive without property insurance, though doing so leaves you personally liable for thousands of dollars if you crash into someone else's vehicle.
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