Specialised CTP Insurance Claim Lawyers for Car Accidents in Queensland
How does a CTP claim work after a Queensland car accident?
CTP is the insurance nobody thinks about until they're hurt. Now it's your whole claim. If you've been injured on a Queensland road, CTP is the scheme your claim will most likely run through.
What CTP actually is
We work inside this scheme every week. CTP stands for compulsory third party insurance, and it's built into the registration of every Queensland vehicle. It covers the people a vehicle injures, not the vehicle itself. When a driver causes a crash, it's their CTP insurer that responds to claims from the people hurt.
Does CTP cover damage to your car?
No.
Vehicle repairs sit with your own comprehensive or third party property insurance. CTP exists only for injuries to people.
Who can claim
We act for drivers, passengers, motorbike riders, cyclists and pedestrians injured because someone on the road was negligent (careless in a way the law recognises). Queensland's scheme is fault based, so a claim rests on showing that another person's driving caused the injury, entirely or in part. We handle road accident claims across Australia, except in New South Wales and South Australia.
What a CTP claim can cover
We claim for what the injury takes from you:
- medical treatment and rehabilitation costs
- income lost while you can't work
- care and assistance at home
- lump sum compensation for pain and for reduced earning capacity where injuries last
What are the time limits?
In Queensland, the notice of accident claim form (the document that formally starts a CTP claim) generally has to reach the insurer within nine months of the accident, or within one month of first consulting a lawyer, whichever comes first. Court proceedings generally need to begin within three years.
What happens after your claim is lodged
We prepare the notice of accident claim form and deal with the CTP insurer from that point on: its liability decision, its requests for information and its medical appointments. Most claims then move to a compulsory conference (a settlement meeting the scheme requires before any court step), and many resolve there. One thing we're upfront about: because the scheme is fault based, a claim can't succeed where no other road user was to blame.