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Queensland CTP Claims
QLD CTP Claim Eligibility Check
Receive compensation under the Queensland CTP scheme, when another driver was at fault.
If you've been hurt in a Queensland motor accident through someone else's fault, you can claim against the at-fault vehicle's CTP insurer. The MAIC regulates the scheme. Time limits apply, lodge within 9 months of the accident or 1 month from first consulting a lawyer, whichever is earlier.
- Fault-based scheme regulated by MAIC
- No statutory cap on common-law damages
- Pain and suffering, economic loss and care covered
- Catastrophic injury support via NIIS Queensland
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Australia-wide
Plain-English guides to the compensation schemes in each Australian state and territory.
Queensland CTP, explained
Queensland's CTP (Compulsory Third Party) scheme is fault-based and regulated by the Motor Accident Insurance Commission (MAIC). Compensation is recovered against the at-fault driver's CTP insurer (Suncorp, Allianz, RACQ, QBE, or another approved CTP insurer). Unlike many other states, Queensland has no statutory cap on common-law damages, meaning successful claims can recover the full reasonable value of the loss.
What you can claim in QLD
- Past loss of earnings: Lost wages and superannuation from the accident date to settlement.
- Future loss of earning capacity: Calculated actuarially based on your pre-accident income, age, and remaining work life.
- Past and future medical expenses: All reasonable treatment, rehab, surgery, medications and aids.
- Care and assistance: Including paid care and gratuitous (Griffiths v Kerkemeyer) care provided by family.
- Pain and suffering: Calculated under the Civil Liability Regulation 2014 ISV scale.
- Out-of-pocket expenses: Travel, modifications, equipment.
How QLD CTP settlements are worked out
The amount recovered in a Queensland CTP claim depends on the severity of the injury, the level of permanent impairment assessed under the Injury Scale Value (ISV) scale, the effect on your earning capacity, and the cost of past and future treatment and care. Catastrophic injury matters often combine with NIISQ lifetime support. The Motor Accident Insurance Commission (MAIC) publishes scheme statistics and claimant information.
The PIPA process
QLD CTP claims follow the Personal Injuries Proceedings Act 2002 (PIPA) process: serve a Notice of Accident Claim Form, the insurer responds within 6 months, exchange information and medical evidence, attend a Compulsory Conference (a structured settlement negotiation), and proceed to court only if no settlement is reached. Most claims settle at or before the Compulsory Conference.
Cities and regions covered
Information on this page applies to accidents anywhere in Queensland, including Brisbane CBD, North and South Brisbane, Logan, Ipswich, Redlands, Moreton Bay, Gold Coast, Sunshine Coast, Toowoomba, the Darling Downs, Cairns, Townsville, Mackay, Rockhampton, and regional QLD.
Queensland CTP claim FAQs
Plain-English answers to the most common questions about lodging a CTP claim under MAIC in Queensland.
Reviewed by CompoCheck Editorial Team · Last updated
How do I lodge a CTP claim in Queensland?
First, identify the at-fault vehicle's CTP insurer (use the MAIC enquiry line on 1300 302 568 or the rego lookup tool). Then complete a Notice of Accident Claim Form and serve it on the insurer. The insurer has 6 months to admit or deny liability. Many claimants engage a lawyer to handle this process. The Motor Accident Insurance Commission (MAIC) publishes claimant guidance at maic.qld.gov.au.
How long do I have to lodge a QLD CTP claim?
Lodge the Notice of Accident Claim Form within 9 months of the accident date, or 1 month from the date you first consulted a lawyer about the claim, whichever is earlier. The 1-month rule is critical: once you see a lawyer, the clock starts. Late claims are accepted only with leave of court for compelling reasons.
Can I claim if I was partly at fault for the accident?
Yes, but your damages will be reduced by your percentage of contributory negligence. For example, if you were 25% responsible for the crash, your settlement is reduced by 25%. If you were entirely at fault, you cannot recover under the QLD CTP scheme (separate options may exist for catastrophic injuries via NIIS).
How long does a Queensland CTP claim take to settle?
Straightforward QLD CTP claims typically settle 12 to 24 months from lodgement. Complex matters with disputed liability or catastrophic injury can take 2 to 4 years. Statutory time-stamps in the process include the insurer's 6-month liability response, mandatory pre-court settlement conferences, and (if not resolved) court timetabling under the Personal Injuries Proceedings Act 2002.
What about catastrophic injuries in Queensland?
Catastrophic injuries (severe brain injury, high-level spinal cord injury, severe burns, multiple amputations, blindness) can be supported by the National Injury Insurance Scheme Queensland (NIISQ). NIISQ provides treatment, care and support for the rest of your life regardless of fault. CTP common-law damages may run alongside NIISQ for additional pain and suffering and lost earnings.
How are CTP legal costs handled in Queensland?
Queensland regulates legal costs in CTP matters. If a claim succeeds, costs are typically a mix of insurer-paid party-party costs plus solicitor-client costs deducted from the settlement. The Personal Injuries Proceedings Act 2002 caps the total legal costs that can be deducted, designed to ensure most of any settlement reaches the claimant. Always ask any firm you contact for its costs disclosure document before signing.
How your Queensland CTP claim gets handled
Enquiries you submit are sent to the advertising law firm for your state and claim type.
- 01
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Answer a few simple questions about your injury. No legal jargon, just the facts.
- 02
Your enquiry goes to an advertising law firm
Your enquiry goes to a law firm that advertises on CompoCheck for your state and claim type.
- 03
The firm contacts you
The firm can discuss your situation with you directly. Whether you go further is up to you.
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