CTP Insurance Claim Lawyers

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CTP insurance is essential for anyone involved in a road accident, as it helps cover the costs of injuries sustained. At Rin Kim Law, we specialise in handling these complex claims with expertise and dedication.

Our team of personal injury lawyers are well-versed in the intricacies of CTP claims, ensuring that you receive the compensation you're entitled to. Whether you're a vehicle driver, passenger, cyclist, or pedestrian affected by a road incident, we’re here to support you every step of the way. 

Let us guide you through the process with our professional, caring approach, ensuring your rights are protected and your claim is handled efficiently.

Eligibility for Making a CTP Claim

In Queensland, the eligibility criteria for making a Compulsory Third Party (CTP) insurance claim are as follows:

Step 1

Your Involvement in a Motor Vehicle Crash:
You or your family members can make a CTP claim if you were injured in a motor vehicle crash in Queensland, and the accident was completely or partially the fault of another vehicle owner or driver. Even if you were partially at fault, you could still make a claim, although the compensation might be reduced​​.

Step 2

Unidentified or Uninsured Vehicles:
If the vehicle that caused the crash cannot be identified, or if it was not registered or insured, you are still eligible to make a claim. In such cases, the claim should be lodged against the 'Nominal Defendant', who acts as the CTP insurer for vehicles that are uninsured or unidentified​​.

Step 3

Exceptions:
There are situations where an injured person cannot claim compensation. This includes cases where the injured person was entirely at fault or when no one was at fault. In such scenarios, individuals might need to rely on other forms of support like sick leave, Centrelink benefits, Medicare, or other insurance policies​​.

Step 4

National Injury Insurance Scheme Queensland (NIISQ):
Queensland's CTP insurance scheme is complemented by NIISQ, established on 1 July 2016. This scheme provides necessary and reasonable lifetime treatment, care, and support to people who sustain serious personal injuries in motor vehicle accidents on Queensland roads, regardless of fault​​.

Claims in Case of Fatal Injuries:
If you are a relative or dependent of a person who was fatally injured in a motor vehicle crash, and the crash was wholly or partly the fault of another person, you can make a CTP insurance claim for loss or expenses​.​​.

For more detailed information and guidance, you can visit the official website of the Motor Accident Insurance Commission (MAIC) of Queensland.

CTP Claim Process

At Rin Kim Law, we specialise in assisting clients with Compulsory Third Party (CTP) insurance claims, including those involving pedestrian accidents. Understanding and navigating the time limits and procedural requirements for these claims is crucial.

In Queensland, strict time limits apply when making a personal injury claim against the CTP insurance of the negligent driver. This is applicable whether you are a driver, passenger, pedestrian, or other road users involved in an accident:

  1. 3-Year Time Limit for Compensation: Generally, you have three years from the date of the accident to initiate court proceedings. Failure to comply within this timeframe could result in losing the right to claim.

  2. Pre-Court Notification: Before issuing court proceedings, you must comply with pre-court notification and other procedures as outlined in the Motor Accident Insurance Act 1994.

  3. Special Circumstances: In certain situations, such as if you were under 18 at the time of the accident or living with a disability, you may still be able to claim compensation after three years.

  4. CTP Claim Time Limits: A CTP claim must be initiated within nine months of the incident or within one month of consulting a lawyer, whichever comes first.

  5. Notice of Accident Claim Form: This form should be given to the CTP insurer of the at-fault vehicle within the specified time limits. In cases involving an unregistered or unidentified vehicle, the notice must be given to the Nominal Defendant within three months.

  6. Importance of Legal Advice: The complexities of CTP claims make it vital to seek legal advice to ensure compliance with all requirements and maximise your entitlements.

No Win, No Fee

No Upfront Costs

You don't have to pay any fees when you start your claim with us.

Pay Only If You Win

Our fees only apply if we successfully get compensation for you. If we don't win, you don't pay our legal fees.

Transparent Process

We'll explain all the details about how our fees work, so there are no surprises.


Our goal is to make sure you can focus on your recovery without worrying about legal costs. If you have any questions about our "No Win, No Fee" policy, just reach out to us.

Compensation and Benefits Under CTP Insurance

When you make a CTP claim, you might be wondering what kind of help you can get. Here's a list of the types of compensation and benefits that may be available to you:

  1. Medical Expenses: This covers costs for treatment you need because of your accident, like doctor visits, surgery, or physical therapy.

  2. Loss of Income: If you couldn't work because of your injuries, you may get money to cover the income you lost.

  3. Pain and Suffering: You can get compensation for the pain and hardship caused by your injuries.

  4. Rehabilitation Costs: If you need help getting back to your daily life, this can cover expenses for rehabilitation.

  5. Ongoing Care Expenses: If your injury needs long-term care, this can help cover those costs.

  6. Funeral Costs: In the unfortunate event of a death, CTP insurance may cover funeral expenses.

We're here to help you understand your entitlements and navigate the claim process effectively.

Meet Our Legal Team

FAQs about CTP claim lawyers

  • CTP (Compulsory Third Party) insurance claims involve seeking compensation for injuries sustained in a road accident. This insurance covers various costs related to the injury.

  • Eligibility extends to drivers, passengers, pedestrians, cyclists, and scooter riders involved in a road accident. The specific rules can vary by state.

  • Begin by reporting the accident to the police, then contact your insurance company. Next, fill out and submit the necessary claim forms. We will assist you with these steps.

  • Compensation may include medical expenses, loss of income, pain and suffering, rehabilitation costs, ongoing care expenses, and, in unfortunate cases, funeral costs.

  • The duration varies depending on the complexity of the case, the extent of injuries, and the specific insurance scheme. We provide a more detailed timeline based on your case.

  • This means you will not be charged legal fees if your claim is unsuccessful. Fees apply only if you receive compensation.

  • Yes, CTP insurance covers you even if you were at fault, though the specifics can vary depending on the state's legislation.

  • Contact us for a review of your case. Our experienced lawyers can help reassess your claim and advise on the next steps.

  • Call our team 0731881737 or visit our office at Level 14/15 Adelaide St, Brisbane City, QLD, 4000.

If you have recently been injured in an accident on the road in the state of Queensland, you must lodge a CTP claim against the At-Fault driver’s insurer as soon as possible as there are strict time limits that apply.

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Call 0404 871 986

It is recommended that you seek legal advice before proceeding any further with your claim.

Give us a call today on 07 3188 1737/ submit your enquiry on our website for your no win, no fee initial consultation as strict time limits apply when it comes to lodging your accident claim.