In an emergency, always call triple zero (000)
Call 000 to reach the police, fire or ambulance services.
You must call the police if someone is injured in a car accident in Queensland. The police may give you a special reference number, called a QP number (sometimes referred to as a Qprime or a traffic incident number). Make sure to record this, because you’ll need it if you want to make a Compulsory Third Party (CTP) insurance claim later. View Queensland Police traffic crash FAQs for more information.
Record the registration number of the vehicle/s that may have caused the motor vehicle accident
To make a CTP insurance claim, you need the registration number of the motor vehicle that may have caused the accident. If more than one car was involved, try to get the registration numbers for each of them. You can also use the vehicle’s registration number to find out who its CTP insurer is. This will help you know which insurer to send your claim to. Use our Find a vehicle’s CTP insurer tool, or visit Pre-claim checklist for more information.
Collect contact details of witnesses
If you’ve been injured in a motor vehicle accident, try to collect the contact details of anyone who witnessed the accident. Witnesses can provide important information to support your claim. Where possible, record their full name, address, preferred contact number and email address, as accurate details can help your CTP insurance claim be processed more efficiently.
If medical treatment and rehabilitation is needed, it should be provided as soon as possible after the injury
Ask your doctor whether you may need rehabilitation services. Keep any receipts, as you may be able to claim reimbursement later.
What is a CTP insurance claim?
CTP insurance is part of vehicle registration in Queensland.
If you’re hurt in a motor vehicle accident and it wasn’t your fault, you can make a claim through the at-fault vehicle’s CTP insurer to help pay for your medical treatment, rehabilitation and compensation for your losses. Pedestrians, passengers, cyclists and drivers who sustain injuries in an accident may submit a CTP insurance claim with the insurer of the vehicle that may have been partially or wholly at fault.
CTP insurance may also cover funeral costs and compensation for close family members who were financially dependent on someone who has died in a motor vehicle accident.
CTP insurance DOES NOT cover:
- vehicle or property damage
- any injuries sustained in a motor vehicle accident where the driver or rider is totally at-fault
- any injuries sustained in a motor vehicle accident where no one was at fault (e.g., a single vehicle accident involving only your vehicle).
For more information, see What is CTP insurance?
Watch this short video to learn more about CTP claims
This is Josh.
He owns a motorcycle and loves riding around Queensland’s great outdoors.
Unfortunately, Josh was recently involved in an accident that was caused by someone else.
Josh was injured and taken to a hospital for treatment.
After release he had some physical rehabilitation but was worried about being able to continue paying for his treatment, as he was unable to return to work.
But Josh got peace of mind and was able to focus on his recovery because he made a Queensland Compulsory third party insurance claim against the CTP insurer of the vehicle that caused the crash.
CTP insurance may cover the costs of your injuries resulting from a motor vehicle accident, such as medical expenses, rehabilitation, loss of income and any pain and suffering.
Here’s what Josh did…
He reported the accident to police and requested the registration number of the car that hit him.
Josh visited the website for the Motor Accident Insurance Commission (also known as MAIC) to find all the forms and information he needed to guide him through the CTP claiming process.
He filled out a Notice of accident claim form and submitted it to the CTP insurer of the vehicle that caused the crash.
Josh also had his doctors complete a medical certificate for the claim to verify his injuries and medical treatment.
The CTP insurer soon contacted Josh stating they would pay to assist him in recovering from his injures and getting his life back on track.
Fortunately, Josh’s journey had a happy ending and he’s once again enjoying travelling about on his motorcycle.
If you find yourself in a similar situation, visit the MAIC website for guidance.
Disclaimer: The information contained within this video is for information and education only. It is not intended to be a substitute for professional legal advice. All claims for compensation are assessed individually. Please discuss your specific situation with the CTP insurer managing your claim or with your lawyer if you are legally represented. If you are unsure of your legal rights, a lawyer can advise you.
Who lodges the claim and which insurer is responsible?
- If a driver or rider causes a motor vehicle accident that injures someone, the CTP insurer of the vehicle they were using funds the injured person’s medical treatment, rehabilitation, and compensation costs.
- The injured person submits a CTP claim to the insurer of the at-fault motor vehicle. Before you consider submitting a claim, and for information on how to get started, please review Can I claim? and the Pre-claim checklist.