CTP insurance claim lawyers

What is CTP insurance? 

In the same way that comprehensive car insurance protects your vehicle, road accident insurance protects you if you’re injured on the road. All registered vehicles in Australia require insurance premiums to be paid which allows the insurer to pay compensation and treatment costs to people who are injured in road accidents. In most states and territories, this is called compulsory third party (CTP) insurance.
 

Am I eligible to make a CTP claim? 

Whether you were driving a car, truck, motorcycle or public transport vehicle, of you've been injured on the road, you could be entitled to make a CTP compensation claim.

You’re covered by CTP insurance even if you’re a passenger in the at-fault vehicle, if you are a pedestrian, cyclist, or on a scooter and a vehicle causes injury to you. 

If you’re involved in a road accident, the compensation you may be eligible for will depend on which road accident scheme below applies to you. It's best to speak with a CTP lawyer to understand your rights and entitlements before you make a claim, as each state and territory also has different road accident laws.
 

How to make a CTP claim in your state or territory 

How you make a CTP claim will depend on the state or territory in which the accident occurred and where your vehicle is registered, as there are different regulatory bodies that manage this CTP insurance for road accidents:

QLD: Motor Accident Insurance Commission (MAIC) 

NSW: State Insurance Regulatory Authority (SIRA)

WA: Insurance Commission of Western Australia (ICWA)

NT: Motor Accidents Compensation Commission (MACC)

SA: CTP Insurance Regulator

TAS: Motor Accidents Insurance Board (MAIB)

In Victoria, the Transport Accident Commission (or the TAC) is the relevant insurer for road accidents. In the ACT, drivers must have Motor Accident Injuries (MAI) insurance.

Our dedicated team of CTP claim lawyers can help you navigate this process no matter where your accident happened and ensure you get the compensation you're entitled to. Get in touch today. 

Read more about the relevant road accident insurers in each state.
 

What compensation and benefits am I entitled to under CTP insurance?

Your ability to claim CTP compensation payments including medical, loss of income payments and lump sum payments can vary greatly depending on the state in which the road accident occurred.

CTP claims may cover:

• pain and suffering
• past and future medical expenses
• past loss of earnings
• future loss of earnings or loss of earning capacity
• past and future loss of superannuation contributions
• medical and hospital (including pharmacy and counselling)
• rehabilitation
• nursing and disability services
• post-acute support services
• expenses arising from a death including funeral costs.

In some states all 'reasonable' expenses associated with your injury can also be claimed, such as:

• travel to and from medical appointments
• returning to work or retraining
• home and vehicle modifications
• attendant care services, including attendant care while travelling overseas
• home help, domestic assistance, gardening services, school tutoring and integration aides

In some states you may have common law rights to sue the person, or the insurer of the person, who caused the accident.
 

What is the CTP claim process?

Making a CTP claim can be complicated, but your experienced CTP lawyer will be able to guide you through the process. The process for making a CTP claim will differ between states and territories, but generally it involves:

1. Report the accident: Reporting the accident to the police where applicable (if you haven't already done this, we can submit the report for you).
2. Submit your CTP claim: Filling out and submitting a claim form. Depending on the State you are in, this could involve filling out and submitting a Notice of Accident Claim Form with the CTP insurer of the vehicle at fault.
3. Provide a medical certificate: Providing a special medical certificate with your CTP claim if required, which should be completed by your own doctor if possible.