A road accident can have a significant impact on your health, finances, and everyday life. If you've been injured because of someone else's actions on the road, you may be entitled to compensation through Compulsory Third Party (CTP) insurance.
Our experienced CTP lawyers can help you understand your rights, explain your options, and guide you through the claims process. Whether your injuries are affecting your ability to work, care for your family or go about your daily life, we're here to help you access the support and compensation you may be entitled to.
Contact our CTP lawyers for an obligation-free discussion about your situation.
If you're injured in a road accident, CTP insurance can help cover the cost of treatment, rehabilitation, and compensation.
All registered vehicles in Australia are required to have compulsory insurance in place to support people who are injured on the road. In most states and territories, this is known as Compulsory Third Party (CTP) insurance. The scheme allows insurers to cover compensation and treatment costs for people injured in motor vehicle accidents, depending on their circumstances and the laws that apply in their state or territory. Even if the vehicle wasn't registered, you may still have rights.
Like comprehensive insurance helps protect your vehicle, CTP insurance is there to support people whose lives have been affected by a road accident.
Making a CTP claim can be complex, particularly when you're recovering from an injury. Claims often involve strict time limits, detailed paperwork, and negotiations with insurers.
Having an experienced CTP lawyer on your side can help you understand your rights and the compensation and benefits that may be available to you. Our team can manage communications with the insurer, gather evidence to support your claim and provide clear advice in plain language throughout the process.
We're committed to making the process as straightforward as possible, so you can focus on your recovery while we focus on your claim.
If you've been injured in a road accident, you may be entitled to make a CTP compensation claim. This may apply whether you were driving a car, truck, motorcycle or public transport vehicle, or if you were injured as a passenger, pedestrian, cyclist or scooter rider.
CTP insurance can cover both physical and psychological injuries, including conditions such as post-traumatic stress disorder (PTSD) and anxiety following a road accident.
The compensation and benefits available to you will depend on the road accident scheme that applies in your state or territory. Because road accident laws vary across Australia, it's important to understand your rights and entitlements before making a claim. Speaking with an experienced CTP lawyer can help you understand the options available to you and make informed decisions about your next steps.
Even if you were wholly or partly at fault for a road accident, you may still be entitled to support under the relevant CTP scheme.
In some states, people who are at fault or partially at fault can access benefits such as medical expenses and income support for a period of time. In no-fault schemes, benefits may be available regardless of who caused the accident.
Every situation is different. Our experienced CTP lawyers can assess your circumstances, explain your rights, and provide clear advice about the benefits and compensation that may be available to you.
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 different regulatory bodies manage 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)
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.
Your ability to claim CTP compensation payments, including medical costs, 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:
Weekly income support payments are available under some CTP schemes for a defined period, which varies by state.
In some states all ‘reasonable’ expenses associated with your injury can also be claimed, including:
If a loved one was fatally injured in a road accident, you may also be entitled to death benefits and dependency claims.
In some states you may also have common law rights to pursue additional compensation for pain and suffering and future economic loss.
Yes, in many states you may be eligible to pursue a common law claim on top of your statutory CTP benefits. A common law claim allows you to seek additional compensation for pain and suffering and any future economic loss resulting from your injuries.
Eligibility generally depends on the severity of your injuries and the degree of fault involved. Our CTP compensation lawyers can assess whether a common law claim is available to you and advise you on the best path forward.
Making a CTP claim can be complicated, but your experienced CTP lawyer will be able to guide you through every stage. The process will differ between states and territories, but generally it involves the following steps.
Our CTP claim lawyers will assess your options, explain your entitlements and discuss next steps. There is no cost if you choose not to proceed.
Use our free claim check tool to get started.
Report the accident to the police where applicable. If you have not already done this, we can submit the report for you.
Fill out and submit a claim form with the relevant CTP insurer. We will manage this process on your behalf.
Your CTP lawyer will collect the documents, reports and witness statements needed to build the strongest possible claim.
You may need to be assessed by an independent medical examiner. We will arrange these appointments for you.
We will negotiate with the insurer and handle all correspondence. The timeframe for a CTP claim varies depending on the state or territory, the complexity of the injuries and whether court proceedings are required. Your lawyer will be able to provide guidance based on your circumstances.
Our specialist, well-versed team of CTP claim lawyers will assist you with your claim and make sure you know all the options available to you. We will keep you informed throughout the whole process and provide legal advice that is easy to understand.
Maurice Blackburn also specialises in TAC claims in Victoria, CTP claims in Queensland, car accident claims, motorcycle accident claims and bike accident claims across Australia.
Strict time limits apply for making a CTP claim and vary depending on the state, whether the injured person is an adult or a child, and who is at fault.
In some cases, you may have as little as 28 days from the date of the accident to lodge your initial claim, while in other states you may have up to a year with a possible extension of up to three years. It is important to seek legal advice as soon as possible.
Your CTP claim lawyer can advise on what time limits apply to you. Contact our CTP claim lawyers today.
Yes, you may be able to make a CTP claim if you are injured while travelling on public transport, or if you are injured in an accident involving a public transport vehicle. Laws do vary between states. Our dedicated team of CTP lawyers can help you navigate the claim process applicable to your situation.
It is possible to lodge a CTP claim without legal representation, but CTP schemes are complex, and insurers have their own legal teams. Without a specialist CTP claim lawyer, you are likely to miss entitlements, accept lower settlements or make procedural errors that affect your claim. Our CTP lawyers work on a No Win, No Fee basis, so there is no financial risk in seeking early advice.
If the vehicle that caused or contributed to the accident was unidentified or unregistered, you may still be able to make a claim. Each state and territory has rules for these situations, but extra steps and stricter timeframes often apply.
Because the rules vary across Australia, it is important to get advice early. Our dedicated CTP lawyers can explain which scheme applies, identify the correct insurer or authority, and help you protect your claim.
If the insurer rejects your claim or makes a decision you disagree with, you have the right to challenge that decision. Our CTP compensation lawyers can review the determination, advise you on the grounds for dispute and represent you through the review or appeal process. Do not accept a rejected or reduced claim without first speaking to one of our CTP lawyers.
Our CTP claim lawyers are experienced in winning fair compensation for our clients on a No Win, No Fee basis. Call us to organise a free first consultation and find out where you stand.
Every road accident injury is different, and so is every compensation claim. Timeframes vary significantly between states and territories and depend on the complexity of the injuries and whether a common law claim is involved. Once your lawyer has reviewed your circumstances, they can provide a more accurate indication of how long your claim may take.
Once your CTP lawyer has the details of your accident and injuries, they will advise you on the likely timeframe. Get in touch to speak with a CTP lawyer about your claim.
The best thing to do is to get in contact with us to book an obligation-free consultation or use our free claim check tool. We will determine whether you have a claim and discuss all of your options with you.
Take the first step towards justice and support. Our team of dedicated road accident lawyers is here to listen to your story and provide expert legal assistance and support.
Contact us today for a confidential, no-obligation consultation.
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