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)
TAS: Motor Accidents Insurance Board (MAIB)
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)
- 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:
- 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).
- 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.
- 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.
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.
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.
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.
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.
If your CTP claim for compensation is successful, we'll process your payment as soon as we receive it.
We’re here to help. Get in touch with your local office.
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We have lawyers who specialise in a range of legal claims who travel to Australian Capital Territory. If you need a lawyer in Canberra or elsewhere in Australian Capital Territory, please call us on 1800 675 346.
We have lawyers who specialise in a range of legal claims who travel to Tasmania. If you need a lawyer in Hobart, Launceston or elsewhere in Tasmania, please call us on 1800 675 346.