Australians experience motor vehicle accidents daily, involving cars, buses, motorcycles, or trucks. If you’ve been injured in such an incident, you may be eligible for compensation. This applies to passengers, pedestrians, cyclists, motorbike riders, or drivers involved in the accident.

Who Qualifies for Compensation?

If another driver is at fault for the accident, you can seek compensation for your injuries. Even if you share fault or if the responsibility is unclear, you may still receive support for severe injuries through the Lifetime Support Scheme.

What Can You Claim After a Car Crash?

Compensation may cover:

• Pain and suffering
• Lost income
• Lost superannuation
• Medical expenses
• Assistance at home and in the garden
• Voluntary services
• However, specific rules and discounts may apply. It’s crucial to consult with a legal expert to understand your potential claims based on your circumstances.

Compensation Responsibility

All registered cars in Australia are covered by Compulsory Third Party (CTP) insurance. This insurance, part of the registration fee, provides coverage for injuries caused by car use. Compensation comes from the insurer of the at-fault car, not the driver.

Since July 1, 2022, South Australia features five CTP insurers: AAMI, NRMA, Allianz, QBE, and Youi. Identify the responsible insurer by using the registration number of the car at fault.

Time Limits to File a Claim

You can submit a claim form to the insurance company within six months of the accident. If the claim isn’t settled within three years, legal proceedings must be initiated to protect your compensation rights.

For accidents involving a child under 18, the three-year limit begins when they turn 18, allowing until age 21 to file a court claim. However, it’s advisable to submit the claim form within six months of the accident. Early consultation with a lawyer is vital to comply with pre-action steps.

Doconade Lawyers Can Help

At Doconade, our lawyers specialize in compensation claims. Get a free, no-obligation initial interview to assess your situation and discuss the likelihood of a successful claim. Our free, no-obligation 30-minute meeting ensures you understand the compensation process, and if you want to go forward.