Injured in a car or road accident in Queensland?
We will help get the compensation you deserve.
If you’ve been injured in a road or transport accident you may have a claim for compensation.
Accidents involving vehicles are an unfortunate part of life in our modern world.
If you’re injured in a car or road accident in Queensland, you may be eligible to lodge a claim for compensation under the Compulsory Third Party (CTP) insurance scheme if the accident was the fault, whether total or partial, of another party.
To make a CTP insurance claim, you’ll need to:
• Report the incident to the police (you’ll need a police report for investigation)
• Find out the CTP insurer for the at-fault vehicle and submit a Notice of Accident Claim Form
• Get a medical certificate from your GP listing your injuries
Zaparas Lawyers are happy to assist you lodging your CTP claim. We understand this can be quite a daunting process, so we are happy to assist you every step of the way.
Who can make a CTP compensation claim?
Any person injured, both physically and/or psychologically, in a car or road accident in Queensland can claim compensation against the CTP insurer of the at-fault vehicle.
You can be a pedestrian, passenger, cyclist, motorcyclist or driver, as long as the accident was the fault (total or partial) of someone else and the accident occurred in Queensland or involved a Queensland registered vehicle.
The at-fault driver, unfortunately, is not eligible for compensation through the CTP scheme. (Though they may be able to turn to their superannuation insurances like TPD or income protection for some level of coverage).
In most cases, an injury can include a recurrence, aggravation, acceleration, exacerbation or deterioration of a pre-existing injury.
CTP insurance also provides assistance for those who have lost a loved one due to a car or road accident.
What does CTP cover? What CTP entitlements are available?
If you’re injured in a car or road accident in Queensland that was not your fault, you may be eligible for a range of benefits through CTP insurance, including:
• Loss of past and future income, including superannuation benefits
• Medical and treatment expenses, including rehabilitation
• Personal care and support services
• Special damages, like medication, travel, and aids
• Pain and suffering
It’s important to note that in Queensland, CTP insurance claims are generally paid out only in lump sum compensation rather than weekly benefits.
The National Injury Insurance Scheme (NIIS), which is separate to the CTP scheme, will look after you if you’ve sustained serious personal injuries that require lifetime help.
Are there time limits to lodging a CTP claim in Queensland?
Yes. Personal injury claims that fall under the Motor Accident Insurance Act 1994, such as CTP claims, are held to specific statute of limitations.
Car or road accident injury claims must be made within nine months of the date of injury (or as soon as the first symptom of injury occurs); or within one month of consulting a lawyer.
Even after nine months, you can still lodge a claim up to three years after the accident, but you’ll need to provide a reasonable excuse for the delay.
If the claim is being lodged with the Nominal Defendant, there is a time limit of three months.
How long does a CTP claim take?
A CTP claim can take anywhere between six months and three years to resolve. In 2020, the average claim length was about 16 months.
What is Compulsory Third Party (CTP) insurance in Queensland?
In Queensland, the CTP scheme is a common law “fault” based system that covers the owner or driver of a vehicle that caused injury to other road users. For example, your CTP policy covers liability for personal injury and related compensation costs if you’re found to be at fault for a car or road accident.
Every vehicle owner must pay CTP insurance as part of their registration. So, as long as your vehicle is registered, your CTP insurance policy will cover you.
There are four insurance companies that offer CTP insurance in Queensland including RACQ, Allianz, Suncorp and QBE.
Note: CTP insurance does not cover any type of property damage. You will have to turn to their comprehensive insurer for this.
Why Zaparas Lawyers?At Zaparas Lawyers, our experience and expertise with motor vehicle accidents lets us work with you to establish the full extent of your claim and the benefits that you’re entitled to receive.
We understand that when you’re injured, your family and friends can feel the impact of your accident too.
We know our clients rely on us to get the best outcome, which is why our road compensation experts will focus on getting you the benefits and compensation you’re entitled to.