Tag Archives: CTP-Insurance

Choosing the Best No Win No Fee Personal Injury Lawyers for Your Claim

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No Win No Fee Personal Injury Law Firm Gold Coast & Brisbane. No Win No Pay legal service to all Qld.

Gold Coast & Brisbane No Win No Fee Personal Injury Lawyers Explain the Best No Win No Fee Law Firm. Qld’s No Win No Pay legal service.

When you’ve been injured in an accident or in some other manner, due to the fault of another, you will want to ensure you have the best personal injury lawyers on your case.  But for most people, they believe they can’t afford the best lawyers because they just don’t have the financial means to meet the legal fees involved.  However, this is not an issue when you engage personal injury lawyers who provide a no win no fee service.

What Is a “No Win No Fee Legal Service”?

A no win no fee legal service, or no win no pay service as it is also known, is where a law firm runs a legal action on behalf of a client, and does not charge the client until the end of the action, and only if the legal action is successful.  If the legal action is not successful, then the law firm does not get paid.Continue reading→

Car Accident Lawyers Explain Accidents Involving Livestock on Highway

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Motor Vehicle Accident Lawyers Brisbane & Gold Coast, explain claims for injuries from colliding with animals on highways. No Win No Fee Lawyers Gold Coast & Brisbane. Servicing all Qld.

Gold Coast and Brisbane Car Accident Lawyers Explain Personal Injury Claims Arising from Motor Accidents Caused by Animals on Highways. No Win No Fee Lawyers Brisbane & Gold Coast. Servicing all Qld.

If you Hit Livestock on a Qld Road the Law says you Can’t Claim Injury Compensation

In Queensland there’s a rule established by the decision in Searle v Wallbank, that if you hit, or swerve to avoid a cow, horse, pig or any other type of livestock, straying onto the roadway from a nearby farm, the owner of the animal is not liable for any injury compensation or property damage arising from the motor vehicle accident.

Searle v Wallbank is an old English Court of Appeal decision. It has in more recent times been abolished in the United Kingdom and most Australian States but not in Queensland. What the rule says is that owners and occupiers of land adjoining highways are not obligated to fence or maintain fences, hedges, gates etc. to keep their livestock from straying onto nearby highways and nor do they hold a duty to take reasonable care to prevent their animals from straying onto nearby highways, unless the animal is known to be dangerous.Continue reading→

Unusual Queensland Road Rules

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Qld Car Accident Lawyers with offices in Brisbane and Gold Coast explain unusal Qld Road Rules. No Win No Fee Lawyers.

Car Accident Lawyers Gold Coast and Brisbane Tell of Unusual Road Rules in Qld. No Win No Fee Lawyers servicing Qld with offices in Brisbane and Gold Coast.

There are some very unusual Road Rules in Queensland

In Queensland, there are still subsisting today, some very antiquated Road Rules that were relevant in the time of horse and carts but are no longer of any relevance in the modern world of motoring today.

For instance, did you know that the taxi cab you got home from a night out should have had a bale of hay in its boot ? Well, according to Queensland Road Rules it should have. This is an old Road Rule from days of yore when you needed to have that extra bale of hay at the ready to feed the horse pulling your cart! It is the equivalent to having an extra can of petrol in the boot of your car.

Riding animals on the roadway was obviously a common event in days gone by. One of the Road Rules from this bygone era still prevails today and says that if you ride your dog, pig, cow or horse on the road, then it can be considered that you’re in operation of a vehicle.

So, if you’re partying with your mates, and you decide to ride your pet dog or pig down the street drunk, you can actually be charged with drink driving !Continue reading→

Injured In a Car Accident But Don’t Have Details of the At-Fault Motor Vehicle?

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Motor Accident Injury Compensation Claims when the at-fault vehicle is unidentified

Brisbane and Gold Coast Car Accident Lawyers explain claims when the at-fault vehicle is unidentified in a motor vehicle accident.

If you’re injured in a motor vehicle, car, truck, motorcycle, bicycle or pedestrian accident, but you failed to obtain details of the at-fault vehicle or driver after the car accident, you can still bring a claim to recover compensation for your injuries. In such case, your claim is brought against the Nominal Defendant.

Who or What is the Nominal Defendant?

The Nominal Defendant is a quasi-governmental body, specifically established to step in and act as the Compulsory Third Party (CTP) Insurer where the at fault vehicle is unidentified or unregistered and therefore does not have CTP insurance. But there are 2 very important points you need to be aware of.Continue reading→

QLD Motor Accident Claims Work

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Brisbane Car Accident Lawyers explain fairness of the Qld Motor Accident Scheme

Brisbane motor accident lawyers explain how the Qld motor accident injury claim scheme works. No win no fee lawyers with offices in Brisbane and on the Gold Coast.

Recently we have seen Compulsory Third Party (CTP) insurers, RACQ Insurance and Suncorp Insurance, complaining about the CTP Claims Scheme in Queensland and lobbying for changes. This is a recurring theme for Queensland Insurers.

Insurers often use the threat of higher insurance premiums to incite public support for their campaign to reduce compensation payments in motor vehicle accident claims, citing increasing claims and claim costs as the reason for this potential price hike. But what Insurers don’t tell you is there has actually been a reduction in claims for motor accident injuries in Queensland over the past 10 years.

MAIC is the Motor Accident Insurance Commission in Queensland. This body regulates the Queensland Motor Accident Insurance Scheme, regulating CTP insurance and personal injury claims for motor accident injuries in Queensland.  MAIC issues reports annually showing motor accident claim statistics for each financial year. These statistics clearly show that there has been a reduction in motor accident injury claims over the past 10 years and this is particularly so given Queensland’s increasing population and number of registered vehicles on Queensland roads over this period.

MAIC’s latest financial year statistics (2016 financial year) show that in the 2008 financial year there were over 3,324,000 registered vehicles in Queensland, 6524 claims and a personal injury claim frequency score of 2. In the 2016 financial year there were around 4,064,000 registered vehicles in Queensland, 6888 claims and a claim frequency score of 1.7.  This clearly indicates a decreasing claim frequency over the past 10 years.

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Steps to Take Following a Motor Vehicle Accident

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Personal Injury Lawyers’ Warn Don’t Ignore Minor Accident Injuries

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No Win No Fee Personal Injury Lawyers explain the importance of reporting & not ignoring minor accident injuries.

Personal Injury Lawyers offering No Win No Fee Services to Queenslanders, with offices in Brisbane & Gold Coast, explain the importance of reporting & not ignoring minor accident injuries.

As personal injury lawyers we often see cases where what are considered minor injuries sustained in an accident, becoming long term problems later on, interfering with everyday living activities and employment and in some cases, even requiring surgery down the track.

Whiplash & Strain Injuries Can Become Long Term Problems

A prime example of this are whiplash or strain injuries from motor vehicle accidents. Often victims of these types of injuries are told their injuries will improve over a short period of time, leaving them with no long term problems. However, although these types of injuries can improve initially in the weeks or months following an accident, they can tend to “hang around”, flaring up with certain activity and becoming long term problems for their sufferers.

Whiplash injuries can result in ongoing headaches, neck pain & stiffness & can restrict everyday living and Continue reading→

How Much Compensation Will I Recieve For My Personal Injury Claim?

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Personal Injury Lawyers article on how to calculate injury compensation in a personal injury claim. No Win No Fee Personal Injury Lawyers in Brisbane & Gold Coast.

Personal Injury Lawyers explain how compensation is calculated in a personal injury claim. No Win No Fee Personal Injury Lawyers, Brisbane & Gold Coast.

No Win No Fee Personal Injury Lawyers are often asked this question when taking enquiries about personal injury claims. And understandably so. If you’re considering whether you’ll take legal action by way of a personal injury claim, then you’ll want to know how much compensation you are looking at achieving in taking that step. You need to know it will be a worthwhile process.

Calculating Personal Injury Claim Compensation Amounts

It is just not possible for a personal injury lawyer to tell you point blank, you’ll receive so much compensation for your personal injury claim, just by the injury you have sustained.  There are numerous variables to be considered.  No one personal injury claim is exactly like another, because each of these variables will be different for each individual claimant.

The major variables to be considered when calculating personal Continue reading→

What’s a Compulsory Third Party Insurance Claim?

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No Win No Fee Personal Injury Lawyers specialise in motor vehicle accident claims. We are experts in Compulsory Third Party Insurance claims & are Brisbane & Gold Coast Motor Vehicle Accident Claim Lawyers.

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.

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Brisbane and Gold Cost Personal Injury Lawyers explain Common Law Claims

What is a Common Law Claim?

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No Win No Fee Personal Injury Lawyers are experts in personal injury claims, including Common Law Claims. A Common Law Claim is what most of us know as a lawsuit. It is where you sue a party who has wrongfully or negligently caused you to suffer injury, to obtain compensation for your injury and any resulting loss and damage. Examples of this are where you sue an at-fault driver for injuries you suffer in a car accident, or suing a Shopping Centre for injuries sustained because of unsafe premises.

The Difference Between a Common Law Claim and a Statutory Claim

Common Law claims are claims you have at Common Law.  “Common Law” is law that has developed over many years of judicial decisions (Court decisions). It is to be distinguished from “statutory law”, which is law enacted by legislation or statute. Rights or entitlements we have at Common Law can only be altered by legislation specifically restricting or adding to them.

A good example of this is in the case of work injury claims in Queensland. When a worker in Queensland is injured at work, on their way to or from work or during a work break, they have a right to bring a workers’ compensation claim. A worker’s right to workers’ compensation is not a Common Law right. It is a right provided by way of legislation or statute, more specifically, the Workers’ Compensation & Rehabilitation Act 2003. Hence, often workers’ compensation claims are referred to as “statutory claims”.

Common Law Claims For Damages for Work Injury

But workers in Queensland also have another right to claim compensation when injured at work. This secondary claim is their Common Law right to claim damages, and hence is called a Common Law Claim for Damages. It is where the injured worker brings a legal claim, or law suit, against their employer, to obtain lump sum compensation for their work injury and any resulting loss and damage caused by their injury.

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