OK. Let's look at it another way. You are an exemplary driver, going about your business, and a ratbag driver goes flying through a red light, cleans up your car, leaving you with head, chest and leg injuries. You are going to be in hospital for weeks and recuporating for longer. Who pays for that? The other guy's third party insurance. Luckily, it's compulsory, or he might not have had it. Then you would be up that well known creek. Obviously, if it was a crim in a stolen vehicle, you might not be so lucky. The CTP is the price you pay for being lucky enough not to make an account draining payout.