{"id":6376,"date":"2017-07-03T09:01:21","date_gmt":"2017-07-02T23:01:21","guid":{"rendered":"http:\/\/nowinnofeepersonalinjurylawyers.com.au\/?p=6376"},"modified":"2017-09-21T06:30:36","modified_gmt":"2017-09-20T20:30:36","slug":"compulsory-third-party-insurance-personal-injury-lawyers","status":"publish","type":"post","link":"https:\/\/nowinnofeepersonalinjurylawyers.com.au\/index.php\/2017\/07\/03\/compulsory-third-party-insurance-personal-injury-lawyers\/","title":{"rendered":"What’s a Compulsory Third Party Insurance Claim?"},"content":{"rendered":"
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No Win No Fee Personal Injury Lawyers Motor Accident Injury Claim Experts Brisbane & Gold Coast<\/p><\/div>\n

No Win No Fee Personal\u00a0Injury\u00a0Lawyers specialise in all areas of personal injury law, including Compulsory Third Party Insurance Claims.<\/p>\n

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,\u00a0is quite simply a claim for compensation for injuries sustained in a motor vehicle accident. In other words, a motor accident injury claim<\/a>.<\/p>\n

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.<\/p>\n

Compulsory Third Party Insurance<\/span><\/h2>\n

Compulsory Third Party Insurance is motor vehicle\u00a0insurance that\u00a0insures at-fault drivers against claims for motor accident injury. Under Queensland law, it’s mandatory for all motor\u00a0vehicles on Queensland roads to be insured for Compulsory Third Party Insurance. It is a compulsory requirement, and hence the title, “Compulsory<\/span> Third Party Insurance”.<\/p>\n

Oddly enough, and\u00a0despite its compulsory nature, many car owners are unaware they have CTP Insurance attached to their vehicle. \u00a0This is most likely because, in Queensland,\u00a0CTP Insurance\u00a0is automatically included in your annual motor vehicle registration fees.<\/p>\n

Often people confuse CTP Insurance with Comprehensive Motor Vehicle Insurance. However,\u00a0CTP 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.<\/p>\n

Unlike CTP Insurance, Comprehensive Insurance, is not compulsory. A motor vehicle owner can choose not to take out\u00a0Comprehensive Insurance to cover claims for\u00a0vehicle & property damage.<\/p>\n

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.<\/p>\n

<\/p>\n

The Motor Accident Insurance Scheme in Queensland<\/span><\/h2>\n

CTP Insurance in Queensland is governed by the Motor Accident Insurance Act 1994<\/a> <\/em>(“MAIA”).\u00a0<\/em>This legislation established the Motor Accident Injury Scheme in Queensland along with its Regulator, the Motor Accident Insurance Commission <\/a>(MAIC).\u00a0It\u00a0also regulates when a person can claim motor accident injury compensation in\u00a0Queensland, how the claim process runs, as well as the licensing of Queensland’s CTP Insurers.<\/p>\n

There are only 4 licensed CTP insurers in Queensland <\/a>:<\/p>\n