CTP insurance claim lawyers in Queensland

What does CTP insurance cover?

CTP insurance provides compensation for people injured in a motor vehicle accident, depending on fault and the severity of the injury. In Queensland, compensation may include:

• Medical treatment and rehabilitation: Reasonable and necessary medical, hospital, rehabilitation and therapy costs, including physiotherapy, counselling and specialist support.
• Income support: Compensation for lost wages and reduced future earning capacity, including loss of future superannuation.
• Pain and suffering: Compensation for the physical, emotional and lifestyle impact of your injuries.
• Travel and care costs: Expenses related to treatment, including travel and ongoing care needs.

CTP insurance does not cover property damage, vehicle repairs, damage to personal items, or injuries to the at-fault driver.

The amount of compensation you can claim depends on the nature and extent of your injuries and how they affect your life. Independent medical assessments are used to help determine your entitlement.

What is excluded from CTP coverage?

CTP insurance does not cover:

• Property damage: Any damage to vehicles, buildings, or other property is not covered. This also includes any personal items like phones or laptops.
• Vehicle repairs: Costs for repairing your vehicle are not covered by CTP insurance.
• Injuries to the at-fault driver: If you are responsible for the accident, your injuries are not covered.

Finding the other party’s vehicle's CTP insurer

To find the other party’s CTP insurer:

• Contact your insurer for assistance: Your insurer can sometimes help locate the other party’s insurance information.
• Seek legal advice: Although you can lodge your own CTP claim, facing the insurer’s legal team alone can be extremely daunting. Our expert CTP lawyers have looked after thousands of successful CTP insurance claims and can help identify vehicles and insurers to get achieve the best possible outcome.

Contacting the CTP insurer

When contacting the insurer:

• Provide clear and accurate details of the accident
• Keep records of all communications: Document all interactions with the insurer for future reference.
• Be aware of the timeframes for reporting and claiming: Understand the deadlines for reporting the accident and filing a claim.
• Remember: with experienced lawyers by your side, they deal with the insurer for you – with the knowledge and experience that can help you achieve a positive result.

If the driver can’t be identified or wasn’t insured, you can still lodge a claim through the Nominal Defendant, a government-backed insurer that covers such cases.

You are eligible to make a CTP insurance claim in QLD if your injury was caused by another person’s driving. The claim usually needs to be lodged within three years of the accident.

If the at-fault driver is not identified, the time limit is shorter, and you generally only have nine months to lodge your claim.

Most claims are resolved within 12 to 18 months, but complex injuries or disputes about how an accident happened may take longer to finalise. We can discuss expected timeframes during your free initial consultation.

Compensation is calculated based on:

• Severity of injuries
• Impact on daily life and ability to work
• Medical expenses and future care needs
• Pain and suffering
• Medical evidence is required to prove this.

Yes, of course. We have a large and supportive team and can assist you at any stage if your preferences change, ensuring you always feel well supported throughout your claim.

Yes, if you’ve experienced anxiety, PTSD, or other psychological injuries after an accident, you may be eligible for compensation, provided your condition is diagnosed and linked to the incident.

While it might seem easieror cheaper to manage a CTP claim on your own, doing so can often lead to delays, added stress, and smaller payouts. Many self-managed claims settle for far less than they’re worth because insurers have the upper hand in negotiations.

According to the Australian Lawyers Alliance, people who handle their own CTP claim receive an average payout of around $18,000, compared with approximately $147,000 for those represented by a lawyer.

That’s a difference of more than eight times the compensation, which is a strong reminder of how valuable expert legal support can be when protecting your rights and ensuring a fair outcome.

Find out why having a lawyer can make a real difference by reading our blog here.