If you’ve been involved in a car accident you’ll know it often isn’t the simple inconvenience that many think it is. You can be left with permanent and life-lasting consequences. Many insurers grossly under-estimate those losses and try to convince you to accept a nominal amount. To be able to recover your losses fully it’s important to adopt the right strategy and secure the best evidence. At Murphy’s Law, our Brisbane car accident lawyers have the experience and know-how to employ the best tactics to ensure your losses are fully recovered. Near enough is not good enough. We work tirelessly until the most economically viable outcome is secured. And we keep it simple for you: by looking after all the paperwork and gathering the necessary evidence. Call now to find out how we can help.
Common questions about car accident injury compensation:
What are the most common road and car accident injuries?
Common injuries from car and road accidents include:
- Head and facial injuries
- Neck injuries due to whiplash
- Back injuries from the impact
- Chest injuries including broken ribs
- Arm and wrist injuries
- Knee injuries
- Spinal injuries
- Trauma from the accident or being hit by a car
How long after a car accident can you claim injury compensation?
You have up to three years to claim. However in some cases such as accidents involving hit and runs or unregistered vehicles then this time limit is much shorter. To ensure you are aware of your legal rights and to ensure strong evidence can be gathered, it’s recommended you seek legal advice as soon as possible after a car accident.
Note: If the injured party of a motor vehicle accident was under 18 at the time of the accident then they have until they are 21 years old to start a claim in normal circumstances. However, evidence would be difficult to gather years down the track so it’s recommended you seek expert advice as soon as possible.
Who can claim motor vehicle injury compensation?
The following may be able to make a claim where there was a motor vehicle driver at-fault:
- Motorists such as car, ute, van, truck drivers and passengers
- Motorcyclists including pillion riders
- Public transport passengers involved in a bus or coach accident
- Taxi and rideshare customers (Uber, Didi etc) injured as a passenger
- Cyclists hit by a motor vehicle
- Pedestrians hit by a motor vehicle
What can you claim for as part of motor vehicle injury compensation?
Claims for a road or car accident injury can help compensate for the following factors (among others);
- Loss of earnings – both past loss of earnings and predicted future loss of earnings
- Loss of superannuation
- Medical costs such as doctors appointments, specialists, surgery and medications
- Physical therapy costs such as physio, occupational therapy, remedial massage and exercise physiologists
- Mental health costs such as psychologist fees for the psychological impacts and trauma
- Pain and suffering compensation
What is CTP insurance?
CTP insurance stands for compulsory third party insurance and forms part of the vehicle registration requirements and costs in Queensland.
CTP insurance covers personal injury claims against the at-fault driver in an accident. Everything is handled between the motor vehicle injury law firm acting for the injured party and the CTP insurer. The at-fault driver is not left out of pocket.
Note: CTP does not cover third party damage to other vehicles or property.
Does a personal injury claim affect car insurance?
A personal injury claim is made against the CTP insurer of the driver/s deemed to be at-fault. CTP insurance forms part of the registration costs of a vehicle and doesn’t impact your regular insurance.
Are passengers insured if injured in my car?
Yes, they are insured under the CTP insurance that all cars have from registration. If you were the at-fault driver then any injured passengers of your vehicle can claim without cost or negative impact on yourself.
Getting hit by a car as a pedestrian
Pedestrians may be able to make a personal injury claim for their physical injuries and for the trauma after being hit by a car or motor vehicle. Pedestrian claims for walkers and joggers can include incidents such as a car mounting the pavement or failing to stop at a pedestrian crossing.
* Insurance options – can include polices through your vehicle insurance, membership in a motoring club or association or personally through your superannuation, TPD Insurance, income protection insurance, trauma insurance, private health insurance, travel insurance or otherwise.