1800 305 568
Global search
If you have been hurt as a result of a motor vehicle or road accident, you have the right to claim compensation for your injuries, particularly if this injury affects your daily life or ability to work. Maurice Blackburn’s national team of experienced Compulsory Third Party (CTP) claim lawyers can help you understand your rights and help you make a claim for the compensation you deserve. Contact our CTP lawyers today.
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.
How to make a CTP claim in your state or territory
If you've been injured on the road you could be entitled to make a CTP compensation claim. However, how you make a compulsory third party 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)
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.
You can read more about the relevant insurers in each state here.
If you’re involved in an accident, the compensation you may be eligible for will depend on which of the road accident schemes above applies to you. 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.
What is the CTP claim process?
The process for making a CTP claim will differ between states and territories, but generally it involves:
Find out if you have a claim with our free claim check
Start your free claim check now
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.
Find out if you have a claim with our free claim check
Start your free claim check now
Strict time limits can apply for making a CTP claim, so it's best to seek legal advice as soon as possible. Contact our CTP claim lawyers today for more information about this process, time limits or for assistance with making a claim.
What compensation and benefits am I entitled to under my CTP claim?
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.
Why Maurice Blackburn?
Our personal injury and compensation lawyers are dedicated to protecting the rights and entitlements of you and your family.
No win, no fee*
*If we don’t win, you don’t pay our professional fees.
We care
Our local lawyers understand the impact an injury or illness has on your life and will help you through it.
Obligation-free first consultation
If you choose not to proceed with your claim, your initial consultation is free.
32 offices around Australia
We'll sort things out no matter where you are in Australia.
/Client_Testimonial_60x60px_suzanna.png)
/Client_Testimonial_500x500px_suzanna.png)
/alex_60x60px.jpg)
/alex_500x500px.jpg)
/david_60x60px.jpg)
/david_500x500px.jpg)
Similar stories
Read more about road injuries
/helmet-camera-infringement-case.jpg)
/cyclists-and-cars.jpg)
/What-you-need.jpg)
Office locations
We have 32 locations across Australia.
Get in touch with your local office.
Select your state below
- VIC
- QLD
- NSW
- WA
- ACT
- SA
- TAS
- NT
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.