CTP stands for Compulsory Third Party insurance. It comes automatically with your vehicle registration (rego) in Queensland and is designed to help people injured in motor vehicle accidents get financial compensation.
CTP is like a safety net: In a nutshell, CTP covers the owner and driver of the vehicle for settlement payments for personal injury claims. That is, your CTP insurer will pay if someone else is injured in an accident that you caused in Queensland.
In Queensland, the relevant legislation does not provide any entitlement for the payment of automatic, no-fault benefits (like a Workcover accident). That means no compensation or expenses must be paid to injured road users unless they can prove the injury was caused by the negligence of another person.
Upon successful settlement of a CTP claim for damages for personal injuries, the CTP insurer’s payment to the injured person will cover:
If you're injured in a hit-and-run or by an unregistered vehicle, you are still entitled to make a CTP personal injury claim for compensation. The Nominal Defendant is a government-backed scheme that compensates people injured in these circumstances.
If you've been injured in an accident, getting legal advice as soon as possible is crucial. The rules around CTP insurance can be complex, and an experienced personal injury lawyer can ensure you understand your full entitlements and make a strong claim on your behalf.
Smith’s Lawyers are road and car accident injury claim experts and run all claims risk-free with no upfront costs.
Disclaimer: This information is designed for general information in relation to Queensland compensation law. It does not constitute legal advice. We strongly recommend you seek legal advice in regards to your specific situation. For help understanding your rights, please call 1800 960 482 or request a free case review to talk to one of our lawyers today.