The following legislation applies to Compulsory Third Party (CTP) insurance claims in Queensland.
Access the legislation by clicking on the links below:
Civil Liability Act 2003
Civil Liability Regulation 2014
Motor Accident Insurance Act 1994
Motor Accident Insurance Regulation 2018
The Civil Liability Act 2003 applies to accidents in Queensland occurring on or after 2 December 2002. The Civil Liability Act 2003 operates, and should be read with, the Motor Accident Insurance Act 1994.
The Civil Liability Act 2003 affects the type of claims that can be made as well as limiting some of the compensation that can be claimed. See Chapter 3 – Assessment of damages for personal injury of the Civil Liability Act 2003.
For further information on how the Civil Liability Act 2003 affects your claim contact the CTP insurer involved or your solicitor (if you are legally represented).
Indexation of monetary amounts
Certain monetary amounts under the Motor Accident Insurance Act 1994 are indexed on an annual basis, including the declared costs limits, lower offer limits and upper offer limits.
The amounts are fixed via Ministerial notice, available as follows:
- Motor Accident Insurance Indexation Notice 2024 (contains the 2024-25 indexed amounts and the historic amounts previously prescribed by regulation)
- Motor Accident Insurance Indexation Notice 2025 (contains the indexed monetary amounts for 2025-26).
The following table provides a consolidated overview of historic and current monetary amounts to support ease of use
| Period (dates inclusive) | Declared costs limit ($) | Lower offer limit ($) | Upper offer limit ($) |
|---|---|---|---|
| 2 December 2002 to 30 June 2010 | 2,500 | 30,000 | 50,000 |
| 1 July 2010 to 30 June 2011 | 2,950 | 35,340 | 58,900 |
| 1 July 2011 to 30 June 2012 | 3,040 | 36,400 | 60,670 |
| 1 July 2012 to 30 June 2013 | 3,210 | 38,390 | 63,990 |
| 1 July 2013 to 30 June 2014 | 3,380 | 40,460 | 67,450 |
| 1 July 2014 to 30 June 2015 | 3,510 | 41,990 | 70,010 |
| 1 July 2015 to 30 June 2017 | 3,600 | 43,020 | 71,730 |
| 1 July 2017 to 30 June 2018 | 3,690 | 44,070 | 73,490 |
| 1 July 2018 to 30 June 2019 | 3,800 | 45,430 | 75,750 |
| 1 July 2019 to 30 June 2020 | 3,910 | 46,800 | 78,040 |
| 1 July 2020 to 30 June 2021 | 4,000 | 47,850 | 79,790 |
| 1 July 2021 to 30 June 2022 | 4,020 | 48,030 | 80,090 |
| 1 July 2022 to 30 June 2023 | 4,160 | 49,700 | 82,870 |
| 1 July 2023 to 30 June 2024 | 4,380 | 52,350 | 87,300 |
| 1 July 2024 to 30 June 2025 | 4,590 | 54,850 | 91,460 |
| 1 July 2025 to 30 June 2026 | 4,860 | 58,090 | 96,870 |
For monetary amounts under the Civil Liability Act 2003, please see:
- Civil Liability Indexation Notice 2024 (contains the 2024-25 indexed amounts and the historic amounts previously prescribed by regulation)
- Civil Liability Indexation Notice 2025 (contains the indexed monetary amounts for 2025-26).
Further information
Online searches for the complete range of Queensland Government legislation may be conducted at the Office of the Queensland Parliamentary Counsel website.
Legislation is available in Portable Document Format (PDF). Adobe Acrobat Reader is required to open and print PDF files and is free to download at the ‘Get Adobe Reader’ website.
For additional information or assistance, please contact us