Is personal injury coverage worth it?

Is personal injury coverage worth it in Australia, yes personal injury coverage via compulsory CTP $400 to $800 per year for car and workers compensation via employer is mandatory and worth it, plus personal accident insurance $30 to $80 per month for $5K monthly benefit is worth it if self-employed or no sick leave. Personal injury coverage covers medical $50K, loss of income $100K and rehabilitation $20K if you injured in car accident or at work. CTP green slip mandatory for car registration $400 to $800 per year covers injury to others $500K to $1M, worth it as required by law and protects you from $500K claims if you injure someone. Workers compensation via employer covers work injury 95% income for 13 weeks then 80%, worth it as free to employee. Personal accident and sickness insurance $30 to $80 per month for $5K monthly benefit 75% income is worth it if self-employed with no sick leave, as illness or injury can cost $30K loss for 6 months off work, with insurance paying $30K for $500 premium per year. For example, self-employed tradie earning $80K, personal accident $50 per month pays $5K per month if back injury 6 months, total $30K, worth $600 per year premium. So personal injury coverage worth it, with CTP mandatory $400 to $800, workers comp free via employer, and personal accident $30 to $80 per month worth it for self-employed and those without sick leave to cover $30K income loss.