Our Brisbane CTP lawyers provide QLD-wide legal advice for CTP compensation claims to people who have been injured in a motor vehicle accident that wasn’t their fault. Third-party insurance claims can be challenging because the CTP insurer generally tries to limit its liability to pay damages.
Our CTP claim lawyers advise on the claims process on a 100% no-win, no-fee basis, regardless of how your car accident happened, including as a driver, passenger, rider or pedestrian.
The Car Accident Compensation Lawyers QLD offers a free case review that can explain your eligibility for CTP insurance claims and your entitlements. Pay only after a win and nothing if you lose. It’s free to know your rights.
Injured people have a legal right to make a CTP claim for a car accident under the Civil Liability Act 2003 and the Motor Accident Insurance Act 1994.
Anyone injured in a motor vehicle accident in QLD can make a CTP claim, including drivers, passengers, and pedestrians. Eligibility generally depends on who was at fault for the accident.
The driver of the at-fault vehicle may be eligible to make a CTP claim if they are partly responsible for the crash (have contributory negligence), but they do not qualify if they are entirely at fault.
Injured pedestrians are usually eligible, but CTP compensation payments can be reduced if their negligence contributed to the accident.
Our CTP claim lawyers offer a complimentary case review to explain your eligibility and the strict time limits applicable to personal injury claims. It’s free to know your options. Call 1800 860 777
Our qualified CTP claim lawyers can help you understand your rights and entitlements when you suffer a personal injury in a motor vehicle accident that wasn’t your fault. A free case review can explain:
Pay only for a win and nothing if you lose. Call 1800 860 777
Know your entitlements
You could struggle to pay the bills when you can’t work after a motor vehicle accident. Consequently, the cost of seeking legal counsel about your options is out of reach.
But there is no financial risk when you seek legal advice from our CTP claim lawyers. Our road accident team provides a genuine 100% no-win, no-fee policy, which means the following:
Our CTP compensation lawyers can explain our 100% no-win, no-fee, no-risk policy during a free case review. Call 1800 860 777
Kerry Splatt, a QLS-Accredited Specialist in Personal Injury Law, guides our team of qualified CTP lawyers, based in Brisbane.
This accreditation from the Queensland Law Society recognises compensation solicitors’ advanced training and expertise in personal injury law, including CTP insurance claims.
The Car Accident Compensation Lawyers QLD are prepared to offer free initial legal advice that explains your rights and entitlements under QLD legislation.
The amount of compensation you get for injuries from a road accident depends on their severity and how much they alter your daily life, particularly your ability to work.
An approved CTP claim for car accident injuries considers both economic and non-economic damages, including the following:
Treatment costs cover reimbursement for all types of medical expenses, like ambulances, hospitals, diagnostics, prescriptions, and medical appointments.
The Car Accident Compensation Lawyers QLD offers a free claim assessment that explains our legal fees and costs for personal injury claims. Call 1800 860 777
In Queensland, all vehicles are required to have compulsory third-party (CTP) insurance, which is included with a registered vehicle. When the unexpected happens and someone is injured in a road accident, CTP insurance covers not-at-fault drivers, passengers and pedestrians.
Consequently, a CTP insurance claim can cover lost wages and medical expenses when you can’t work because of car accident injuries. However, be aware that strict time limits apply for lodging CTP claims following a motor vehicle accident on Queensland roads..
Third-party CTP insurance specifically covers liability for personal injuries and deaths resulting from motor vehicle accidents. This protection extends to drivers, passengers, pedestrians, riders, and cyclists – essentially anyone injured due to a registered vehicle causing a crash. However, there is a significant difference between CTP insurance and comprehensive vehicle insurance
Hence, a CTP policy won’t pay for vehicle repairs or property damage – its scope is strictly limited to covering:
Queensland’s Motor Accident Insurance Act governs one of Australia’s most established CTP schemes, regulated by the Motor Accident Insurance Commission.
Our state operates an at-fault system where compensation depends on proving another party caused for an accident. Licensed CTP insurers in Queensland include Suncorp, QBE and Allianz, with each operating under standardised regulations but with differing approaches to resolving claims. The scheme provides compensation for injuries caused by an acciden including:
Queensland’s system includes unique features such as specific provisions for nervous shock claims by family members witnessing accidents.
The Queensland CTP scheme imposes strict time limits for compulsory third-party insurance claims. Missing a deadline generally means losing the right to seek compensation. These are the general time limits.
When you know the details of the at-fault vehicle, you have the earlier of:
If the details of the at-fault vehicle are unknown (e.g. a hit-and-run accident), the claim is lodged with the QLD Nominal Defendant, who takes the place of the CTP insurer. In this case, you have:
There is also a general three-year time limit to seek compensation for car accident injuries in Queensland.
There are some rare extensions granted by the courts. For example, someone who is injured in a motor accident when a minor has three years from their eighteenth birthday to lodge a claim.
Each state and territory of Australia operates its own compulsory party insurance scheme with differing features, benefits, and procedures. These rules can significantly impact an outcome, depending on where the accident occurred.
State or Territory | Regulatory Body | Scheme Types | Key Features |
|---|---|---|---|
Queensland | Motor Accident Insurance Commission (MAIC) | At-fault system | Suncorp, QBE, Allianz as licensed CTP insurers |
New South Wales | State Insurance Regulatory Authority (SIRA) | Hybrid scheme | Private insurers under government regulation |
Victoria | Transport Accident Commission (TAC) | No-fault scheme | Unique government-run compensation system |
Western Australia | Insurance Commission of WA (ICWA) | Government Scheme | CTP is included with registration fees |
If you understand each step of the CTP claims process, this knowledge can help you achieve a successful outcome and avoid any common obstacles or time-consuming errors.
What you do in the first 24-48 hours after a motor vehicle accident can affect your legal rights and the key elements of a claim.
You have the right to seek legal advice from an experienced CTP lawyer to learn about your entitlements and how to collect the necessary proof to build a case.
Gathering evidence while it’s still available is equally important, including:
To lodge a CTP claim, you need to submit it to the insurer of the vehicle responsible for the accident.
After you’ve received initial medical treatment, notify the relevant insurer and lodge an accurately completed Notice of Accident Claim Form, which begins the formal process. Any errors or omissions can give the insurer a reason to delay or dispute a claim.
In Queensland, the initial insurer response time is typically within 14 business days of lodgement, but they can take up to six months to decide liability for the accident.
After claim lodgement, the CTP insurance company will investigate to assess liability for damages and evaluate your injuries. This process may involve:
The investigation period can extend for several months, particularly in complex cases involving disputed liability or serious injuries. During this time, you should keep detailed records of all medical treatments, work absences, and accident-related expenses.
Settlement negotiations typically start when:
If you have legal representation, a CTP lawyer will present a comprehensive statement of damages to the insurer to secure fair compensation. If negotiation fails to settle, most Australian states offer alternative dispute resolution mechanisms as an alternative to court proceedings.
Once approved, claim settlements typically conclude with funds being deposited into the claimant’s bank account, minus any applicable legal costs and goverment refunds.
Accessing CTP compensation entitlements can be tricky, but with the right strategy and support, you can get through the CTP claims process and achieve a resolution.
Like any other business, compulsory third-party insurance companies aim to boost their profits. Offering income support to people injured in a motor accident through personal injury compensation runs counter to their goal. Some common tactics their use to achieve this outcome are:
They can also use delay tactics because injured people who can’t work depend on money to cover their bills and may accept a lower settlement due to urgency. These delays might include:
Expert CTP lawyers understand the strategies used by insurance companies to limit their responsibilities and how to deal with them to achieve a successful outcome.
There can sometimes be disputes about injury severity and ongoing symptoms during the CTP claims process, between your treating doctors and insurer-appointed medical assessors. These disputes can have a significant impact the amount of CTP compensation payments, particularly for injury classifications that determine how much is paid out in a lump sum payment.
Resolving the tension between independent medical examinations arranged by insurers and your own treating doctors’ assessments is usually resolved with additional expert evidence.
Legal counsel can help manage these complex medical evidence battles, which can be expensive and time-consuming.
When a road accident involves multiple vehicles or parties, a complex liability situation arises, with each being assigned a portion of fault. This level of negligence then determines which insurance companies pay damages and the amount of compensation paid to each party. Some common situations for multiple vehicle accidents include:
In such situations, each CTP insurer typically challenges the fault contribution of each party, resulting in complex negotiations.
How much you receive in personal injury compensation after a motor vehicle accident depends on:
Expert CTP lawyers regularly negotiate with the three Queensland compulsory third-party insurance companies, so they are familiar with their requirements and tactics.
They also know the strict time limits imposed by legislation, such as the Motor Accident Insurance Act 1994, to avoid forfeiting your rights.
If you have been injured in a motor accident that wasn’t your fault, CTP lawyers can explain:
The Car Accident Compensation Lawyers QLD offers a free case review that explains your rights and entitlements. All our legal services are provided on a 100% no-win, no-fee basis.
Pay only for a win and nothing if you lose. It’s free to find out your options. Call 1800 860 777
First, identify the liable CTP insurer of the at-fault vehicle, and then lodge a completed Notice of Accident Claim form. This document contains details of the motor vehicle accident and any injuries you have suffered.
In Queensland, you have the right to seek legal advice about the CTP claims process because it can be complicated to achieve a fair resolution.
Three insurance companies in Queensland are licensed to offer CTP cover, including: QBE, Suncorp and Allianz.
A CTP claim usually takes between 12 and 18 months to reach a resolution. The exception would be complex cases involving catastrophic injuries and a large settlement. The factors that impact the timeframe for CTP compensation payments include the following:
You could be eligible to make a CTP claim and qualify for workers’ compensation benefits if you are injured in a motor vehicle accident while:
Either a CTP solicitor or an experienced workers’ compensation lawyer can explain the eligibility requirements.
To find a CTP insurance company for your vehicle (or another vehicle following a road accident), you can use the MAIC website CTP insurer look-up tool.
Compulsory third-party (CTP) insurance does not cover damage to a motor vehicle in a crash. Instead, this type of insurance can provide compensation for injured people involved in the accident. A separate comprehensive or third-party property damage policy could cover damage to motor vehicles in a collision.
In Queensland, CTP insurance generally does not provide cover for drivers who cause a motor vehicle accident (at-fault drivers). However, the National Injury Insurance Scheme Queensland (NIISQ) can sometimes offer support for people who suffer severe injuries in a crash. The type of injuries that may qualify include the following:
CTP lawyers are litigation specialists who provide legal advice for compulsory third-party insurance claims. They typically have experience in negotiating personal injury compensation settlements for those who have been injured in motor vehicle accidents.
