Why having a lawyer makes all the difference in your CTP insurance claim

What is CTP insurance?

Compulsory Third Party (CTP) insurance is designed to cover you if you’re injured in a motor vehicle accident caused by someone else. This includes medical treatment, rehabilitation, loss of income, and in some cases, future care expenses. While this may sound straightforward, the reality is that navigating a CTP claim can become complex quickly, especially when insurers are involved. 

Read more about CTP insurance here. 

The risks of handling your CTP claim alone

Although managing a claim on your own might seem simpler, it can often leave you vulnerable to delays, lowball offers, and unnecessary stress. On average, those who make a claim themselves receive just $18,000, compared with $147,000 for those with legal representation according to the ALA. That’s more than eight times higher, and a clear reminder of how much can be lost without expert legal support. 

Why expert legal support makes a difference

CTP insurance claims that appear simple can involve ongoing medical treatment, rehabilitation, or long-term care, and failing to properly account for these needs can significantly reduce the compensation you receive. Insurers sometimes undervalue claims or stall the process, leaving claimants uncertain and out of pocket.

As one MAIC survey respondent put it bluntly:

“The system is not working. The only way I can obtain the funds I need to rehab is by getting a lawyer of my own.”

This experience reflects a common reality that many claimants face: repeated delays, confusing paperwork, and undervalued offers. By engaging an experienced CTP lawyer early, you avoid these pitfalls and ensure that your claim is thoroughly assessed, your full entitlements are pursued, and an expert is advocating for you every step of the way.

When you’re injured, the last thing you need is to fight with an insurer. Yet many people who go it alone find themselves stressed, undercompensated, and uncertain about their future.

By engaging an experienced CTP lawyer early, you can:

• avoid unnecessary delays and undervalued offers
• ensure your claim is properly assessed for all entitlements
• have a dedicated advocate fighting for your recovery

This legal support often makes the difference between a quick, low settlement and a life-changing outcome.

Complex claims, particularly those involving chronic injuries, future losses, or long-term impairment, require careful legal advocacy. While self-represented claims might settle faster for minor cases, speed doesn’t always mean better outcomes. 

Client success story: Cindy's* story

Cindy was injured when she was hit by a car while crossing at a roundabout. Initially, her insurer agreed to fund her rehabilitation and began doing so. However, they later denied her CTP claim entirely and offered her just $1,000 to settle the matter.

Understandably, Cindy was left confused and frustrated by the insurer’s conflicting decisions - which led her to seek legal advice.

With our support, we were able to:

• challenge the insurer’s position on liability, securing an acknowledgment that responsibility was more likely to be shared equally - not solely Cindy’s, as they had originally claimed
• hold the insurer accountable for continuing to fund her rehabilitation, given their initial agreement to do so.

At mediation, the insurer offered $30,000. We knew Cindy deserved more — and after pushing back, we successfully negotiated a settlement of $100,000.

This outcome has allowed Cindy to focus on her recovery. She’s now using her voice to advocate for improved pedestrian safety at the roundabout where she was injured, working with her local council to help protect others in her community.

*Name has been changed

How we can help

If you’ve been injured in a motor vehicle accident, the last thing you need is to battle with an insurer. Engaging a lawyer isn’t just about paperwork, it’s about securing the compensation you need to recover, rebuild, and move forward with your life.

If your injury has impacted your daily life, your health, or your ability to work, you may be entitled to compensation. Our national team of experienced CTP lawyers will guide you through every step of the process, protect your rights, and fight for the best possible outcome.

Contact our CTP lawyers today for a free initial consultation and find out how much compensation you are really entitled to.