State's third party car insurance covers your legal liability if you damage someone else’s property or accidentally injure someone when you’re driving your car or another vehicle. Provided they’re approved in advance by us, we’ll also cover the costs of your legal defence.
This cover extends to anyone else driving your car if you gave them permission to use it where they don’t have any other insurance and they meet the same terms of this policy that you must meet.
Your car is covered for up to $3,000 for damage caused by another driver if you can prove it was the other driver’s fault and give us the registration number of the other driver’s vehicle and their identifying information.
You’ll also need to help us recover your claim from the driver or the owner of the other driver’s vehicle.
If your car isn’t driveable because of damage covered by this policy we’ll pay to get it to a repairer or a safe place.
We’ll pay the cost of clearing debris from a road or parking area after an incident covered by this policy.
We’ll cover up to $5,000 of the legal costs incurred by you, your partner or a family member of defending a charge such as manslaughter or dangerous driving causing death.
This information is intended as a guide only. There are exclusions and limits to the cover we provide. For the policy wording see our Car Insurance policy document (PDF).