Our QLD CTP lawyers provide legal advice for CTP insurance claims to those injured in a no-fault car accident, 100% no-win, no-fee, with a free claim review.
Claiming car accident compensation is a complex process, and third-party CTP insurance companies may seek to limit your entitlements. That’s when car accident lawyers can help you understand your right to claim common law damages.
However your road accident happened as a vehicle driver, truck driver, passenger, bicycle rider, motorcycle rider, or any other circumstance, an experienced CTP claim lawyer can explain your entitlements.
Our accident lawyers offer a free initial consultation for CTP claims. Pay for a win and zero if you lose, with no upfront fees.
It’s free to know your full entitlements. Call 1800 700 125 or email us
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For Queensland drivers with a registered vehicle, third-party CTP insurance provides cover for common law claims involving personal injury or fatality. Consequently, injured road users can apply for personal injury benefits from the CTP insurer of the at-fault driver.
Car insurance covers vehicle damage, but a CTP policy covers compensation for injuries to the following:
The third-party CTP insurance scheme covers medical expenses and lost income, for both physical and psychological injuries.
Highly skilled CTP lawyers can properly assess your case and explain your full entitlements.
Your legal right to claim compensation for Queensland motor vehicle accidents is covered by the Civil Liability Act 2003, and the Motor Accident Insurance Act 1994.
Generally, this legislation outlines the compensation claims you can make and car accident compensation entitlements. Our dedicated team can, for free, explain how this legislation applies to your circumstances. Call 1800 700 125
CTP Claims will resolve at different times depending on individual circumstances. That’s because every car accident is different, including the time it takes to reach a settlement.
You may be eligible to make a CTP claim for any type of car accident injury. How some medical conditions are more common.
The Motor Accident Insurance Act 1994 (Qld) imposes strict time limits for injured people to start the CTP claim process. According to MAIC, you must lodge your claim within the earlier of:
If the vehicle that caused the accident has insurance coverage, the deadline for filing compulsory third-party insurance claims is three years.
But if the driver that caused the motor vehicle accident is unknown or uninsured, there is a three-month time limit to lodge your claim against the nominal defendant.
The claim lodgement time limit is much shorter when the driver or vehicle that caused the car accident is unknown, unregistered or uninsured. In that case, a CTP compensation claim is funded by the QLD nominal defendant.
As state on the MAIC website, you must lodge your motor vehicle accident claim within three months or up to nine months if you have an accepted reason for exceeding the deadline.
Splatt’s CTP claim lawyers can explain your rights and time constraints that apply to your case for free. Call 1800 700 125
A road injury that wasn’t your fault can disrupt your life. The physical or psychological damage can make it difficult to focus on your financial circumstances, including the cost of advice from QLD CTP lawyers. When you work with Splatt Lawyers provides 100% no-win, no-fee legal services for third-party accident insurance claims, which means:
Our car accident lawyers can explain how we charge fees during a free consultation. Call 1800 700 125
How much you receive in personal injury benefits depends on the extent of your injuries and their impact on your life. Your entitlements could include compensation for both past and future economic loss and non-economic losses, including the following:
The CTP insurer may also pay for medical expenses needed because of the accident. These include doctor visits, surgery, and physical therapy.
Splatt Lawyers’ compulsory third-party legal team advises on legal claims with Queensland CTP insurers. It’s free to know your rights. Call 1800 700 125
If you are injured on a Queensland road and making a CTP claim, you start the process by submitting a Notice of Accident Claim form to the insurer of the at-fault driver. Please understand that this form is a legal declaration and there can be severe consequences if you provide a deceptive statement to the CTP insurer.
Splatt Lawyers provides legal advice on a 100% no-win, no-fee basis, including the process for a successful outcome. Call 1800 700 125
This guide is a roadmap of the CTP claims process.
1. Medical Treatment
Seek medical treatment to stabilise your injuries and get a medical certificate.
2. Gather Evidence
Next, gather evidence and notify the CTP insurer of your intention to seek compensation. Documents can include:
3. Lodge a Claim Form
Next, you lodge a completed motor vehicle accident claim form. The insurer will let you know within 14 business days if your case is compliant.
During this time, they may also offer to fund ongoing care costs and provide income support.
4. Liability is Assessed
The Queensland third-party insurer of the vehicle at fault will accurately assess liability within six months (sometimes less).
5. CTP Insurer Collates Information
The CTP insurance company will collate your medical reports and assessments to assess your CTP compensation payments.
6. Medical Assessment of a Stable Injury
You may have a medical assessment once your injury has reached Maximum Medical Improvement.
7. Negotiate Fair Settlement of CTP Claim
8. Challenge a Denied Claim
Witnessing a terrible accident can be very disturbing. Seeing a friend or loved one suffer harm or death in a motor vehicle accident can lead to a prolonged emotional injury.
People in Queensland with a psychological reaction to a tragic accident may be eligible to claim compensation for nervous shock.
This kind of personal injury claim usually applies to close friends and family members. It can also apply to first responders like police, ambulance, and fire officers.
You could be eligible for a lump sum payout if you.
For some people, their physical or psychological injury becomes worse over time. This means that if your injury was initially minor, it may become non-minor.
A QLD CTP lawyer can advise you on your lump sum compensation entitlements.
Are you making a CTP claim? Accessing your personal injury insurance entitlements can be challenging when lodging a CTP insurance claim. Typically, the insurance company will have its own set of rules and regulations for assessing your case to determine the value of your payout.
It’s free to know your legal options. Call 1800 700 125
Our personal injury law firm provides legal advice to people injured in a motor vehicle accident from ten QLD-wide locations.
If you are harmed on a Queensland road and the accident is not your fault, you could lodge a compensation claim for personal injury benefits. You lodge a CTP claim with the insurer of the at-fault vehicle.
Splatt Lawyers can help you find the relevant insurer and explain how to receive your legal entitlements.
It is typical for the CTP insurer to appoint an investigator for a road accident. This investigator will get statements from the vehicle drivers and any witnesses. They will probably ask you for a statement, too. How you word your account is significant to the outcome of your case.
You have the right to seek legal advice before making a statement to a CTP claim investigator.
If the vehicle at fault is unregistered, there is no CTP insurer. In this circumstance, you can claim against the State of Queensland’s Nominal Defendant. This statutory body was created under the Motor Accident Insurance Act of 1994, enabling injured people to claim personal injury compensation.
There are strict time limits to submit your case to the nominal defendant. Once you have lodged your claim, they will fund your medical costs while your car accident compensation claim progresses.
You can choose to lodge a claim directly with the relevant insurer and without the support of a car accident lawyer. However, statistics demonstrate that people who choose to represent themselves in CTP claims against insurers are usually disappointed.
Queensland’s three licensed CTP insurers are Suncorp, Allianz, and QBE. One of these insurance companies would likely fund your car accident compensation.
There is no maximum limit on compensation for common law damages in Queensland, as calculations consider multiple factors, including:
However, there is a maximum compensation limit for pain and suffering.
According to the 2014 Civil Liability Regulation, the maximum compensation for pain and suffering is approximately $456,950 for an ISV rating of 100.
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