No Win No Fee Personal Injury Lawyers Motor Accident Injury Claim Experts Brisbane & Gold Coast
No Win No Fee Personal Injury Lawyers specialise in all areas of personal injury law, including Compulsory Third Party Insurance Claims.
What is a Compulsory Third Party Insurance Claim, or “CTP Claim”, as they are also known? A Compulsory Third Party Insurance Claim, or CTP Claim, is quite simply a claim for compensation for injuries sustained in a motor vehicle accident. In other words, a motor accident injury claim.
The reason we use the term, “Compulsory Third Party Insurance Claim”, is because motor accident injury claims in Queensland, although brought against the at-fault driver, are actually paid for by the Compulsory Third Party Insurer (CTP Insurer) of the at-fault vehicle.
Compulsory Third Party Insurance
Compulsory Third Party Insurance is motor vehicle insurance that insures at-fault drivers against claims for motor accident injury. Under Queensland law, it’s mandatory for all motor vehicles on Queensland roads to be insured for Compulsory Third Party Insurance. It is a compulsory requirement, and hence the title, “Compulsory Third Party Insurance”.
Oddly enough, and despite its compulsory nature, many car owners are unaware they have CTP Insurance attached to their vehicle. This is most likely because, in Queensland, CTP Insurance is automatically included in your annual motor vehicle registration fees.
Often people confuse CTP Insurance with Comprehensive Motor Vehicle Insurance. However, CTP Insurance is completely separate and distinct from Comprehensive Motor Vehicle Insurance. Whereas CTP Insurance insures against motor accident injury, Comprehensive Motor Vehicle Insurance insures solely against vehicle and property damage resulting from a motor vehicle accident.
Unlike CTP Insurance, Comprehensive Insurance, is not compulsory. A motor vehicle owner can choose not to take out Comprehensive Insurance to cover claims for vehicle & property damage.
Most significantly, the purpose of CTP Insurance is to ensure that all those injured on Queensland’s roads have recourse to compensation for their injuries and any resultant loss and damage sustained as a consequence.
The Motor Accident Insurance Scheme in Queensland
CTP Insurance in Queensland is governed by the Motor Accident Insurance Act 1994 (“MAIA”). This legislation established the Motor Accident Injury Scheme in Queensland along with its Regulator, the Motor Accident Insurance Commission (MAIC). It also regulates when a person can claim motor accident injury compensation in Queensland, how the claim process runs, as well as the licensing of Queensland’s CTP Insurers.
There are only 4 licensed CTP insurers in Queensland :
- AAI Limited (Suncorp Insurance);
- Allianz Australia Insurance Limited;
- RACQ Insurance Limited;
- QBE Insurance (Aust) Limited.
Where an at-fault motor vehicle is unidentified or the vehicle is unregistered, the motor accident injury claim is brought against Queensland’s Nominal Defendant. The Nominal Defendant acts as the CTP Insurer in such case to meet the claim.
No Win No Fee Personal Injury Lawyers are Motor Vehicle Accident Claim Experts
No Win No Fee Personal Injury Lawyers are experts in motor vehicle accident claims. If you’ve suffered injury in a motor vehicle accident, we’ll provide you with FREE legal advice as to whether you’ve a worthwhile claim to pursue. Additionally, our Senior Personal Injury Lawyer will advise you how much compensation you are likely to achieve from your claim.
To discuss your claim with us, FREE Call us on 1300 388 383 or LiveChat with us online. You can also submit your Enquiry via one of our FREE Instant Case Appraisals on our website. Your enquiry will be taken by a Senior Personal Injury Lawyer, available 24 hours a day 7 days a week.
All enquiries are free of charge, 100% confidential and free of any obligation.