Motor Vehicle Accidents
If you are involved in a motor vehicle accident in Queensland, and your personal injuries were partially or wholly the fault of a driver who is insured under a Compulsory Third Party (“CTP”) insurance policy, then you are entitled to make a CTP claim. This includes pedestrians, other drivers, passengers, motor cyclists, cyclists, pillion passengers or any other person who was injured, whether they were inside the vehicle or not.
The Queensland common law ‘fault’ based CTP scheme provides motor vehicle accident victims with an unlimited liability insurance policy for personal injury caused by, through or in connection with the use of the insured motor vehicle in circumstances where the Motor Accident Insurance Act 1994 (MAI Act) applies. CTP indemnifies vehicle owners and drivers who are legally liable for personal injury to any other party in the event of a motor vehicle accident, and the injured party will be paid compensation by the private insurance provider that the vehicle owner or driver elected under the CTP scheme. If you were partially at fault for the motor vehicle accident, you may still be eligible to claim compensation, but the amount will likely be reduced to account for your contributory liability. You will not be able to claim for personal injury if you were entirely at fault for the motor vehicle accident which caused your injury. It is also important to note that CTP does not cover you for any property damage incurred, including to your vehicle.
Personal injury claims for motor vehicle accidents are not only available for very serious injuries, making a claim may also be an option for people who face lesser, but sill recognizable, injuries. If you walk away from a “minor” collision, you may not feel the need to take the matter any further than having the dints removed from your bumper, however, if you have sustained any degree of whiplash, this can have a significant impact on your day to day life. No matter how seemingly (in)significant your injury seems, make sure that you explore the validity of your motor vehicle accident personal injury claim as it could help provide you with much needed support should your injury continue to impact your life. If you wish to discuss your personal injury claim, please contact one of our personal injury lawyers to arrange your free initial consultation.
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