CTP is short for Compulsory Third Party insurance. Every registered motorist in Queensland is required to pay for this insurance. Depending what type of vehicle you drive, the cost could be $750 or more a year. The compulsory nature of the insurance means if your vehicle injures any road user, the insurance cover will provide financial support to that person to help them recover from that injury. That may mean funding medical expenses or income loss. If your vehicle is unregistered, or you let your registration expire, your CTP insurance also expires.
The Motor Accident Insurance Commission (MAIC) is the government statutory authority responsible for the regulation and ongoing management of CTP in Queensland.
The Nominal Defendant is also a statutory authority established to compensate people who are injured by the negligent driving of a vehicle which is not registered or cannot be identified.
Both MAIC and the Nominal Defendant were established under the Queensland Motor Accident Insurance Act of 1994 and are funded by a levy within the CTP premium paid by motorists.
The Chief Executive of MAIC is Mr Neil Singleton. He also fulfils the role of Queensland Insurance Commissioner and Nominal Defendant.
MAIC and the Nominal Defendant are positioned within the Risk and Intelligence Division of Queensland Treasury. To find out more what the Queensland Treasury do, please follow this link https://www.treasury.qld.gov.au/about-treasury/what-we-do/
The Queensland CTP scheme is underwritten by private insurers including RACQ, Suncorp, Allianz and QBE. These insurance companies accept premiums and manage claims on behalf of their policy holders. Compensation is paid to accident victims from their respective premium pools.
The Motor Accident Insurance Commission (MAIC) website has a handy search function to quickly tell you which insurer your CTP is with, or, if you are in an a motor vehicle crash, you can type the registration number of the car at fault and find out who their CTP insurance is with. Click here to search now.
For information on how to apply to the CTP scheme for help, you have to complete a few activities. These activities are outlined on the Motor Accident Insurance Commission information webpage found via this link https://maic.qld.gov.au/how-to-make-a-claim/
In 2016 Queensland introduced a scheme specifically designed for those injured people who have suffered catastrophic injuries in a motor vehicle crash, such as permanent spinal cord injuries and permanent brain damage medically classified either of a moderate or severe impact.
NIISQ covers treatment and care costs for injured participants who qualify for the scheme for as long as necessary, often for life. An injured person can be a participant whether they were at fault in causing the injury or not.
The entitlements are defined as ‘necessary and reasonable treatment, care and support’ and can include medical, pharmacy, dental, rehabilitation, respite care, aids and appliances (e.g. wheelchairs), prostheses, educational and vocational training to assist in returning to paid employment, home and vehicle modifications, personal care and domestic services.
NIISQ does not pay any income replacement or lump sum compensation.
NIISQ is run by the Queensland Government and is paid for by a levy that is part of the CTP insurance fees attached to a vehicle’s registration.
If a person has a motor injury claim and can demonstrate that the injury was another driver’s fault, they may choose to take all their compensation as a lump sum and ‘opt out’ of NIISQ. If the injured person was at fault however, they have no cover from the motor injury scheme but participate in NIISQ if they qualify based on the severity of the injury.
Claim farming is when companies or individuals locate injured people from road traffic incidents, predominantly by repetitive cold calling from offshore call centres. They then on-sell the injured person’s personal details to either legal or other representatives to lodge a CTP claim with the insurance company, sometimes without the injured person’s knowledge.
There are a variety of problems that arise from claim farming, including:
The Queensland Government is currently debating proposed amendments to the Motor Accident Insurance legislation that will create two new offences:-
To read more about the proposed amendments to be debated in parliament follow this link.
We are working with the State Government, the Insurance Council of Australia and other industry stakeholders to eradicate this behaviour. This includes making recommendations on the most appropriate legislation changes, raising awareness among our members and the wider motoring community and social media education about what to do when you get one of these phone calls.
If you receive a claim farming call, get as much information about the caller as possible including their name, the company they work for and the phone number they are calling from. You can then lodge the details into the Motor Accident Insurance Commission ‘car crash scammer register’ at www.maic.qld.gov.au.
Your health and wellbeing are the most important thing. If you do get injured, you should seek appropriate medical advice and treatment as soon as possible. The sooner you seek appropriate medical advice and treatment, the faster your road to recovery can be.