The Motor Accident Insurance Commission (MAIC) regulates Queensland’s Compulsory Third Party (CTP) insurance scheme.
The Nominal Defendant (ND) supports the CTP scheme by acting as the insurer for injury claims involving unidentified or uninsured (unregistered) vehicles.
In Queensland, Compulsory Third Party (CTP) insurance is legally required and is paid when you register your vehicle
CTP insurance provides:
- fair compensation and access to timely medical and rehabilitation support for people injured in motor vehicle accidents
- financial protection for vehicle owners and drivers in the event they cause an accident, injuring another person
- coverage of funeral costs and compensation to dependant close relatives if a person dies in a motor vehicle accident.
CTP insurance does not cover damage to property or injuries to the at-fault driver.
For more details, visit What is CTP insurance?
Motor Accident Insurance Commission
The Motor Accident Insurance Commission (MAIC) manages Queensland’s Compulsory Third Party (CTP) insurance scheme. We oversee the scheme, regulate insurers and monitor the claims management process, while working to keep premiums fair and affordable. We also support research and education initiatives to help reduce road trauma and improve rehabilitation outcomes.
What we do:
Regulate the CTP insurance scheme and licensed CTP insurers by:
- licensing and supervising CTP insurers and monitoring their compliance
- monitoring and reviewing the Queensland CTP insurance scheme and recommending changes (if required). See Scheme reviews
- maintaining a claims register and statistical database to support the administration of the CTP scheme. This data helps us monitor how insurers manage claims and rehabilitation and assists in identifying and preventing fraud. See our Fraud and scams page for more information.
Regulate the claims management process by:
- developing and updating claims management standards and guidelines. See Standards and guidelines
- monitoring the availability, quality and use of rehabilitation services for people injured in motor vehicle accidents.
Work to keep premiums fair and affordable by:
- setting the range within which each insurer must file their premiums
- recommending to the Queensland Government the levies and administration fees payable to cover the costs involved in delivering different components of the CTP scheme
- monitoring, investigating and prosecuting allegations of claim farming and fraud.
Support research and education to improve road safety and rehabilitation outcomes by:
- supporting research and education initiatives through a grants program that aims to reduce the frequency and severity of motor vehicle accidents, as well as enhance rehabilitation outcomes for people injured in motor vehicle accidents. See Research and grants program
- maintaining a helpline to provide the public with information about Queensland’s CTP scheme. See Contact us.
Established as a statutory body under the Motor Accident Insurance Act 1994 (Qld) (see Legislation), MAIC began operations on 1 September 1994.
We are funded by a levy paid with CTP insurance premiums. Revenue from compliance fines, prosecutions and income earned on investment of the Motor Accident Insurance Fund are further used to fund what we do.
The Chief Executive of the Commission is the Insurance Commissioner.
MAIC reports to the Minister for Finance, Trade, Employment and Training.
Nominal Defendant
The Nominal Defendant is an independent statutory body established under the Motor Accident Insurance Act 1994 (Qld) (see Legislation). The Nominal Defendant Fund was first introduced in 1961.
What we do:
- act as a licensed insurer in the CTP scheme for injury claims that involve motor vehicles that are unidentified or uninsured (unregistered)
- meet the claims costs associated with licensed insurers that become insolvent.
Operations of the Nominal Defendant are funded by a levy paid with CTP insurance premiums. The levy is set based on an actuarial assessment of claim trends.