1. What is CTP insurance, and why does it matter?
In Queensland, every registered vehicle comes with Compulsory Third Party (CTP) insurance. If someone is injured in an accident due to someone else’s fault, it's the at-fault vehicle’s CTP insurer—not the person—that pays for compensation. So even if your friend or family was driving, their insurer takes care of your claim, not them personally .
But what happens if the at-fault driver is unidentified or uninsured? Enter the Nominal Defendant—a government fund that steps in to cover your claim. So, no matter the scenario, you shouldn’t have to go without support.

2. Who can claim CTP compensation?
CTP claims aren't just for drivers. Passengers, cyclists, motorcyclists, bus and train riders—and even pedestrians—may be entitled to compensation if another road user was at fault. Common crash scenarios these days include rideshare accidents. Carter Capner Law, for example, represents clients injured while using Uber, Ola or DiDi—whether they were riders or drivers—by carefully examining control and legal liability.

3. What can you claim for—and what counts as evidence?
CTP isn’t just about medical bills. Compensation can include:

• Special damages: actual costs you’ve paid, like medical and pharmaceutical bills—plus any reimbursements to Medicare, health funds, etc..
• Past income loss: wages you’ve already missed, or opportunities you couldn’t pursue.
• Future income loss: if your injuries affect your future earnings, you may claim ongoing losses.
• Domestic assistance: help from family or caregivers—even the unpaid kind—counts if properly documented .
• General damages: non-economic impacts like pain, suffering and loss of enjoyment of life; note, awards in Queensland are conservative due to legislative caps.

Evidence checklist
To support your claim:
• Write down everything you remember about the accident.
• Collect witness details.
• Take photos/videos of the scene, vehicles, your injuries, or faulty equipment.
• Keep receipts/invoices—medical, travel, treatments.
• Record every doctor, physio, chiropractor visit.
• Track help and assistance provided by others.
• Hold on to employment records, wage slips, tax returns.
• Preserve any damaged products or parts involved .
Bringing this evidence together makes your case stronger, smoother—and often faster.

4. The CTP claim process in Queensland
• Get medical attention immediately. Even seemingly minor injuries should be documented.
• Notify the insurer or MAIC promptly. MAIC oversees Queensland’s CTP claims; quick lodgment (usually within 28–90 days) is essential.
• Gather medical and financial evidence.
• Work with a lawyer who will negotiate with the insurer or Nominal Defendant on your behalf.
• Accept settlement or take the claim to court—your lawyer will guide you.

5. Do I need a lawyer?
Yes—especially if you're facing any of these:
• A disputed claim (who’s at fault).
• Complex or serious injuries.
• Long-term loss or disability.
• Dealing with non-performing CTP insurers.

At Carter Capner Law’s CTP Claims Lawyers team, for instance, every case is rigorously assessed by experienced solicitors and specialists—led by legal director Peter Carter—to ensure no aspect is missed. And they work on a No Win, No Fee basis, so if your case doesn’t succeed, you don’t pay .

Even better: more than 93% of their CTP and other road injury claims settle without needing court.

6. Watch out for insurer tricks
Insurers often push quick, low settlements—before you've seen specialists or fully understood your injuries. Carter Capner Law is even running a class action over this practice, alleging insurers like Suncorp are short‑changing victims with “anti‑consumer practices”.

If you’ve settled with an insurer already, you may still have recourse—especially if you received less than you were entitled to .

7. Time limits in Queensland
Timing matters. While deadlines can vary:
• Statutory benefits should be claimed within 9 months of noticing an injury—or as soon as you speak to a lawyer .
• Final settlement claims are generally due within three years of the accident .
Waiting too long could mean missing out altogether—so early action is key.

8. Why choose a Brisbane road injury lawyer?
Let’s talk benefits:
• Local expertise: Brisbane-based lawyers know CTP rules, court culture and insurers in Queensland inside out.
• Full-service support: From gathering evidence to negotiating compensation, your lawyer handles every step.
• Risk reduction: "No Win, No Fee" keeps you safe financially, while lawyers handle disputes and tough negotiations.
• Compassion and clarity: Good solicitors act as a guide and advocate, explaining legal terms in plain language.
Carter Capner Law’s CTP Claims Lawyers combine over 75 years of firm history and case experience with specialist legal focus, ensuring both technical skill and personal care .
Your Road from Chaos to Clarity
• CTP insurance ensures the at-fault driver’s insurer pays—not them personally.
• Anyone injured—driver, passenger, rider, pedestrian—can claim.
• Compensation includes medical costs, lost income, pain and suffering, and help at home.
• Evidence is essential. Photos, receipts, medical records, witness details: collect everything.
• Lawyers can help you navigate disputes, fight for full compensation, and avoid early pitfalls.
• Time is short. Don't delay in lodgment or seeking advice.
• There's solid protection with "No Win, No Fee" and most cases settle quickly.

If you or someone you care about has been hurt in a Brisbane road crash, don’t go it alone. A trusted local road injury lawyer—especially one experienced in CTP claims—can help you turn confusion into clarity, and stress into recovery. Reach out today: a brighter road ahead starts with the right guidance.