Property Damage is not compulsory. Insured, any licensed driver with Insured's permission, and Insured driving a substitute vehicle not owned by the Insured. Victoria and Tasmania maintain no-fault programs though Common Law is in play. The Northern Territory operates a no-fault program. Deemed to be Third Parties.
Benefits vary widely.
The Federal Government operates a separate scheme for Federal Employees. All employees are insured. Medical Expenses and Occupational Disease are included under the Scheme. The information provided has been compiled from published sources. However, insurance legislation may change and you are advised to seek independent professional advice.