If you, or a family member, have been involved in an accident involving a car, motorbike, bus, train or tram – whether you’re a driver, rider, passenger or pedestrian – this post is for you.
As you’re likely in unfamiliar territory and unsure what to do next, we have brought together the information below to help you gain your bearings.
First and foremost, we want you (or your loved one) to be feeling well and on the way to recovery. Secondly, it’s important that you’re informed and have an idea of what you have the right to do from here.
Insurance and compensation
If you have been injured, you might be wondering about insurance and compensation.
It’s important to understand from the start that, in cases such as these, there is a relevant statutory body or insurer in your State responsible for most claims and compensation related to Compulsory Third Party (CTP) Insurance claims. The relevant state bodies and insurers are listed below:
- Victoria – Transport Accident Commission (TAC)
- New South Wales - State Insurance Regulatory Authority (SIRA)
- Queensland – Motor Accident Insurance Commission (MAIC)
- Canberra – Department of Treasury
- Adelaide – CTP Insurance Regulator
- Tasmania – Motor Accident Insurance Board (MAIB)
- Western Australia - Insurance Commission of Western Australia (ICWA)
- Northern Territory - Territory Insurance Office (TIO)
What does CTP cover?
CTP insurance covers a whole range of medical treatments, services, equipment, expenses and loss of earnings associated with or resulting from your accident. (It doesn’t cover damage to the vehicle itself or to your property.)
Here are few examples of what you may be able to claim under CTP insurance:
- Hospital room fees
- Surgery fees
- Rehabilitation costs
- Physiotherapy costs
- Crutches, bandages, replacement broken glasses, pillows, braces and splints
This is just a small selection and there are policies associated with everything that CTP insurance covers. Exactly what you may be entitled to and the process for claiming this compensation varies by State. It’s important that you get advice on this, as well as the many rules and laws surrounding road injuries, before making a motor vehicle accident claim.
When should I get advice?
The short answer is, the earlier the better. The quicker you can get assistance with this complex area of the law, the more comfortable you’ll be making any important decisions and claims.
Who should I listen to?
If you’ve only just been injured or you’re still recovering, you should absolutely listen to the medical professionals you’re in contact with. That’s the doctors, the nurses, the physios, the rehab staff… anyone who’s helping you return to your best after the accident.
Naturally, they may not be able to help you with some of the practical or financial questions you may have, such as:
- “Who’s going to pay for my medical treatment?”
- “When will they pay and are fees covered in the meantime?”
- “How will I make a living now that I’m injured?”
- “How much of my pre-injury earnings am I entitled to?”
- “Are there rules for how much my CTP insurance will compensate me for lost earnings per week?”
If you need help answering any of the questions above, you can speak with a legal professional – as we mentioned above regarding knowing when to get a lawyer after a car accident, the earlier the better – but any experienced car accident lawyer will tailor their advice to match your medical circumstances.
Providing the right advice and information to empower individuals to make the best and most relevant decision is one of the key roles of a motor vehicle accident lawyer.
This is what you should expect from the lawyer you contact after your transport-related accident.
We’re here to help. If you or somebody you love has been involved in a motor vehicle accident, simply get in touch online or call us on 1800 555 777.