CTPL (LOW) Motor Vehicle Policy coverage includes which of the following?

• A. Accidental Bodily Injury & Death of the insured driver; No fault indemnity.
• B. Property damage to third parties only.
• C. Covers only third-party property damage.
• D. Covers accidental bodily injury and death of 3rd party; No fault indemnity.

Answer: (D)

CTPL is a Compulsory Third-Party Liability Insurance. It pays for accidental bodily injury or death of third parties caused by the insured vehicle, and it operates on no-fault indemnity—benefits are paid to the third party regardless of who was at fault. It does not cover the insured’s own injuries or damage to the insured’s vehicle, and it does not cover third-party property damage. This aligns with the statement that the policy covers accidental bodily injury and death of a third party with no-fault indemnity.