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CTP insurance claim lawyers

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Client claims CTP insurance compensation

Our expert CTP lawyers understand how unfair getting injured on the road can feel. Compulsory Third Party (CTP) insurance is designed to protect you in case you are injured on the road and the accident was the partial or total fault of another driver. 

If you have been hurt as a result of a motor vehicle or road accident, you have the right to claim compensation, particularly if this injury affects your daily life or ability to work. Our national team of experienced CTP claim lawyers can help you understand your rights and help you make a claim for the compensation you deserve. Contact our CTP lawyers on 1800 305 568 or send us a message. 

We can't show certain information in Queensland due to local regulations.
For QLD-specific information, please select QLD from the drop down menu at the top of the page.

What is CTP insurance? 

In the same way that comprehensive car insurance protects your vehicle, road accident insurance protects you if you’re injured on the road. All registered vehicles in Australia require insurance premiums to be paid which allows the insurer to pay compensation and treatment costs to people who are injured in road accidents. In most states and territories, this is called compulsory third party (CTP) insurance.
 

Am I eligible to make a CTP claim? 

Whether you were driving a car, truck, motorcycle or public transport vehicle, of you've been injured on the road, you could be entitled to make a CTP compensation claim.

You’re covered by CTP insurance even if you’re a passenger in the at-fault vehicle, if you are a pedestrian, cyclist, or on a scooter and a vehicle causes injury to you. 

If you’re involved in a road accident, the compensation you may be eligible for will depend on which road accident scheme below applies to you. It's best to speak with a CTP lawyer to understand your rights and entitlements before you make a claim, as each state and territory also has different road accident laws.
 

How to make a CTP claim in your state or territory 

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 there are different regulatory bodies that manage this 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)

SA: CTP Insurance Regulator

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.
 

What compensation and benefits am I entitled to under CTP insurance?

Your ability to claim CTP compensation payments including medical, 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:

  • pain and suffering
  • past and future medical expenses
  • past loss of earnings
  • future loss of earnings or loss of earning capacity
  • past and future loss of superannuation contributions
  • medical and hospital (including pharmacy and counselling)
  • rehabilitation
  • nursing and disability services
  • post-acute support services
  • expenses arising from a death including funeral costs.

In some states all 'reasonable' expenses associated with your injury can also be claimed, such as:

  • travel to and from medical appointments
  • returning to work or retraining
  • home and vehicle modifications
  • attendant care services, including attendant care while travelling overseas
  • home help, domestic assistance, gardening services, school tutoring and integration aides

In some states you may have common law rights to sue the person, or the insurer of the person, who caused the accident.
 

What is the CTP claim process?

Making a CTP claim can be complicated, but your experienced CTP lawyer will be able to guide you through the process. The process for making a CTP claim will differ between states and territories, but generally it involves:

  1. Report the accident: Reporting the accident to the police where applicable (if you haven't already done this, we can submit the report for you).
  2. Submit your CTP claim: Filling out and submitting a claim form. Depending on the State you are in, this could involve filling out and submitting a Notice of Accident Claim Form with the CTP insurer of the vehicle at fault.
  3. Provide a medical certificate: Providing a special medical certificate with your CTP claim if required, which should be completed by your own doctor if possible.

 

More frequently asked questions about CTP claims

Strict time limits can apply for making a CTP claim and will vary depending on the state your claim is in, whether the injured 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 CTP claim, while in other states you may have up to a year with a possible extension of up to three years.

It's important to seek legal advice as soon as possible after your accident. Your CTP claim lawyer will be able to provide more information on what time limits apply to you. 

Contact our CTP claim lawyers today for assistance with making a claim.

Yes, you may be able to make a CTP claim if you are injured while travelling on public transport, or if you injured in an accident with a public transport vehicle.

However, laws do vary between states. Our dedicated team of CTP lawyers can help you navigate the claim process applicable to you if you've been injured in a public transport accident. 

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. How long a claim can take will depend on a number of different factors such as where the accident happened and which CTP insurance scheme applies, whether your injuries have stabilised and if any complexities arise during the process. 

Once your CTP lawyer has all the details of your accident and injuries, they will be able to advise you on the next steps and how long the claim is likely to take. Get in touch to speak with a CTP lawyer about your CTP claim. 

The best thing to do is get in contact with us to book in an obligation-free consultation or use our free claim check tool to find out if you are eligible to make a CTP claim. We will be able determine whether you have a claim and discuss all of your options with you.

Related pages
  • Motorcycle accident
  • Quad bike accident
  • Bike accident
  • Car accident
  • Fault & no fault car accidents
  • CTP claims
  • TAC claims

Find out if you have a road injury claim

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No win, no fee* CTP claims

Our 'no win, no fee'* policy means that if we don’t win, you don’t have to pay our legal fees.

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Find out if you have a claim with our free claim check

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Process for making a claim

Our specialist CTP insurance lawyers will assist you with your claim and make sure you know all the options available to you. 

We'll keep you informed throughout the whole process and provide you with legal advice that is easy to understand.

Get in touch

01

Find out if you have a CTP claim 

If you've been in a car accident, use our free claim check tool and find out in minutes if you have a claim. Our experienced road injury lawyers can advise you about your potential entitlements.

02

We’ll manage your claim.

We take care of the legal process on your behalf. Depending on the state you're in, this can vary depending on the insurance scheme. As a national firm, we have specialist road injury lawyers in each state, ready to help you. 

03

Receive payment.

If your CTP claim for compensation is successful, we'll process your payment as soon as we receive it.


  • 'I loved my job, I really did. And, the accident just changed all of that.'

    Suzanna's story

    Car accident injury

    Learn more

    Suzanna's story - Car accident injury

    Family and pets, you can't you can't put a price on that, you really can't - particularly my Staffy. When I had the first accident, he became very protective of me. Well, I had two car accidents, both times rear-ended. The first one was just on my way home from work and sitting at a set of traffic lights. I ended up with yeah pretty severe spinal injuries out of that. That took a couple of years of um surgery and rehab.

    Then another accident, and that pretty much put me straight back to square one. I loved my job, really did love my job, and the accident just changed all of that.

    When it came to getting legal advice and support, I found Maurice Blackburn. I've known they've always had a really good reputation. Rang up and managed to get to talk to this lovely lady Canda, and straight away, from that very first time that I met her, she really made me feel really comfortable.

    Working on cases like Susie's is really rewarding. It's her case at the end of the day, so she needs to be able to talk to who represents her and, in our case, we were able to have that really great dialogue and that's what gets you through the other end.

    You feel very vulnerable, so you really need you know for your lawyer to help make that recovery go a lot smoother. Maurice Blackburn and Canda were, were really supportive all the way through - and still are to now - so that's really comforting.


  • 'You can never put a price on what it is that you have lost, but the compensation has definitely made my future look hopeful.'

    Alex's story

    Car accident injury

    Learn more

    Alex's story - Car accident injury

    Well, it's been six years since my accident and it doesn't feel like it's been that long. I finally feel like the person I was the day I got run over. It was just a normal day. I woke up and I told my flatmates that I was gonna cook them breakfast. I went to the supermarket and I bought salmon and I bought bagels and then I was walking home and I got run over by a tow truck. I was in hospital and I woke up out of my coma and I asked my mum why she was in Melbourne. And my mum said ‘oh, you've been in an accident’. And I said ‘oh, okay, great, can you help me get out of bed because I’ve got to go to work’.

    After the accident I had a brain injury, among other things. I also had lost, you know, my sense of taste and smell. I was given strict instructions that I wasn't allowed to use a telephone. I wasn't allowed to watch television. I wasn't allowed to use a computer and I wasn't allowed to fly because any stimulation, you know, could damage the blood clots in my brain. No one tells you what you're entitled to, if you're entitled to anything. I had no clue and it was just by accident that I found out about the insurance.

    It was really important for us to be able to support Alex because someone in her situation, with memory and concentration problems, struggles with things like paperwork filling out forms dealing with the insurer.

    So once I’d moved back to Melbourne still dealing with the insurer was incredibly difficult, but when I contacted Maurice Blackburn, and I had them on my side, the insurance company started taking me seriously.

    The complicating factor in Alex's case was the fact that she had no memory of the incident, so she couldn't really tell her side of the story. We had to fight really hard to put together the pieces, do the investigations and show that, no, she was not at fault for her accident and that, therefore, she should be entitled to some compensation.

    You can never put a price on what it is that you have lost, but the compensation has definitely made my future look hopeful.


  • 'Driving was my life. It was something I enjoyed a lot. Now it's out of the question.'

    David's story

    Car accident injury

    Learn more

    David's story - Car accident injury

    I was on my way to, uh, work. It was very, very dark and gone over a bit of a crest on the road, and I couldn't see until it was too late. Yeah, I was involved in a car accident. I was not at fault at any point, it just happened.

    I was a truck driver for about 10 years and, most of the time I was delivering to supermarkets grocery chains. It was a very varied and enjoyable job. The injuries I sustained in the accident were very severe to the lower part of my back.

    There was a wage guarantee entitlement that they ceased it prematurely because one of the doctors had said that I had capacity to work. I thought ‘oh I better get some legal representation in regards to something down the track if this goes pear-shaped’, so I uh I came with the Maurice Blackburn name, and thought I’ll give them a ring and see what they can do for me.

    It can be frustrating at times dealing with an insurer who fails to recognise the full extent of someone's claim he couldn't work. He couldn't go back to being a truck driver, and for that reason, it was important for us to push on in his claim. Look, David's an absolute superstar. He is a very stoic man, so it was actually at times very difficult to try and obtain information from him about the extent of his injuries because he will say ‘oh I’m doing okay’ or ‘oh I’m in a little bit of pain’, when he actually has a very significant injury.

    They say eventually I’ll be wheelchair bound, so that's always a sad perspective in life to have. I would recommend Maurice Blackburn because they're supportive towards your injuries and they're happy to stand beside you while you're going along.

    It's very satisfying knowing that David has been able to obtain some form of financial security for his future.


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