Compulsory Third Party (CTP) Insurance Claims
Helping Queenslanders Secure Fair Compensation & Guiding Your Road to Recovery
What is CTP Insurance?
In Queensland, Compulsory Third Party (CTP) insurance is a mandatory insurance scheme that provides compensation to people injured in road-related accidents. Every registered vehicle in Queensland must have CTP insurance — it is required by law.
CTP insurance is designed to cover the cost of injuries caused by motor vehicle accidents, including medical expenses, rehabilitation, and support services needed for your recovery. It ensures that injured road users are not left to bear the financial burden of their injuries alone.
CTP insurance applies not just to drivers, but also to passengers, pedestrians, cyclists, motorcyclists, and other road users who are injured due to someone else’s driving.
If you’ve been injured on the road, speaking with an experienced CTP insurance claim lawyer can help ensure you understand your entitlements and lodge your claim correctly.
The Support You Need
We believe everyone should have access to quality legal help, regardless of finances. That’s why we offer a No Win, No Fee arrangement: you won’t pay our legal fees unless we secure compensation on your behalf.
Am I Eligible to Make
a CTP Insurance
Claim in Queensland?
To qualify, you generally need to show that another person was wholly or partly at fault for the crash. In all cases, a CTP insurance lawyer can help assess your eligibility and guide you through the claims process.
Strict time limits apply to CTP insurance claims in Queensland, so it’s important to get legal advice as soon as possible. Delaying your claim could impact your eligibility or reduce your chances of receiving fair compensation.
The scheme is not limited to motorists and can also apply to:
- Passengers in vehicles, including those travelling in a vehicle that was at fault
- Pedestrians injured after being struck by a car, motorcycle, or other vehicle
- Cyclists and Scooter Riders involved in collisions with motor vehicles
- Motorcyclists and Truck Drivers injured due to someone else’s negligence
- Public Transport Users, depending on the nature of the incident
Common CTP Claims We Handle
At AX Compensation Lawyers, our experienced CTP insurance claims lawyers assist Queenslanders injured in a wide range of road accidents. Whether you were driving, walking, cycling, or travelling as a passenger, we’re here to provide clear advice and help you secure fair compensation. We commonly assist with:
Car
Accidents
Pedestrian
Accidents
Public Transport
Accidents
Cycling
Accidents
Motorcycle
Accidents
Truck
Accidents
How AX Compensation Lawyers Can Help
At AX Compensation Lawyers, we understand that being injured in a road accident can be overwhelming. Our goal is to make the CTP claims process as straightforward as possible, allowing you to focus on your recovery while we handle the legal complexities. Our team specialises in CTP insurance claims, offering the guidance and support you need at every stage.
Obligation Free Consultation
We offer a free, no-obligation consultation to assess your road accident and explain your legal options under the CTP scheme. During this initial discussion, we’ll review your circumstances and help you understand whether you have a valid CTP insurance claim.
We operate on a No Win, No Fee basis — meaning you won’t need to pay our legal fees unless your claim is successful. We also cover upfront disbursements, such as the costs of obtaining medical reports and expert assessments, so you can proceed without financial strain.
Lodging the CTP Claim
Once we confirm you’re eligible, we handle the entire CTP claim lodgement process on your behalf. This includes:
- Preparing and submitting required legal documentation.
- Notifying the relevant CTP insurer.
- Ensuring all deadlines are met under Queensland law.
Our experienced CTP insurance lawyers ensure your claim is lodged correctly and on time, so you don’t have to worry about missed steps or technical errors.
Gathering Evidence
Building a strong CTP insurance claim requires the right supporting evidence. While some documents may need to come from you, we assist in securing additional materials such as:
- Police reports and witness statements.
- Medical records confirming your injuries.
- Traffic incident documentation and relevant expert opinions.
We’ll guide you through the submission process, ensuring your claim is well-supported and compliant.
Medical Assessments
If needed, we’ll organise independent medical assessments to support your claim. These reports are used to evaluate:
- The extent and severity of your injuries.
- How your injuries affect your everyday life and capacity to work.
- Your medical treatment needs, both now and into the future.
Negotiation & Settlement
Most CTP insurance claims are resolved without going to court. Our team negotiates directly with CTP insurers to secure a fair settlement that reflects your injuries, financial losses, and future needs. If a fair outcome cannot be reached, we are fully prepared to represent you in court.
Check If You Qualify
Not sure if you qualify for compensation? Our free claim check offers a quick, no-obligation assessment—whether it’s a workplace injury (WorkCover), a motor vehicle incident (CTP), or a TPD claim. We’ll explain your options and guide you on the next steps—no strings attached.
Choose Your Consultations
We understand that after an injury, it’s not always easy — or even possible — to attend a legal consultation in person. That’s why we offer flexible options to ensure you can get the support you need in a way that suits your circumstances. Whether you’re recovering at home or prefer to speak remotely, we’re here to help you take the next step
At Our Office
Video Conferencing
Home Visit
Our Promise to Queenslanders
Helping Queenslanders Secure Fair Compensation is more than a slogan—it’s our guiding principle. We believe everyone deserves high-quality legal support, regardless of their situation. Whether you’ve experienced a workplace injury (WorkCover), a motor vehicle accident (CTP claim), TPD-related issues, or another personal injury, our team will walk you through the legal process so you understand your rights and options at every turn.
We Keep It Straightforward
The legal system can feel overwhelming, but it doesn’t have to be. We break down each phase of your claim into clear, practical advice tailored to you, ensuring you’re never left in the dark.
Committed to Your Future
Every claim is unique, and we focus on securing the best possible outcome for your individual needs. If obstacles arise, we stay the course and explore every viable pathway until we’ve done all we can for you.
Fair Compensation at the Heart of What We Do
We don’t promise quick wins or exaggerated outcomes — we focus on what truly matters: securing the compensation you’re entitled to under Queensland law. Every case we take on is handled with care and respect, because we know that behind every claim is a person rebuilding their life. Our role is to guide you through the process, advocate for your rights, and work toward a fair and sustainable outcome — no more, no less.
Accessible and Flexible Services
We believe in making legal assistance convenient and inclusive. You can choose an in-office consultation, schedule a video conference, or request a home visit—whichever suits you best. We offer No Win, No Fee on all personal injury claims, so you won’t pay our legal fees unless your claim is successful, giving you confidence and peace of mind.
Frequently Asked Questions About Compulsory Third Party (CTP) Insurance Claims
Who Can Make a CTP (Compulsory Third Party) Insurance Claim?
If you’ve been injured in a motor vehicle accident in Queensland and were not entirely at fault — or were only partially at fault — you may be eligible to make a CTP insurance claim. This applies to a wide range of road users, including:
- Drivers of cars or motorcycles
- Passengers in any vehicle, including the at-fault vehicle
- Cyclists and pedestrians struck by a vehicle
- Public transport users
- Truck Drivers
Strict time limits apply to CTP claims, so it’s important to seek legal advice as early as possible. An experienced CTP insurance lawyer can help determine your eligibility and ensure the claim process starts within the required timeframe.
How Long Do I Have to Make a Car Accident or CTP Insurance Claim in Queensland?
In Queensland, you generally must commence a CTP insurance claim within 9 months of the accident date, or within 1 month of consulting a lawyer about your injuries — whichever comes first.
If you miss these initial deadlines, you must provide a reasonable explanation for the delay. However, if your claim is not commenced within 3 years, it will usually be barred by law.
Because of these strict time limits, it’s essential to seek advice from a CTP insurance lawyer as early as possible to protect your rights.
Will A CTP Insurer Cover My Medical Bills?
Once a CTP insurer accepts liability for the accident, they are obligated to cover “reasonable and appropriate” medical and rehabilitation expenses related to your injuries. This includes costs for hospital care, surgeries, medications, and ongoing rehabilitation.
Can I Make a CTP Claim if the Vehicle Was Unregistered, Uninsured, or Fled the Scene?
Yes — you may still be able to make a CTP insurance claim even if the vehicle that caused the accident was unregistered, uninsured, or unidentified (such as in a hit-and-run).
In these cases, you can pursue compensation through the Nominal Defendant — a statutory body established to act as the insurer for accidents involving vehicles that are unidentified or not covered by Compulsory Third Party (CTP) insurance.
Strict time limits apply under the Nominal Defendant scheme, so it’s essential to seek legal advice promptly. An experienced CTP insurance lawyer can help you understand your entitlements and guide you through the claims process efficiently.
Do I Need a Lawyer to Make a CTP Insurance Claim?
While it is possible to lodge a CTP insurance claim without a lawyer, the process can be complex — especially when it comes to negotiating with insurers or assessing long-term impacts of your injuries. An experienced CTP insurance lawyer can ensure your claim is accurately prepared, that deadlines are met, and that you receive the full compensation you’re entitled to under Queensland law.
How Long Does a CTP Insurance Claim Take to Settle?
The time it takes to settle a CTP insurance claim in Queensland can vary significantly depending on the complexity of the case and the severity of your injuries.
Some straightforward claims may resolve within 12 months, while more serious or long-term injury cases may take 2 to 3 years to finalise — especially if ongoing medical treatment or assessments are required.
At AX Compensation Lawyers, our experienced CTP insurance lawyers will keep you updated throughout the process and work to ensure your claim progresses as efficiently as possible, without compromising your entitlements.
Ready to Discuss Your Claim?
At AX Compensation Lawyers, we provide compassionate support and expert legal representation to individuals injured in accidents across Queensland. Our dedicated team is committed to helping clients navigate the personal injury claims process with confidence and peace of mind.
