All vehicles registered in Queensland carry a policy of insurance to cover compensation. This is called “third-party insurance” or “CTP insurance”.

The companies in Queensland that insure vehicles against such claims include Allianz, RACQ, QBE and Suncorp.

Someone who is injured in a motor vehicle accident as a result of negligence may be able to claim damages (to the extent of their injury) from the third-party insurer of the person at fault.

Third-party insurance doesn’t cover property damage to a vehicle (i.e. smash repairs). It only provides coverage for personal injury.

Motor vehicles are covered by policies of CTP insurance in all Australian states and territories. If an accident occurs in another state, the laws and procedures of that state’s motor accident compensation scheme will usually apply.

If the vehicle at fault was unregistered, CTP cover does not apply unless the accident happened on a road or in a public place. Public places include locations like some beaches on which vehicles can be driven.

Sometimes “fault” (or negligence) is attributed to more than one person. For example, it may be distributed between two drivers or a driver and a pedestrian.

If at-fault is attributed in some way to the person injured, this is referred to as “contributory negligence”. These cases may still be covered by CTP insurance.

Other Types of Vehicles

There are certain types of vehicles in Queensland that are not covered by CTP insurance unless the accident happens on a road.

These vehicles include backhoes, bulldozers, front-end loaders, forklifts, cranes, agricultural equipment and amphibious vehicles.

For injuries caused by trailers, special rules apply. In some cases, the CTP insurer is the towing vehicle.

Accidents with work vehicles may require assistance from our workers compensation lawyers. Call our Car Accident Lawyers and we help you today.

It all depends on the proportion of liability attributable to the at-fault driver, the extent of your injury and the quality of your evidence.

Someone whose injury has had a significant effect on their quality of life (work, psychological, physical) is entitled to greater compensation than someone whose injury has had a minor impact on their lives.

General Damages

General damages were intended to compensate you for the pain and suffering you have endured and will endure in the future as a result of your injuries, as well as any permanent disability you’re likely to suffer.

General damages awarded in Queensland have been set at artificially low sums and can be quite trivial in comparison to other States. The most serious injuries such as quadriplegia are awarded around $150,000 and some reasonably serious back injuries are restricted to just $10,000.

Special Damages

These include:

• Expenses paid or incurred by you, including medical and pharmaceutical.
• Expenses paid by others. Some of these amounts are required to be collected from the at-fault party and paid back to Medicare, Comcare, WorkCover, DVA, public hospitals and private health funds.

Past Income Loss

You are entitled to claim for any income you have lost as a result of the incident. If you weren’t currently working and the injuries prevented you from looking for work or caused you to turn down job opportunities, you may also be able to claim for those situations.

Future Income Loss

You are entitled to be compensated for any future economic loss you may incur as a consequence of your injuries. If your injuries have resulted in some permanent disability – even to a small extent – you may be at risk of loss of wages in the future. People who continue to work full-time can still recover future income loss on the basis they are at risk on the labour market when compared to able-bodied job applicants.

Domestic Assistance (paid and unpaid)

Domestic assistance you receive from friends, family members or care professionals following an accident is compensable in many cases – even if you don’t pay for it. It’s important to keep detailed records of any assistance you get from other people if you intend to claim domestic assistance.

For more information on how much compensation you will receive, contact our Car Accident Lawyers and we help you today.

To assist your lawyer with the investigation, it is important to try to do the following:

• Make notes of your recollection of all events relevant to the accident
• Record names and addresses of witnesses
• Take photos and video of the place where you were injured. “A picture tells a thousand words”. Sketches are also helpful
• Take photos and video of any product, equipment or object that injured you
• Take photos of your injuries
• Keep any defective product which caused an injury
• Keep details of your absences from work caused by the injury
• Make a list of visits to doctors, physiotherapists, chiropractors etc for treatment and follow-up visits
• Keep all invoices and receipts for medical, chemist etc expenses
• Record details of assistance provided by friends and family members
• Collect contractual records.
• Collect documents showing your loss of earnings and earning capacity including wage slips, group certificates, income tax returns (for 6 years prior to the accident and each year after), references and resumes

If you’re unsure what evidence you need, contact our Car Accident Lawyers.

Whether your claim is worthwhile depends on the seriousness of your injury and how that affects your employment and lifestyle.

There are some claims that are not worthwhile such as those for trivial injuries, where there is no insurer or the party at fault does not demonstrate significant assets against which a judgment can be enforced.

If you are not sure if your compensation claim is worthwhile please contact us and we will help assess your needs and eligibility for our no-win no-fee service.

Carter Capner Law helps children and adults with severe brain and spinal injuries create comprehensive loss statements with individualised damages components for multi-million dollar claims.

Personal injury settlements usually settle vehicle accident claims before court. If your claim goes to trial, you may only need to attend if your presence determines the outcome.

In some cases eg interim applications for payment of rehabilitation expenses, your car accident lawyers may be able to attend on your behalf.

All vehicle accident claims have strict deadlines. The insurer of the at-fault party must receive a Notice of Accident Claim (NOAC) within one month of your initial appointment with your lawyer, which usually includes your first phone contact:

• In the case of an unidentified vehicle being at fault – within 3 months of the date of accident- see below;

OR

• For any other identified vehicles, within 9 months of the date of accident.

If you fail to lodge your claim on time, you may still qualify for compensation. There is provision for extending these time limits if you’re able to provide a reasonable excuse when submitting your NOAC which our car accident lawyers can help with.

As well as the 3-month and 9-month time limits, most claims have an absolute cut-off of 3 years from the date of the accident.

Different time limits may apply to children and persons under a legal incapacity (e.g. unsound mind). If you’re unsure whether you are within the time limit to make a claim, get in touch with our Car Accident Lawyers today and we can assist you.

Yes but there are special procedures and time limits that apply to unregistered and unidentified at-fault vehicles.

Claims of this type are brought against the default insurer that goes under the name Nominal Defendant.

The time limit for giving a Notice of Accident Claim to the Nominal Defendant for an unidentified vehicle e.g. in a hit-and-run, is three months. This can be extended up to 9 months if there is a reasonable excuse for the delay but cannot be extended at all after that time.

In the case of unregistered at fault vehicles, the Notice of Claim must be given at least within 9 months of the accident date but if there is a reasonable excuse for the delay, this can be extended.

In all cases (except for children), proceedings must be started in court within three years of the accident date. Limitation period for children is up until the 21st birthday.

For claims relating to unidentified vehicles, there must be reasonable attempts made to ascertain its identity e.g. a report to the police, taking down names and contact details for eyewitnesses and taking down vehicle registration numbers if possible.

Your unidentified vehicle car accident lawyers will be able to help.

After you file the CTP claim, the insurer will determine fault. It depends on the circumstance, but finalising a claim too quickly may be harmful since you may not be able to analyse all your damages.

Also, some claims may take a little longer for several reasons:

• Your injuries are too early to determine, a stabilisation period may be in effect.
• There may be instances where there are difficulties in negotiations between the insurer and our car accident lawyers.
• There are delays in the court process.

Every claim is unique and can have its own difficulties and complexities. We ensure you get the best outcome and receive the compensation to which you’re entitled in accordance with the law. Give our Car Accident Lawyers a call today.

CTP compensation may be denied if the car accident was your fault or no one was at blame. Superannuation and income protection insurance can often be claimed.

If you are seriously injured due to a car accident and it occurred after 1st July 2016, you may also be able to access support, care and treatment through the National Injury Insurance Scheme Queensland. For more information on whether you are still able to claim for compensation if you were ‘at fault’ email or call our expert Car Accident Lawyers.

If you are a passenger of a motor vehicle accident and you sustained any injuries, please speak to car accident lawyers and see if you have a case. In most cases, you will have a good claim for the injuries sustained.

Call or email today to get expert advice from the car accident lawyers injury experts at Carter Capner Law.

Many people experience whiplash or soft tissue injuries from rear-end collisions and many other car accidents. Whiplash injuries could be significant and the cost of rehabilitation and physio can be costly.

We are here to help our clients recover all losses and damages that result from car accidents across Queensland.

Call or email today to get expert advice from the car accident lawyers injury experts at Carter Capner Law.

If your motor vehicle was damaged or written off, we can help you recover the cost of the repairs or replacement value of the vehicle from the comprehensive insurer of the at-fault-vehicle.

The insurer must compensate you for the loss of any special attributes of your damaged vehicle, something very important to collectors or if the vehicle has been specially modified, painted or fitted.

It also must pay the market rate hire charges for a replacement vehicle of a similar standard for the entire period your car is off the road.

We help you recover the these losses.

Get expert advice from the car accident lawyers experts at Carter Capner Law.