ISV Medical Assessments
An introduction to compulsory third party compensation
In the Compulsory Third Party (CTP) insurance scheme, a person who is injured in a motor vehicle accident may be entitled to compensation for their injuries. Their entitlement to certain types of compensation such as non-economic loss, gratuitous services and future economic loss are subject to a threshold based on the Injury Scale Value (ISV) of the injuries sustained. For more information on CTP insurance, visit www.ctp.sa.gov.au
What is an ISV?
The ISV Table is used to determine an Injury Scale Value. It is a measure of injury severity that assigns a value between 0 and 100 for an injury, based on available medical evidence. It also gives consideration to the impact of the injury(ies) on the individual. The ISV is used to determine if thresholds to some forms of compensation have been met and to assist in assessing the compensation an injured person may be entitled to.
When is an ISV Medical Assessment undertaken?
An ISV Medical Assessment is required for the determination of an Injury Scale Value if the injured person’s condition has stabilised. However, there are a number of circumstances when an ISV Medical Assessment may not be required. These include if:
there are no qualified health professionals accredited; or
an agreement is made between the insurer and the injured person that an ISV Medical Assessment is not required, or
- the court determines that such an assessment is not required.