No Win No Fee Personal Injury Lawyers provide expert legal representation to injured Queenslanders on a No Win No Fee basis, with no upfront costs. If you have sustained an injury in an accident or you suffer a medical condition, you may have a personal injury claim, as well as a right to Injury & Disability Insurance payments. We offer a FREE Legal Advisory Service operating 24 hours a day, 7 days a week, where you can receive expert advice as to whether you have a personal injury or insurance claim to pursue, and what your claim entitlements are.

What Are Injury & Disability Insurance Claims ?

Injury & Disability Insurance Claims are claims that you may have under insurance policies providing a payment where you suffer an injury or disability. Depending on the type of policy, the insurance payment may become payable where your injury impacts upon your capacity for work or you suffer a specific type of injury or disability.

In a lot of cases, people are not even aware that they have such insurance policies that they can claim under when injured or disabled by injury or illness. These insurances can be policies specifically taken out to cover you in the event you suffer an injury or disablement, such as an income protection insurance policy, but in some cases, injury & disablement insurances can be included in insurances you hold but are not obvious to you. It is always advisable that you check all insurance policies you hold when injured, to ensure you’re not missing out on an insurance payment entitlement.

If you take out travel insurance for that overseas holiday, you may not just be able to claim for medical expenses when injured during your journey, but you may have entitlement to a lump sum payment to compensate you for your injury or income protection if your injury impacts your ability to work.

Sometimes credit cards, personal loans, mortgages, vehicle finance & Superannuation Funds can have insurances attached

In some circumstances, there is injury & disability insurance attached to credit cards, personal loans, vehicle finance, mortgages, travel related purchases and Superannuation Funds. For instance, you may not be aware that your Superannuation Fund has an insurance attached to it which will provide you with income payments for a period when you are injured and cannot work. One such Super fund that has income protection insurance attached is QSuper. The insurance becomes operative after a 28 day period of inability to work, and pays a wage type benefit weekly or fortnightly whilst you are disabled from work for up to a 2 year period. Another example is where insurances are automatically attached to your credit card, such as in the case of some American Express Credit Cards (Amex) where you claim lump sum payments for certain types of injury (ie. $15,000 for a broken leg).

What is of great assistance when you are injured is where you have injury & disability insurances attached to credit cards, personal loans, vehicle finance or mortgages. Having regular payments you have to meet to pay off loan or credit card balances can be a real problem when you are injured or sick and cannot work. In some cases these insurances will meet your regular payments over a certain period of time whilst you are disabled, or provide you with a percentage of the outstanding amount on your loan, credit card, mortgage etc., and in other cases the cover is for the total amount or a capped lump sum payment toward your outstanding balance at the time of your injury or disability.

It is particularly beneficial when you have this type of insurance attached to your mortgage, as if you are injured and cannot work, some policies actually kick in to pay your ongoing mortgage payments, and pay out your mortgage.

Partial & Permanent Disability & Total & Permanent Disability Claims

The other type of injury and disability insurance that is more commonly known is where you are paid a lump sum payment when you are permanently unable to work , or you are permanently partially impaired by an injury or medical condition. These insurances are respectively known as Total & Permanent Disability Insurance and Partial & Permanent Disability Insurance. Often these disability insurances are attached to Superannuation Funds and the Super Fund pays for the insurance premiums as part of annual administration fees, so often people are unaware they have these insurance claims available to them when they are injured.

If you have Total & Permanent Insurance attached to your Superannuation, you could be entitled to be quite a substantial payment if you are unable to return to work because of injury or illness.

To learn more about Total & Permanent Disability Insurance and Partial & Permanent Disability Insurance claims, go to our webpage on this subject at the following link: Total & Permanent Disability Claims.

It doesn’t matter how you sustained the injury or illness as long as it was not self-inflicted in order to claim

Unlike in personal injury claims where you need to show that your injury has been caused or contributed to by the fault of another, in the case of claiming for insurance payments, this is not necessary. As long as your injury or medical condition occurred or developed to the point of disablement during the coverage period of your insurance, this is all that is required. Of course, you will not be entitled to claim if it can be shown that the injury or medical condition arose because of a purposeful act by the claimant, in order to claim under the insurance policy.

Also, if you have a motor vehicle accident, workplace injury, medical malpractice claim, or any other personal injury claim resulting from the fault of another, your right to claim under any injury & disability insurances, is additional to your personal injury compensation and cannot be taken into account when calculating your damages amount. However, in some limited cases of income protection insurance policies, payments made may be required to be reimbursed to the insurer should you receive a personal injury claim payout.