If you have been injured in a motor accident you may be able to make a claim for compensation under the Motor Accident Insurance Act 1994 (Qld) (the MAIA). However, this will only be the case if you are able to prove that you were not solely at fault in causing the accident.
It doesn’t matter if the person responsible for the accident can’t afford to pay compensation as the claim is actually made against their Compulsory Third Party (CTP) insurer. If they are uninsured or can’t be identified, the claim will instead be brought against the Nominal Defendant (a statutory body established under the MAIA to ensure injured parties in these circumstances can still claim compensation).
There are a number of “losses” that you may be able to claim compensation for. These include:
Some CTP insurers may provide limited cover for at-fault parties in the event of serious injury or death – this will depend on the terms of your policy.
The amount of compensation that can be awarded is governed by the Civil Liability Act 2003 (Qld). Ideally, you will agree compensation with the CTP insurer or Nominal Defendant. If you’re not able to do so, you’ll have to go to court and have a judge decide how much you’re entitled to.
If the accident occurred while you were travelling to or from work, or in the course of your employment, you may also be entitled to a workers’ compensation claim under the Workers' Compensation and Rehabilitation Act 2003 (Qld).
It’s important to get advice for your specific situation. Check if you can make a risk-free compensation claim and get free initial advice from our Principal lawyer, Greg Smith.
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Find out your legal rights if you have been injured in a car accident in Queensland. Plain English advice from our experts.