If you are a driver to whom the CTP insurer offers tens of thousands of dollars less that your fair entitlement, you need an experienced CTP claims lawyer to mount a challenge that will convince it to pay proper compensation.
A driver injured in a motor vehicle accident has two main reasons to seek legal advice: to confirm liability and to ensure that their financial and other losses are accurately calculated when the damages claim is formulated. Contact an expert as quickly as possible after the accident to get the right advice. If an insurance representative gets to you first, your rights are at risk.
It's vital to remember that CTP insurers have their own interests at heart and are skilled at painting a picture of the accident and your injuries that minimises their financial exposure. The insurer's job is to hold you to blame or partly at blame or to minimise - either by disputing culpability or by downplaying the extent of your injury and symptoms. If you don't have a CTP lawyer on your side, you may not receive the full compensation to which you're entitled.
Our CTP Claims Lawyers make certain that the claims they file on behalf of vehicle drivers cover lost wages, pain and suffering, loss of enjoyment of life, loss of future earning potential, paid and unpaid care, expenses, and all other financial losses that may apply.
Any queries concerning the claims procedure can be answered by a member of our experienced staff at our Brisbane Head Office (near to major courts, insurers, medical experts and safety consultants); our Princess Alexandra Hospital office or our Browns Plains Medical Precinct office.
To speak with a member of the CTP Claims Lawyers team, call or email today.
In addition, your superannuation fund membership may cover a TPD payout. Call our CTP Claims Lawyers today to learn more about your legal options.
In Queensland, motor vehicles are required to have compulsory third party insurance (CTP). Your CTP Claims Lawyer will initiate your claim with your insurer or the at-fault party’s motor vehicle insurer.
At the initial consultation, your CTP Claims Lawyers will get more details on your situation and then investigate insurance coverage. Our CTP Claims Lawyers also explain our client and 'No Win No Fee agreement'.
The CTP Claims Lawyers will meticulously examine all the contributing factors to determine the cause of your accident while you recover from your injuries.
After that, we’ll brief medical specialists to examine you and provide expert evidence reports. From those reports, Your CTP Claims Lawyers will assess the fair compensation that the insurer must pay for how the injury has impacted you and your family at work and at home.
Our CTP Claims Lawyers will also formulate your damages demand and appoint an out of court meeting to negotiate the resolution of your claim settlement.
Statistically, more than 97% of compensation claims are settled out of court. In many cases, the claim is resolved successfully during the informal settlement meeting, and you will receive compensation to which you are entitled.
In rare cases, if your claim has not been resolved at this stage, Our CTP Claims Lawyers will file proceedings in court to get you the compensation to which you are entitled according to law.
If you simply accept the insurer’s decision, you may never know what you’ve missed out on. If any of your injuries have been overlooked or not assessed properly, your classification could be wrong, costing you many thousands of dollars.
We ensure that the claims they file on behalf of vehicle accident victims cover all injuries sustained both physical and psychological.
We will engage leading medical specialists with forensic experts to support the extent of loss claimed for each injury that is part of your claim.
We will examine all the contributing factors to determine the cause of your accident and identify all potentially liable parties.
Your CTP Claims Lawyer will if required, bring in accident investigation experts to examine the scene and accident data to support your case.
Your CTP Claims Lawyers will ensure that they formulate the damages sum claimed based on all injuries sustained both physical and psychological.
The formulation will include lost wages, pain and suffering, loss of enjoyment of life, the full loss of future income earning potential, paid and unpaid care, expenditure and all other monetary losses that may apply for how the injury has impacted you and your family at work and at home.
At CTP Claims Lawyers, all our expert compensation lawyers specialise in compensation with an average of 20 years experience in the field. Your claim will have an experienced lawyer at the helm, not a junior/graduate lawyer.
We thrive on the great results we are able to get for our many CTP clients.
No-Win No-Fee - sometimes called "no-win, no-charge" and "no-win no-pay," allows legal representation to a level equivalent to that of the insurance company that will be opposing your payout.
No-Win No-Fee terms provide that fees and case expenses are only payable when the claim is finalised and only if it is successful.
If you were not at fault for the accident, you would most likely be able to submit a claim without risk. Only a lawyer, after evaluating your case, may make this decision.
If you qualify, you'll be given a free, no-obligation consultation to go over your options in greater depth. Your lawyer will be able to tell you how likely your case is to succeed and what results from you can expect.
CTP Claims Lawyers work on a no-win, no-fee basis. You will not be left out of money if your compensation claim is denied for any reason. Our guarantee indicates that you will not be responsible for any legal fees if you lose your case.
If you win your CTP claim, you will receive your entire payout, with the exception of your lawyer's legal fees, which you will have initially agreed upon.
When your final payment is received, your lawyer's fees will be deducted.
It's reassuring to know that the losing party's or third-party insurance usually covers a major percentage of your legal expenses.
It usually takes 12 to 18 months to settle a CTP claim after you file it, but it can take up to three years.
CTP insurers are expected to determine whether the car they insured was ‘at-fault' for the accident within six months of the claim being filed, but it may take much longer, especially if your injuries are severe or there is a dispute over who was at fault.
If you file a claim with a CTP insurer, you have nine months from the date of the accident or the first appearance of symptoms of your injury.
You only have three months to file a claim with the Nominal Defendant if the ‘at fault' vehicle was unnamed or unregistered.
Contact details for all drivers involved in the accident as well as those of eye-witnesses and passengers are needed. And details of all vehicles and their registration are must.
Make sure you know the accident's date, time, and its precise location. You also need a description of how it occurred, know what you were doing eg waiting to turn, at the moment of contact. Photographs of the scene are not mandatory but can be very useful in many cases.
Go to a doctor within the first few days after the accident. The doctor may not be able to do any more than recommend rest and pain killers, but each visit helps create a record that will be useful later.
Make sure your report to the doctor even ordinary things like headaches, dizziness, nausea, stiffness and pain. You should return to the doctor regularly even if there is no real assistance that he or she can provide. It is also important to report any emotional or psychological injuries as a result of the accident.
Details of your work history as far back as six years is needed. Compensation for loss of earning capacity in the future is often dependent on the consistency of a person's pre-accident employment history.
The date on which you last worked on the date when you expect to be able to return to work are also needed.
Details of your medical history, prior injuries and any pre-existing medical illnesses as far as you can remember except for trivial things like flu and colds – are required.
Details of your previous injury compensation, workers compensation, income protection and Centrelink claims are required to be disclosed including the result of the claim and the identity of any insurance company that paid any compensation to you.
If you are self-employed you will need to provide particulars of your business's revenue and expenses together with contact details for your accountant so the CTP insurer can verify same.
CTP Claims Lawyers' No-Win No-Fee terms affords fairness to those seeking compensation for personal injury including loss of income and future loss of income earning capacity. No-Win No-Fee - sometimes called "no-win, no-charge" and "no-win no-pay," allows legal representation to a level equivalent to that of the insurance company that will be resisting your payout. Essentially No-Win No-Fee terms provide that fees and case expenses are only payable when the claim is finalised and only if it is successful.
Complete & submit the enquiry sheet and we'll get back to you as soon as possible, or call us Monday through Friday between 8:30 a.m. and 5:00 p.m. - we'd be happy to chat with you.