What types of accidents are covered by CTP insurance?
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.