How to claim

If you or someone in your family was injured in a motor vehicle crash and you wish to lodge a CTP insurance claim, you will need to take the following steps within strict timeframes.

1. Report the crash to police

If you are a driver involved in a crash where someone is injured and you are at the scene of the accident, you must report the crash to police by calling 000.

If you are injured in a crash and wish to lodge a CTP insurance claim, but the crash is not yet reported:

  • complete a Report of Traffic Incident to Police Form (PDF, 117KB) and take it to a police station
  • report the crash to a police station, not to Policelink, so that you get the information you need for your claim.

2. Get the registration number of the vehicle that caused the crash

To lodge a claim form, you will need the registration number of the vehicle that caused the crash (we call this the ‘at-fault’ vehicle). If multiple vehicles were involved in the crash, get their registration numbers as well.

If the vehicle you think was at-fault was registered in Queensland, you can identify the CTP insurer online. To use this service, you need the at-fault vehicle’s registration number and the date of the crash. If you are unable to identify the CTP insurer of the at-fault vehicle or don’t have the details required, please contact us at MAIC for assistance.

If the at-fault vehicle was registered in another state or territory, contact the relevant interstate authority. If the at-fault vehicle in the crash cannot be identified or is unregistered (and therefore uninsured), you can lodge your claim against the Nominal Defendant.

3. Complete your claim form

Please complete all sections of the claim form to avoid delays with your claim. If you have sustained an injury in a motor vehicle accident and wish to make a CTP insurance claim, you must complete the Notice of Accident Claim Form (Non-Fatal Injury) (PDF, 728KB). If you are making a claim as a spouse or dependant of a person who sustained fatal injury in a motor vehicle accident, you must complete the Notice of Accident Claim Form (Fatal Injury) (PDF, 406KB).

Make sure that you provide an honest account of the accident, the injury sustained and its impact. Providing exaggerated or misleading information about your claim to an insurer is CTP fraud which may be prosecuted.

a. Medical Certificate

If you are lodging a Notice of Accident Claim Form (Non-Fatal Injury), you must have your medical practitioner complete the Medical Certificate on pages 11 and 12 of the claim form.  Completing the Medical Certificate (PDF, 86 KB) is required on all CTP claims and for the insurer to consider the funding of treatment and rehabilitation.

b. Claimant Certificate

Every person who makes a CTP insurance claim is now required to complete a Claimant Certificate as part of lodging a Notice of Accident Claim Form.

The Claimant Certificate (PDF, 510KB) requires you to state:

  • that you are making the claim on your own initiative
  • whether you were contacted by another person who pressured or induced you into making a CTP insurance claim
  • if you are legally represented, whether you are aware of anyone paying a fee (or giving a gift or other benefit) to another person for your claim referral to the law practice that represents you.

You have the right to engage a lawyer of your own choosing. Alternatively, you can decide to deal directly with the insurer about your claim. It is not acceptable for someone to pressure you or harass you into bringing a claim.

If you have been pressured into making a CTP insurance claim or are worried that your lawyer may have paid someone for your referral, you should report them to us.  If you would like a referral to a new lawyer in your area or an accredited specialist, you should contact the Queensland Law Society who can assist. Any concerns about the conduct of legal practitioners should be directed to the Legal Services Commission.

c. Proof of identity

If you are aged 15 or over, you must now provide a certified colour copy of a government issued identity document such as a driver licence or passport. For more information about the photo identification requirement, view page 8 of the Notice of Accident Claim Form (Non-Fatal).

d. Law Practice Certificate

If you have engaged a lawyer to act on your behalf, your lawyer must complete a Law Practice Certificate (PDF, 511KB) both at the start and settlement of your claim and give it to the relevant CTP insurer. The Law Practice Certificate ensures your lawyer has complied with the Motor Accident Insurance Act 1994 and has not engaged in car crash scamming (also called claim farming) to obtain your instructions on the claim. Car crash scamming is now illegal in Queensland’s CTP insurance scheme. There are severe penalties for lawyers or anyone else engaging in car crash scamming, including penalties of up to $40,035. To learn more, visit maic.qld.gov.au/hangup.

4. Lodge your form

Your completed claim form (including the completed Medical Certificate, Claimant Certificate, certified identity document, and, if you have engaged a lawyer, the Law Practice Certificate) must be sent to the CTP insurer of the at-fault vehicle together with copies of any relevant reports, documents, accounts and receipts.

If the at-fault vehicle was registered in Queensland and you know the vehicle’s registration number and the date of the accident, you can identify online the CTP insurer where you can lodge your claim.

If the at-fault vehicle was registered in another state or territory, you will need to contact the relevant interstate authority for information on how to lodge your claim.

For further assistance, please contact the MAIC Enquiry Line on 1300 302 568 or via email at maic@maic.qld.gov.au.

Claims forms include:

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Last modified 9 April 2020