If you suffer an injury in a motor vehicle accident due to the fault (total or partial) of the other party you may make a CTP claim for compensation against the insurer of the at fault party. The at fault party in most cases is the driver and owner of the other vehicle.
CTP stands for Compulsory Third Party. Every vehicle in Queensland is required to have CTP insurance and this is a condition of the registration of the vehicle.
You may suffer injury as a driver, passenger, cyclist, motorcyclist, pillion passenger or pedestrian. If so you can pursue a claim against the CTP insurer of the at fault vehicle. Even if you are partially responsible for the accident you can still seek recourse against the insurer but your damages (compensation) will be reduced.
If the vehicle which caused the accident is not insured or cannot be identified, you may still be able to make a claim. Such claims are lodged with the Nominal Defendant (a statutory body) which is taken to be a licensed insurer for the purpose of insuring injured people so they still have a legal entity to pursue for compensation.
Depending on the severity of your injury you could claim the costs involved with medical treatment, rehabilitation, lost income, care and support services and your pain and suffering. No one claim is the same as any other and must be assessed individually.
There are very strict time limits for lodging claims against the CTP insurer or the Nominal Defendant and we strongly advise you contact us at the earliest opportunity after you have suffered injury. If the injured person is under 18 years of age different time limits apply.