A guide for people injured in a motor vehicle crash.

Size: px
Start display at page:

Download "A guide for people injured in a motor vehicle crash."

Transcription

1 A guide for people injured in a motor vehicle crash. This guide has been designed to help people who have been injured in a motor vehicle crash and who may be able to make a claim for personal injury compensation.

2 Contents page Introduction 3 CTP insurance in South Australia 4 Making a claim 5 Compensation 8 The claims management process 9 Legal costs 12 Complaints, compliments and feedback 13 Other languages 14 Contact details 17

3 Introduction. Being involved in a motor vehicle crash can be a traumatic experience. That is why Allianz wants to make claiming compensation as simple as possible. This brochure aims to explain, simply and clearly how the claims process works. It contains information on who can claim, how to make a claim, the claim finalisation process and things in between. This is a basic guide to help you understand claiming for compensation and is not a legal document. If you have been injured in a motor vehicle crash and need help or advice on making a claim, please call our office on (cost of a local call from anywhere in Australia) and we will be happy to help. 3

4 CTP insurance in South Australia. The Motor Accident Commission (MAC) is South Australia s Compulsory Third Party (CTP) insurer and provides compensation to victims of motor vehicle crashes. MAC is a statutory authority established under the Motor Accident Commission Act In South Australia, Allianz is responsible for the processing of claims and the handling of enquiries. Allianz Australia Insurance Limited (Allianz) is the Claims Manager for MAC. 4

5 Making a claim. Eligibility You may be able to make a claim for compensation against the South Australian CTP scheme if: the vehicle at fault was registered in SA; you were injured in a motor vehicle crash; or a family member or domestic partner was fatally injured. To make a claim, you must be able to establish that the driver, owner or passenger of a motor vehicle (other than you) was at fault, whether completely or in part. Being injured or involved in a motor vehicle crash doesn t mean you can automatically claim compensation. You may not be able to claim if, for example: you were totally at fault; the person at fault was not the owner, driver or passenger of a motor vehicle (e.g. a pedestrian or push cyclist); the person at fault was the owner, driver or passenger, (whether with or without the consent of the owner) of a vehicle registered in another State or Territory of Australia; the injuries sustained were not caused by, or did not arise from the use of, a motor vehicle in any part of the Commonwealth. You may still be eligible to make a CTP claim in circumstances where the vehicle at fault cannot be clearly identified, or if the South Australian vehicle at fault was unregistered at the time of the crash. If the vehicle at fault was registered in another State or Territory, you will need to contact the relevant CTP insurer in that particular State or Territory. For information about making a claim contact; NSW Motor Accidents Authority VIC Transport Accident Commission QLD Motor Accidents Insurance Commission TAS Motor Accidents Insurance Board WA Insurance Commission of WA ACT NRMA Insurance Ltd NT Territory Insurance Office If you are uncertain about any aspect of your eligibility to make a claim, contact our office on

6 How to make a claim The first thing you ll need to do is complete an Injury Claim Form. This form is available by contacting Allianz on or downloadable from or Within a few days of receiving this letter, a representative from Allianz will contact you to discuss your claim and injuries. How fault is established The circumstances of each crash are investigated to determine who was responsible, before we are able to make any payments of compensation. WCSA 0002 (07/04) South Australia Compulsory Third Party (CTP) Injury Claim Form This form is to be completed by any person who is injured in a motor vehicle accident. A separate form (Accident Report Form) must be completed by the driver, motor cyclist or registered owner, when a person is injured in a motor vehicle accident. This form may be lodged by: Mailing to: Allianz Australia SA CTP GPO Box 2198 Adelaide SA 5001 OR Faxing to: Allianz Australia SA CTP General Fax (cost of local call) OR Lodging personally to: Allianz Australia SA CTP Ground Floor 89 Pirie Street Adelaide SA 5000 If you have any queries, please call Allianz Australia SA CTP Personal Injury Helpline on (cost of local call). Allianz Australia Insurance Limited ABN Registered Office: 2 Market Street, Sydney NSW 2000 You or someone on your behalf needs to complete this form as soon as possible after your crash. A legal representative can also lodge a claim on your behalf. Once we have received your completed Injury Claim Form, your claim will be lodged and an acknowledgement letter sent to you. This letter will notify you of your claim reference details. The drivers involved will be contacted to obtain verbal and written descriptions of the crash and, an Accident Report Form will be sent to them for completion. We will also contact, if necessary, any witnesses to the crash. Depending on the circumstances, an Investigator may be appointed to conduct more detailed inquiries. Our investigations are completely independent of the police or your property damage insurer, however we do sometimes get information from these parties to assist us in making a decision. Once the decision has been made, we will advise you in writing. If you don t agree, you can write or call our office to talk about the decision. If you are partially at fault If you were partially at fault for the crash, or your injuries, you may still be able to make a claim but the amount of compensation you could possibly receive may be reduced. For further information please contact our office on For further information please contact our office on

7 Other factors that may reduce compensation As provided by the Civil Liability Act, 1936, as amended, the following Statutory Reductions may result in a reduction of the amount of compensation paid to you: Seatbelts. A fixed 25% reduction applies for persons (16 years or older) not wearing a seatbelt as required under the Road Traffic Act, Safety Helmets. A fixed 25% reduction applies for persons (16 years or older) not wearing a safety helmet as required by the Road Traffic Act, Passenger Compartments. A fixed 25% reduction for persons (16 years or older) travelling as a passenger in or on a motor vehicle with a passenger compartment, but not within the compartment (for example a van or utility). Alcohol or Drug Consumption Drivers who have contributed to a crash and were intoxicated. There is a minimum 25% reduction in cases where the Blood Alcohol Content (BAC) is less than 0.15%; and a minimum 50% reduction when it is 0.15% or higher, or where the driver was so much under the influence of alcohol or drugs to be incapable of exercising effective control of the vehicle. Passengers (16 years or older) travelling with an intoxicated driver. Where the driver s BAC is less than 0.15%, there is a fixed 25% reduction. Where the driver s BAC is 0.15% or more, there is a fixed 50% reduction. However, the passenger must be aware, or ought to be aware, that the driver was intoxicated. Pedestrian/Cyclists who have contributed to their injuries and were intoxicated. There is a 25% or more reduction. These compulsory reductions are in addition to any other reductions which may be applied for contributory negligence. 7

8 Compensation. What you can claim for These are examples of what you may be entitled to reasonably claim; necessary hospital, medical and rehabilitation expenses loss of earning capacity (past and future), excluding the first week s loss future treatment an allowance for any pain and suffering experienced by you as a result of your injuries travelling expenses to and from treatment, an allowance for any homecare services you may require as a result of your injuries (for example, cleaning and gardening). Claiming compensation for a family member who was fatally injured in a motor vehicle crash If you are a family member of a person who was fatally injured as a result of a motor vehicle crash, you may be able to claim compensation. You may be entitled to claim, for example, the reasonable cost of funeral and memorial expenses and loss of dependency. Time limits Time limits to lodge a claim do apply, depending on your age and situation. If you have not lodged your claim within 3 years from the date of crash you may be legally barred from pursuing a claim. If it appears you will not finalise your claim within 3 years from the date of the crash, you should seek legal advice as you may be required to issue Court proceedings to preserve your claim. If you are under 18 years of age at the time you were involved in the crash, you have until the time you reach 18 years plus 3 years. Claims for financial dependency must be lodged within 3 years of the date of death. Time limits to lodge a claim do apply, depending on your age and situation. 8

9 The claims management process. What happens once you have lodged a claim? You will receive a letter from us acknowledging your claim which will include a claim reference number. This number is for you to use when contacting us about your claim. You will also receive a phone call from an Allianz Claims Consultant who will assist you with any questions regarding you claim. They will then write to you to confirm their name and contact details. Investigating who was at fault Allianz will investigate the crash circumstances to establish who was at fault. This may involve the appointment of an investigator to obtain statements from the people involved and any witnesses to the crash. We will also request information from the police where necessary. On completion of our investigations we will write to you advising whether your claim has been accepted. If your claim is not accepted or only partially accepted we will include information about the reasons for our decision. Medical treatment If you have been injured in a crash you should see a doctor immediately. If you have symptoms that are likely to be long term, you should continue seeing your doctor from time to time so that we can obtain medical reports about the progress of your treatment and recovery and to assist us in considering the ongoing payment of your medical accounts. We will not stop you from having any type of treatment, but you should contact us to make sure we ll pay the associated costs. Generally, we won t continue to pay for medical treatment, on an ongoing basis, unless there is evidence that it is providing some sustained improvement in your medical condition. Allianz may ask you to provide further information to support the payment of your medical treatment. Allianz may authorise payment for treatment expenses including, but not limited to the following: medical practitioners medications ambulance hospital physiotherapy chiropractic hydrotherapy massage gym program All providers of medical and allied health services (e.g. physiotherapy, chiropractic, hydrotherapy and massage treatment) must be WorkCover accredited or your expenses will not be covered. Payment of accounts for these treatments will be made at WorkCover gazetted rates. If you are unsure of whether the treatment recommended is covered, please contact us to discuss. Paying for treatment? Legally, you are responsible for the payment of all accounts for treatment expenses until your claim is settled. However, wherever practicable (see the section Medical Treatment ), Allianz will pay your accounts. If there is any doubt, payment will not be made until further investigations or inquiries have been completed. We will also consider reimbursement of accounts paid by you. Original accounts and/or receipts should be sent directly to Allianz, but you should keep a record of all treatment dates and copies of any accounts and receipts. You will generally not be billed direct for ambulance services or public hospital care in South Australia, if it relates to injuries you have sustained in a motor vehicle crash. If your claim is denied, you are responsible for your expenses. You may be able to claim part, or all, of your expenses from Medicare or your Private Health Insurer. 9

10 Contact from Allianz about your claim Your Claims Consultant will make regular contact with you until the finalisation of your claim. You can, of course, contact your Claims Consultant at any time, to discuss your claim, treatment and progress. If you have engaged a legal representative to act on your behalf, Allianz will not contact you directly and all information regarding your claim will be directed through your legal representative. If you wish to discuss any aspect of your claim you should speak to your legal representative who will contact Allianz on your behalf. Criteria for some compensation other than medical expenses Certain criteria need to be satisfied before some types of compensation can be paid. For example, you may be entitled to claim for non-economic loss if: your ability to lead a normal life is significantly impaired by your injury for a period of at least 7 days; or your medical expenses incurred in connection with your injury have exceeded the prescribed minimum amount, (eg $3, for a crash that occurred in 2008). Advance payments Although we are not legally required to pay for a loss of earning capacity prior to settlement of your claim, advance payments against your claim for loss of earnings can be considered upon request. Independent medical experts Allianz may decide to arrange for you to be seen by an independent medical expert. This is generally to assess the progress of your injury and your treatment requirements. If you do not attend a scheduled appointment with an independent medical expert, compensation for medical treatment may be put on hold, and your rights to commence or move forward with legal proceedings may be delayed. You may also be charged a cancellation fee for the missed appointment. Assessing claims To ensure that fair and reasonable compensation is assessed correctly, Allianz will consider all evidence available to us. For example, compensation for non economic loss is assessed on an individual basis and a numerical value is assigned on a 0 to 60 (the scale value), with 60 being generally awarded to a person who has sustained the most serious kind of injury conceivable. Claims for loss of earning capacity are generally assessed on Medical Reports, Payslips and Sick Certificates. Any other entitlements to compensation will be determined on the evidence available. 10

11 Finalising claims Once your injuries have stabilised you may contact Allianz or, Allianz will contact you to discuss the finalisation of your claim. Every person responds differently to injuries and circumstances. Some people may recover within weeks or months while others, with more serious injuries, may take years. If you are entitled to receive compensation as a result of your injuries, an offer of settlement will be made directly to you or your legal representative. Any offers made will include a detailed summary of all the items payable. Before deciding whether or not you are happy with the offer made, we invite you to discuss the offer in detail with your Claims Consultant. Once settlement has been agreed the appropriate documents will be sent to you for your signature. Medicare Australia may seek from Allianz, a refund from your agreed settlement as part of the claim finalisation process if any treatment has been paid by them. Other Statutory bodies, such as Centrelink, may also seek reimbursement from your settlement. Problems finalising a claim Allianz prefers to settle claims out of the Court system, as legal action can be long and costly. In order to avoid legal proceedings we will make every effort to resolve any disputes either directly with you, or with your legal representative. This may involve the use of an informal settlement conference to facilitate the settlement of the claim. If you start legal proceedings, the Courts require that all parties hold a settlement conference to discuss and hopefully resolve your claim. If agreement cannot be reached, your claim may go to Trial for the matter to be determined by the Court. If you are entitled to receive compensation as a result of your injuries, an offer of settlement will be made directly to you or your legal representative. 11

12 Legal costs. At any stage throughout the life of your claim you have the right to seek representation from a legal representative. Allianz may be obliged to make a contribution towards your legal costs when your claim is finalised. Before you engage a legal representative, you should discuss how you will be charged and what the cost is likely to be. Legal Costs may include not only the services of your legal representative but also other associated costs such as medical reports, police reports and any court costs. If you are not successful with your claim or the court awards you less than the final offer made to you, you may be ordered by the court to pay Allianz s legal fees. You will need to discuss this with your legal representative. 12

13 Complaints, compliments and feedback. Complaints Allianz is committed to providing you with a positive customer experience. To do this, we would appreciate your feedback. If you are not happy with our service or the way in which it was provided, you have the right to make a complaint. If you have a complaint about the timeliness or standard we provide, please discuss this with your Claims Consultant. If you cannot resolve the issue at this point, we encourage you to discuss the complaint with your Claims Consultant s direct Manager. Compliments and feedback If you want to tell us what we have done well, or make a suggestion on how we can improve the process, please phone us and ask to speak to your Claims Consultant s direct Manager. Allianz is committed to providing you with a positive customer experience. To do this, we would appreciate your feedback. 13

14 Other languages. If you need an interpreter please call the Translating and Interpreting Service (TIS National) on and ask to be connected to Allianz on between 8:30 am and 5:00 pm, Monday to Friday. μ μ (TIS National) μ Allianz μ 8:30.μ. 5:00 μ.μ. μ. Ti ng Vi t 14

15 (TIS National) Allianz :30. 17:00., (TIS National) Allianz, , 8.30am 5.00pm,. 15

16 HVRATSKI Ako Vam je potreban tuma, molimo nazovite Prevoditeljsku i tuma ku službu (TIS National), na telefon i tražite da Vas spoje sa Allianz, iji je telefonski broj , od ponedjeljka do petka, izme u 8.30am i 5.00pm. (TIS) (Allianz) " " :00 8: Thu jä 16

17 Contact details. Allianz Australia Limited (Compulsory Third Party) is located at Ground Floor, 89 Pirie Street, Adelaide. Other contact details are provided as follows: Phone: Fax: Postal Address: GPO Box 2198, ADELAIDE Website: Office Hours: 8:30 am to 5:00 pm, Monday to Friday 17

18 Allianz Australia Limited (Compulsory Third Party) is located at Ground Floor, 89 Pirie Street, Adelaide. Other contact details are provided as follows: Phone: Fax: Postal Address: GPO Box 2198, ADELAIDE Website: Office Hours: 8:30 am to 5:00 pm, Monday to Friday 18

Information for people injured in road crashes

Information for people injured in road crashes Information for people injured in road crashes What is CTP insurance? All South Australian drivers pay a CTP insurance premium when they register their vehicle. The CTP premium provides drivers and/or

More information

SA CTP PERSONAL INJURY CLAIM INFORMATION

SA CTP PERSONAL INJURY CLAIM INFORMATION SA CTP PERSONAL INJURY CLAIM INFORMATION Contents Introduction 3 How long do I have to make a claim? 3 Can I make a claim? 3 Who else might be involved in your claim? 3 What can I claim for? 4 How do I

More information

A GUIDE FOR PEOPLE INJURED IN A MOTOR VEHICLE ACCIDENT

A GUIDE FOR PEOPLE INJURED IN A MOTOR VEHICLE ACCIDENT A GUIDE FOR PEOPLE INJURED IN A MOTOR VEHICLE ACCIDENT CONTENTS General information 02 Early payment of expenses 03 The Accident Notification Form (ANF) 03 Who can make a claim Other driver or owner at

More information

Fatality Claim Form. South Australia Compulsory Third Party (CTP)

Fatality Claim Form. South Australia Compulsory Third Party (CTP) South Australia Compulsory Third Party (CTP) Fatality Claim Form This form is to be completed by any person who is claiming compensation as a result of a person s death in a motor vehicle accident (please

More information

Frequently Asked Questions: Compulsory Third-Party Insurance in the ACT

Frequently Asked Questions: Compulsory Third-Party Insurance in the ACT Frequently Asked Questions: Compulsory Third-Party Insurance in the ACT Who can claim? A CTP personal injury claim form may be lodged by: any person who has sustained personal injury as a result of a motor

More information

MAURICE BLACKBURN LAWYERS ROAD ACCIDENT INJURIES SOUTH AUSTRALIA

MAURICE BLACKBURN LAWYERS ROAD ACCIDENT INJURIES SOUTH AUSTRALIA MAURICE BLACKBURN LAWYERS ROAD ACCIDENT INJURIES SOUTH AUSTRALIA 02 MAURICE BLACKBURN YOU RE WORTH FIGHTING FOR. If you are hurt, injured, or are facing an unfair situation, you and your family shouldn

More information

Personal Injury Claim Information Guide A step-by-step guide to your Compulsory Third Party (CTP) insurance claim

Personal Injury Claim Information Guide A step-by-step guide to your Compulsory Third Party (CTP) insurance claim Personal Injury Claim Information Guide A step-by-step guide to your Compulsory Third Party (CTP) insurance claim AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance Compulsory Third Party (CTP)

More information

Personal Injury Claim Information Guide. A step-by-step guide to your Compulsory Third Party (CTP) insurance claim

Personal Injury Claim Information Guide. A step-by-step guide to your Compulsory Third Party (CTP) insurance claim Personal Injury Claim Information Guide A step-by-step guide to your Compulsory Third Party (CTP) insurance claim Compulsory Third Party (CTP) Personal Injury Claim. Your recovery is important to us If

More information

CLAIMS HANDLING GUIDELINES. for CTP Insurers

CLAIMS HANDLING GUIDELINES. for CTP Insurers CLAIMS HANDLING GUIDELINES for CTP Insurers Initially issued 2000 Reissued: 1 July 2004; 18 September 2006; 1 July 2008; 1 October 2008, 1 May 2014 INTRODUCTION The MAA Claims Handling Guidelines (the

More information

MAURICE BLACKBURN LAWYERS ROAD ACCIDENT INJURIES / MVA WESTERN AUSTRALIA

MAURICE BLACKBURN LAWYERS ROAD ACCIDENT INJURIES / MVA WESTERN AUSTRALIA MAURICE BLACKBURN LAWYERS ROAD ACCIDENT INJURIES / MVA WESTERN AUSTRALIA 02 MAURICE BLACKBURN YOU RE WORTH FIGHTING FOR. If you are hurt, injured, or are facing an unfair situation, you and your family

More information

Personal Injury Claim Pack. A guide to your compulsory third party (CTP) insurance claim

Personal Injury Claim Pack. A guide to your compulsory third party (CTP) insurance claim Personal Injury Claim Pack A guide to your compulsory third party (CTP) insurance claim Contents Snapshot of the CTP claims process... 2 Prior to lodging your claim... 2 Lodgement of your claim... 3 Processing

More information

A guide for. Requesting care. in the NSW Motor Accidents Scheme

A guide for. Requesting care. in the NSW Motor Accidents Scheme A guide for Requesting care in the NSW Motor Accidents Scheme MAA 2014 2 Contents 1. Introduction 2. Principles 3. The Compulsory Third Party insurance scheme How to check claim details Accident Notification

More information

Motor Accident Personal Injury Claim Form

Motor Accident Personal Injury Claim Form Motor Accident Personal Injury Claim Form HAVE YOU BEEN INJURED IN A MOTOR VEHICLE ACCIDENT? If you have been injured in a motor vehicle accident in New South Wales, you may be able to access benefits

More information

Application for Benefits under the Motor Accidents (Compensation) Act

Application for Benefits under the Motor Accidents (Compensation) Act Application for Benefits under the Motor Accidents (Compensation) Act Application for Benefits The MAC Act provides a wide range of benefits to compensate people injured in a motor vehicle accident for

More information

Application for Benefits under the Motor Accidents (Compensation) Act

Application for Benefits under the Motor Accidents (Compensation) Act Application for Benefits under the Motor Accidents (Compensation) Act Application for Benefits The MAC Act provides a wide range of benefits to compensate people injured in a motor vehicle accident for

More information

CTP AT-FAULT DRIVER POLICY. Help, when you re injured and you are at fault. at-fault driver. Edition 1 QLD

CTP AT-FAULT DRIVER POLICY. Help, when you re injured and you are at fault. at-fault driver. Edition 1 QLD CTP AT-FAULT DRIVER Help, when you re injured and you are at fault at-fault driver Edition 1 QLD Step three Most external review panels will only deal with your complaint if you have already exhausted

More information

CTP PERSONAL INJURY CLAIM INFORMATION KIT

CTP PERSONAL INJURY CLAIM INFORMATION KIT CTP PERSONAL INJURY CLAIM INFORMATION KIT Contents Your road to recovery starts here What should I do now? 4 What am I covered for? 5 How is my claim processed? 6 Problems or Disagreements 8 Finalising

More information

Application for Benefits under the Motor Accidents (Compensation) Act Fatal Accident Application

Application for Benefits under the Motor Accidents (Compensation) Act Fatal Accident Application Application for Benefits under the Motor Accidents (Compensation) Act Fatal Accident Application Losing a family member in a motor vehicle accident is a traumatic and difficult experience. The Motor Accidents

More information

MULTI-STATE WORKERS COMPENSATION GUIDANCE MATERIAL

MULTI-STATE WORKERS COMPENSATION GUIDANCE MATERIAL AUSTRALIAN CAPITAL TERRITORY When is a travel injury covered under Workers? Workers are covered for journeys arising out of or in the course of their employment, including: Between home and work Between

More information

Notice of Accident Claim Form

Notice of Accident Claim Form Insurer's Claim Reference Number Queensland Compulsory Third Party Insurance (CTP) tice of Accident Claim Form (n-fatal Injury) for accidents occurring on and after 1st October 2000 Motor Accident Insurance

More information

QLD. CTP At-fault Driver. Policy booklet

QLD. CTP At-fault Driver. Policy booklet QLD CTP At-fault Driver Policy booklet 01 Contents Your Compulsory Third Party At-fault Driver Policy 02 Definitions 03 At-fault driver cover 05 Specified injuries and benefits 06 Refusal of claims 07

More information

NSW & ACT. CTP At-fault Driver. Policy booklet

NSW & ACT. CTP At-fault Driver. Policy booklet NSW & ACT CTP At-fault Driver Policy booklet 01 Contents Your Compulsory Third Party At-fault Driver Policy 02 Definitions 03 At-fault driver cover 05 Specified injuries and benefits 06 Refusal of claims

More information

Notice of Accident Claim Form

Notice of Accident Claim Form Insurer s Claim Reference Number Queensland Compulsory Third Party Insurance (CTP) Notice of Accident Claim Form (Non-Fatal Injury) for accidents occurring on and after 1st October 2000 Motor Accident

More information

Motor Accidents Compensation

Motor Accidents Compensation Motor Accidents Compensation About MAC, the benefits and how to claim Information is current as at February 2012 Contact Us Phone: 1300 301 833, then choose Option 3 Monday to Friday: 8.30am 5.00pm Email:

More information

LAWYERS New South Wales & Victoria. A transport accident is an incident directly caused by a motor car or motor vehicle, a railway train, or a tram.

LAWYERS New South Wales & Victoria. A transport accident is an incident directly caused by a motor car or motor vehicle, a railway train, or a tram. LAWYERS New South Wales & Victoria Transport Accident Commission (TAC) Claims FREQUENTLY ASKED QUESTIONS What is a transport accident? A transport accident is an incident directly caused by a motor car

More information

understanding your household workers insurance policy A guide to your policy cover and conditions

understanding your household workers insurance policy A guide to your policy cover and conditions understanding your household workers insurance policy A guide to your policy cover and conditions HHWPG August 2014 contents About WorkCover Queensland 3 About your household workers insurance policy 3

More information

Motor Accident Notification Form (MANF)

Motor Accident Notification Form (MANF) Motor Accident tification Form (MANF) As prescribed under section 84(2)(a) of the Road Transport (Third-Party Insurance) Act 2008 For Compulsory Third-Party (CTP) Insurance Claims in the Australian Capital

More information

Accidents. Added motoring peace-of-mind. This is your AA Added Value for. Introduction. Membership Handbook

Accidents. Added motoring peace-of-mind. This is your AA Added Value for. Introduction. Membership Handbook Added motoring peace-of-mind This is your AA Added Value for Accidents Membership Handbook Introduction As a Member of the AA, you know you get so much more than the average roadside assistance service

More information

understanding your workplace personal injury insurance policy A guide to your policy cover and conditions

understanding your workplace personal injury insurance policy A guide to your policy cover and conditions understanding your workplace personal injury insurance policy A guide to your policy cover and conditions WPIIPG September 2013 contents About WorkCover Queensland 3 About your workplace personal injury

More information

Road to Recovery Rehabilitation following a motor vehicle accident

Road to Recovery Rehabilitation following a motor vehicle accident Road to Recovery Rehabilitation following a motor vehicle accident If you have been injured in a motor vehicle accident, rehabilitation may help you recover and move on with your life. Queensland Compulsory

More information

CEPU Representatives Guidelines Australia Post Workers Compensation

CEPU Representatives Guidelines Australia Post Workers Compensation CEPU Representatives Guidelines Australia Post Workers Compensation Introduction This Union Representatives Guide provides information on the following rights and entitlements of workers' compensation

More information

Motor Vehicle Accident Claims: What are your rights?

Motor Vehicle Accident Claims: What are your rights? Motor Vehicle Accident Claims: What are your rights? If you or a loved one has been seriously injured in a motor vehicle accident, there are a number of critical decisions that must be made. Who will care

More information

EWART PRICE SOLICITORS ROAD TRAFFIC ACCIDENTS - NOTES FOR CLAIMING FOR PERSONAL INJURY AND OTHER UNINSURED LOSSES

EWART PRICE SOLICITORS ROAD TRAFFIC ACCIDENTS - NOTES FOR CLAIMING FOR PERSONAL INJURY AND OTHER UNINSURED LOSSES E P EWART PRICE SOLICITORS ROAD TRAFFIC ACCIDENTS - NOTES FOR CLAIMING FOR PERSONAL INJURY AND OTHER UNINSURED LOSSES If you have been involved in a Road Traffic Accident as a driver or passenger we hope

More information

MAURICE BLACKBURN LAWYERS WORKCOVER SOUTH AUSTRALIA

MAURICE BLACKBURN LAWYERS WORKCOVER SOUTH AUSTRALIA MAURICE BLACKBURN LAWYERS WORKCOVER SOUTH AUSTRALIA 02 MAURICE BLACKBURN YOU RE WORTH FIGHTING FOR. If you are hurt, injured, or are facing an unfair situation, you and your family shouldn t have to suffer.

More information

Rehabilitation Providers

Rehabilitation Providers A guide for Rehabilitation Providers to providing treatment in the NSW Motor Accidents Scheme MAA 2014 2 Contents 1. Introduction 2. Principles of treatment 3. The Compulsory Third Party insurance scheme

More information

At Fault Driver Injury Insurance Policy

At Fault Driver Injury Insurance Policy At Fault Driver Injury Insurance Policy At RACQ Insurance we are here to help you protect the things that matter most By choosing RACQ Insurance as your Compulsory Third Party (CTP) insurer of your vehicle,

More information

Workers guide to workers compensation Guide

Workers guide to workers compensation Guide Workers guide to workers compensation Guide www.worksafe.nt.gov.au Disclaimer This publication contains information regarding workers rehabilitation and compensation. It includes some of your obligations

More information

Notice of Accident Claim Form

Notice of Accident Claim Form Insurer s Claim Reference Number Queensland Compulsory Third Party Insurance (CTP) Notice of Accident Claim Form (Fatal Injury) for accidents occurring on and after 1st October 2000 Motor Accident Insurance

More information

Claim Form. Journey Report Form. To be completed by Policyholder

Claim Form. Journey Report Form. To be completed by Policyholder This form must be accompanied by an Attending Physicians Statement, which can be obtained by telephoning any of our offices listed. By furnishing this Form the Company makes no admission of Liability or

More information

MOTOR VEHICLE COMPENSATION CLAIM SUCCESS

MOTOR VEHICLE COMPENSATION CLAIM SUCCESS MOTOR VEHICLE COMPENSATION CLAIM SUCCESS 6 WAYS TO RUIN YOUR MOTOR VEHICLE COMPENSATION CLAIM 6 WAYS TO RUIN YOUR MOTOR VEHICLE COMPENSATION CLAIM In this guide, we have outlined the 6 most common ways

More information

Just Car Third Party Property Damage Car Insurance Premium, Excesses & Claims Guide

Just Car Third Party Property Damage Car Insurance Premium, Excesses & Claims Guide Just Car Insurance Agency Pty Ltd. ABN 41 050 238 563. GPO Box 4663, Melbourne, Victoria 3001. 601 St Kilda Road, Melbourne, Victoria 3004. telephone 13 13 26 facsimile 1300 325 813 www.justcarinsurance.com.au

More information

PERSONAL ACCIDENT CLAIM FORM - MEMBERS

PERSONAL ACCIDENT CLAIM FORM - MEMBERS Pony Club Insurance Scheme PERSONAL ACCIDENT CLAIM FORM - MEMBERS Please read this page before completing the Claim Form Dear Member Thank you for your Claim Form request. This letter contains important

More information

MOTOR LEGAL EXPENSES POLICY WORDING TERMS OF COVER

MOTOR LEGAL EXPENSES POLICY WORDING TERMS OF COVER Motor Legal Expenses provides:- 24/7 Legal Advice Insurance for legal costs for certain types of disputes HELPLINE SERVICES Legal Helpline MOTOR LEGAL EXPENSES Use the 24 hour advisory service for telephone

More information

Victims of Crime Compensation

Victims of Crime Compensation Victims of Crime Compensation VICTIM SUPPORT SERVICE INC ORPORATED Victim Support Service... providing services statewide. Victim Support Service (VSS) is not qualified to offer legal advice. This brochure

More information

1.1 Australian Capital Territory 1.2 New South Wales 1.3 Northern Territory 1.4 Queensland

1.1 Australian Capital Territory 1.2 New South Wales 1.3 Northern Territory 1.4 Queensland Attachment C 1. Workers Compensation Schemes 1.1 Australian Capital Territory 1.2 New South Wales 1.3 Northern Territory 1.4 Queensland 1.5 South Australia 1.6 Tasmania 1.7 Victoria 1.8 Western Australia

More information

GIO Workers Compensation Australian Capital Territory

GIO Workers Compensation Australian Capital Territory GIO Workers Compensation Australian Capital Territory Employee s claim form Employer s policy number: Complete all questions fully and accurately, to ensure accurate decisions can be made about your claim.

More information

understanding your workers compensation accident insurance policy A guide to your policy cover and conditions

understanding your workers compensation accident insurance policy A guide to your policy cover and conditions understanding your workers compensation accident insurance policy A guide to your policy cover and conditions AIPG May 2015 contents About WorkCover Queensland 3 About your accident insurance policy 3

More information

Your People, Protected. Sports group Personal Accident Claim Form

Your People, Protected. Sports group Personal Accident Claim Form Your People, Protected Sports group Personal Accident Claim Form Sports group Personal Accident/Claim Form 2 Claim Form Dear Member, IMPORTANT INFORMATION, relevant to YOUR Claim, is contained on this

More information

PART D: PROSECUTION DETAILS

PART D: PROSECUTION DETAILS HOW TO COMPLETE YOUR CRIMINAL INJURIES COMPENSATION APPLICATION FORM PLEASE COMPLETE THE FORM USING DARK INK, AND ENSURE YOU KEEP A COPY OF YOUR APPLICATION FORM AND ALL YOUR DOCUMENTS. PART A: APPLICANT

More information

Credit Card Repayment Protection

Credit Card Repayment Protection Credit Card Repayment Protection Product Disclosure Statement and policy wording Effective 13 July 2015 1 Introducing Credit Card Repayment Protection. What is it? Credit Card Repayment Protection is insurance

More information

Flexi Loan Repayment Protection

Flexi Loan Repayment Protection Flexi Loan Repayment Protection Product Disclosure Statement and policy wording 1 Effective 13 July 2015 Introducing Flexi Loan Repayment Protection. What is it? Flexi Loan Repayment Protection is insurance

More information

www.einsurancegroup.co.uk Your Motor Legal Protection Policy Summary

www.einsurancegroup.co.uk Your Motor Legal Protection Policy Summary www.einsurancegroup.co.uk Your Motor Legal Protection Policy Summary Contents Motor Legal Protection Policy Summary...3 page 2 Motor Legal Protection Policy Summary This is a summary of your Motor Legal

More information

Helping you get things in order. Releasing funds and closing accounts for loved ones that have passed away

Helping you get things in order. Releasing funds and closing accounts for loved ones that have passed away Helping you get things in order Releasing funds and closing accounts for loved ones that have passed away We re here to help If you ve recently lost a family member or friend, we understand that this is

More information

Workers Compensation claim form

Workers Compensation claim form Form Workers Compensation claim form STOP - this form is available to be filled in electronically on the NT WorkSafe web site www.worksafe.nt.gov.au. Fill the form in electronically then save a copy to

More information

MAURICE BLACKBURN LAWYERS WORKERS COMPENSATION NSW

MAURICE BLACKBURN LAWYERS WORKERS COMPENSATION NSW MAURICE BLACKBURN LAWYERS WORKERS COMPENSATION NSW 02 MAURICE BLACKBURN YOU RE WORTH FIGHTING FOR. If you are hurt, injured, or are facing an unfair situation, you and your family shouldn t have to suffer.

More information

Prepared by: Barton L. Slavin, Esq. 212-233-1010 Web site: www.nycattorneys.com

Prepared by: Barton L. Slavin, Esq. 212-233-1010 Web site: www.nycattorneys.com Prepared by: Barton L. Slavin, Esq. 1. Identify Insurance Company - On the Police Report there is a three digit code that identifies the insurance company for a vehicle. The following link will take you

More information

YOUNG PEOPLE INVOLVED IN ROAD CRASHES IN SOUTH AUSTRALIA

YOUNG PEOPLE INVOLVED IN ROAD CRASHES IN SOUTH AUSTRALIA FACT SHEET YOUNG PEOPLE INVOLVED IN ROAD CRASHES IN SOUTH AUSTRALIA July 2013 Despite steady falls in South Australia s road toll over the past decade, young drivers continue to be overrepresented in road

More information

Personal Accident Claim Form

Personal Accident Claim Form Corporate Services Network ABN 30 074 864 609 Level 2 280 George Street Sydney NSW 2000 Ph: 61 2 8256 1770 Fax: 61 2 8256 1775 www.csnet.com.au e-mail: claims@csnet.com.au Personal Accident Claim Form

More information

Compulsory Third Party Personal Injury Claim Notification

Compulsory Third Party Personal Injury Claim Notification Compulsory Third Party Personal Injury Claim tification To claim damages for personal injuries in a motor vehicle accident, please complete this form in BLOCK LETTERS 2. Do you have a solicitor acting

More information

Bicycle Insurance. Product Disclosure Statement. Table of contents

Bicycle Insurance. Product Disclosure Statement. Table of contents Page 1 of 9 Product Disclosure Statement (Swann Insurance) Promoter: Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681 trading as NRMA Insurance (NRMA Insurance) Preparation date: 12

More information

Can the TAC help you?

Can the TAC help you? Can the TAC help you? The Transport Accident Commission (TAC) pays for the reasonable cost of treatment and support services for people injured in transport accidents. You may be eligible to have medical

More information

Motor Accidents Compensation

Motor Accidents Compensation Motor Accidents Compensation Medical, Hospital and Rehabilitation Benefits Information is current as at February 2012 Medical, Hospital and Rehabilitation Benefits TIO will pay for medical treatment and

More information

Personal Accident Voluntary Workers

Personal Accident Voluntary Workers Personal Accident Voluntary Workers Claim Form Claim Number (office use only) How to Get Quick Action on Your Claim Form Catholic Church Insurance Limited will act on your claim as soon as we receive this

More information

See page 2 for. a quick summary. Motor Insurance. Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS)

See page 2 for. a quick summary. Motor Insurance. Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS) See page 2 for a quick summary. Motor Insurance Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS) This Product Disclosure Statement and Policy Booklet (PDS) was prepared on 16 March

More information

Community Underwriting Personal Accident Claim Form

Community Underwriting Personal Accident Claim Form Community Underwriting Personal Accident Claim Form About the Insurer Calliden Insurance Limited (us/we/our) (Calliden) (ABN 47 004 125 268, AFSL 234438) is the insurer and issuer of this Policy and this

More information

Sports Injury Claim Form

Sports Injury Claim Form Sports Underwriting Australia Sports Underwriting Australia Claims Department PO E: liabilityclaims@sportsunderwriting.com.au Box 2717, Taren Point. NSW, 2229 Tel: Ph: 1300 363 363 413 413 Fax: +61 2 9524

More information

My Legal Expenses Cover...

My Legal Expenses Cover... My Legal Expenses Cover... Motor Legal Expenses Welcome Thank you for insuring with 1 ST CENTRAL. We are delighted to welcome you as a valued client. Please take time to read your policy and contact us

More information

Part 1 To be filled in by the worker. The following information is provided as guidance to workers filling in Part 1.

Part 1 To be filled in by the worker. The following information is provided as guidance to workers filling in Part 1. Form Workers compensation claim form Part 1 To be filled in by the worker. The following information is provided as guidance to workers filling in Part 1. Notify your employer of your injury or disease

More information

Common law in the workers compensation setting

Common law in the workers compensation setting Briefing paper for SISA members February 2014 Contact: Robin Shaw, Manager Ph: 8232 0100 Fax: 8232 0113 Mobile: 0411 778 251 Contents Introduction... 1 Background... 2 Common law in the workers compensation

More information

Ambulance and Cash Back Cover Only available to residents of NSW & ACT

Ambulance and Cash Back Cover Only available to residents of NSW & ACT Ambulance and Cash Back Cover Only available to residents of NSW & ACT Valid until 2014-15 Reg. No. 5037 Health Insurance Australia 2009-2014 April 2015 Why you need Ambulance and Cash Back Cover The cover

More information

ILARS POLICY Funding of applications by injured workers to pursue claims for compensation

ILARS POLICY Funding of applications by injured workers to pursue claims for compensation ILARS POLICY Funding of applications by injured workers to pursue claims for compensation Introduction This WIRO Policy sets out the circumstances in which the Independent Legal Assistance and Review Service

More information

PERSONAL INJURY CLAIMS

PERSONAL INJURY CLAIMS PERSONAL INJURY CLAIMS Frequently Asked Questions 1. Can I make a claim? If you have been injured because of the fault of someone else, you can claim financial compensation through the courts. The dependants

More information

PERSONAL INJURY CLAIMS

PERSONAL INJURY CLAIMS PERSONAL INJURY CLAIMS Gain expert help & advice ERWIN SOHN Partner Great People. Great Results. Great Value. 2 Personal injury claims If you are injured in an accident, your first priority is access to

More information

Just Car Comprehensive Car Insurance Premium, Excesses & Claims Guide

Just Car Comprehensive Car Insurance Premium, Excesses & Claims Guide Just Car Insurance Agency Pty Ltd. ABN 41 050 238 563. GPO Box 4663, Melbourne, Victoria 3001. 601 St Kilda Road, Melbourne, Victoria 3004. telephone 13 13 26 facsimile 1300 325 813 www.justcarinsurance.com.au

More information

CTP At-fault Driver Policy Claim form

CTP At-fault Driver Policy Claim form CTP At-fault Driver Policy Claim form Complete this form if the at-fault driver was driving a vehicle with NRMA CTP Insurance and sustained an injury listed in question 5 or died as a result of the motor

More information

CUR CURWOODS NEWS BULLETIN. Motor Accident Injuries Amendment Bill 2013

CUR CURWOODS NEWS BULLETIN. Motor Accident Injuries Amendment Bill 2013 CUR CURWOODS NEWS BULLETIN Background Motor Accident Injuries Amendment Bill 2013 The NSW State Government tabled the Motor Accident Injuries Amendment Bill 2013 (the Bill) on 9 May 2013. The Bill purports

More information

VICTORIAN TRANSPORT ACCIDENT CLAIMS - A GUIDE TO YOUR ENTITLEMENTS

VICTORIAN TRANSPORT ACCIDENT CLAIMS - A GUIDE TO YOUR ENTITLEMENTS VICTORIAN TRANSPORT ACCIDENT CLAIMS - A GUIDE TO YOUR ENTITLEMENTS This guide includes the following: What is a transport accident? Who is the TAC? How do I make a claim? When will I know if my claim has

More information

Form Workers compensation claim form

Form Workers compensation claim form Form Workers compensation claim form Part 1 of the claim form is to be filled in by the worker. The following information is provided as guidance to workers filling in Part 1 Notify your employer of your

More information

Claim for Compensation for a Work-related death

Claim for Compensation for a Work-related death SRC 184 (March 2014) Claim for Compensation for a Work-related death This form is to be completed if you wish to claim compensation under the Safety, Rehabilitation and Compensation Act 1988 (SRC Act)

More information

GENERAL INSURANCE CODE OF PRACTICE 2014

GENERAL INSURANCE CODE OF PRACTICE 2014 GENERAL INSURANCE CODE OF PRACTICE 2014 1 INTRODUCTION 1.1 We have entered into this voluntary Code with the Insurance Council of Australia (ICA). This Code commits us to uphold minimum standards when

More information

Combined Insurance Claim Form

Combined Insurance Claim Form Combined Insurance Claim Form Important Instructions on How to Complete the Attached Claim Form and How We Assess Claims Please read these important instructions on how to complete the attached Claim Form.

More information

Motor Legal Expenses Insurance

Motor Legal Expenses Insurance Motor Legal Expenses Insurance Motor Legal Expenses Insurance Policy Document Certificate of Insurance This insurance is underwritten by Inter Partner Assistance SA and managed on their behalf by Arc Legal

More information

Co-operative Insurance Motor Legal Expenses and Legal Helpline

Co-operative Insurance Motor Legal Expenses and Legal Helpline Co-operative Insurance Motor Legal Expenses and Legal Helpline Welcome to The Co-operative Insurance Motor Legal Expenses cover, which is included as standard as part of the Van Insurance from The Co-operative

More information

PERSONAL INJURY CLAIM FORM

PERSONAL INJURY CLAIM FORM Office use only Policy Number: 0028332 Claim Number: s PERSONAL INJURY CLAIM FORM INSURANCE BROKER FOR TENPIN BOWLING AUSTRALIA V-Insurance Group Pty Ltd Authorised Representative No. 432898 an authorised

More information

Western Australian CTP Scheme Update

Western Australian CTP Scheme Update Western Australian CTP Scheme Update Fab Zanuttigh - Manager Motor Vehicle Personal Injury Division Insurance Commission of Western Australia April 2007 INTRODUCTION Highlights - Past 3 Financial Years

More information

NRMA Motor Insurance Premium, Excess, Discounts & Helpline Benefits NSW, QLD, ACT & TAS

NRMA Motor Insurance Premium, Excess, Discounts & Helpline Benefits NSW, QLD, ACT & TAS 1 NRMA Insurance Premium, Excess, Discounts & Helpline Benefits NSW, QLD, ACT & TAS This NRMA Insurance Premium, Excess and Discounts Guide should be read with the NRMA Insurance Product Disclosure Statement

More information

WHOLE BALANCE TRANSFER TO A KIWISAVER SCHEME

WHOLE BALANCE TRANSFER TO A KIWISAVER SCHEME WHOLE BALANCE TRANSFER TO A KIWISAVER SCHEME Issued 1 November 2014 Please use this form to transfer your whole superannuation balance to a KiwiSaver scheme. Transferring only part of your superannuation

More information

WORKPLACE COMPENSATION CLAIM SUCCESS

WORKPLACE COMPENSATION CLAIM SUCCESS WORKPLACE COMPENSATION CLAIM SUCCESS THE 6 MOST COMMON MISTAKES PEOPLE MAKE What you need to know to make sure you have a successful workers compensation claim At Garling & Co we have dealt with thousands

More information

Severe Injury Advice Form

Severe Injury Advice Form If you need help to fill in this form or have any questions, call the Lifetime Care and Support Commissioner of the ACT on 13 22 81 or visit www.act.gov.au/ltcss Please provide as much information as you

More information

Corporate Travel and Personal Accident Insurance Claim Form

Corporate Travel and Personal Accident Insurance Claim Form Claim : Corporate Travel and Personal Accident Insurance Claim Form Prepared 03 January 2012 Email: travelclaims@allianzassistance.com.au Phone: 1800 761 173 Facsimile: (07) 3360 7854 Postal Address: Claims

More information

Motor Accidents Compensation Amendment (Claims and Dispute Resolution) Act 2007 No 95

Motor Accidents Compensation Amendment (Claims and Dispute Resolution) Act 2007 No 95 New South Wales Motor Accidents Compensation Amendment (Claims and Dispute Contents Page 1 Name of Act 2 2 Commencement 2 3 Amendment of Motor Accidents Compensation Act 1999 No 41 2 4 Amendment of other

More information

SPORTING ACCIDENT CLAIM FORM Please read this page first before completing the Claim Form

SPORTING ACCIDENT CLAIM FORM Please read this page first before completing the Claim Form SPORTING ACCIDENT CLAIM FORM Please read this page first before completing the Claim Form Dear Member, Thank you for your Claim Form request. This letter contains important information relevant to your

More information

Personal Injury Claim Form

Personal Injury Claim Form ACE Insurance Limited ACE Insurance Limited GPO Box 4065 1800 688 640 claims phone ABN 23 001 642 020 ABN 23 001 642 020 Sydney NSW 2001 1800 815 675 customer service The ACE Building GPO Box 4065 Claims

More information

MAIC GUIDELINES FOR COMPULSORY THIRD PARTY (CTP) REHABILITATION PROVIDERS. Revised and updated 2012

MAIC GUIDELINES FOR COMPULSORY THIRD PARTY (CTP) REHABILITATION PROVIDERS. Revised and updated 2012 MAIC GUIDELINES FOR COMPULSORY THIRD PARTY (CTP) REHABILITATION PROVIDERS Revised and updated 2012 MOTOR ACCIDENT INSURANCE COMMISSION (MAIC) GUIDELINES FOR COMPULSORY THIRD PARTY (CTP) REHABILITATION

More information

South Australia. WRONGS (LIABILITY AND DAMAGES FOR PERSONAL INJURy) AMENDMENT ACT 2002

South Australia. WRONGS (LIABILITY AND DAMAGES FOR PERSONAL INJURy) AMENDMENT ACT 2002 South Australia ANNo QUINQUAGESIMO PRIMo BLlZABETHAE n REGINAE A.D.2002 WRONGS (LIABILITY AND DAMAGES FOR PERSONAL INJURy) AMENDMENT ACT 2002 No. 21 of 2002 [Assented to 12 September 2002] An Act to amend

More information

ASBESTOS COMPENSATION IN TASMANIA A GUIDE

ASBESTOS COMPENSATION IN TASMANIA A GUIDE ASBESTOS COMPENSATION IN TASMANIA A GUIDE Asbestos Compensation Commissioner Disclaimer This information is for guidance only and not to be taken as an expression of the law. It should be read in conjunction

More information

Personal Injury Claim Form

Personal Injury Claim Form ACE Insurance Limited ABN 23 001 642 020 28-34 O Connell Street Sydney NSW 2000 Australia GPO Box 4065 Sydney NSW 2001 Australia 1800 688 640 claims phone 1800 815 675 customer service +61 (0)2 9231 3697

More information

Expansion of Motor Injury Insurance Cover Catastrophic Injury Support scheme

Expansion of Motor Injury Insurance Cover Catastrophic Injury Support scheme Frequently Asked Questions Expansion of Motor Injury Insurance Cover Catastrophic Injury Support scheme What is the Catastrophic Injury Support scheme? What is a catastrophic injury? A catastrophic injury

More information

HOME INDEMNITY INSURANCE - WESTERN AUSTRALIA POLICY WORDING

HOME INDEMNITY INSURANCE - WESTERN AUSTRALIA POLICY WORDING POLICY WORDING HOME INDEMNITY INSURANCE - WESTERN AUSTRALIA GLA RBUA HII WA 1115 Effective Date 01 November 2015 Welcome to the financial security provided by RBUA Home Indemnity Insurance - Western Australia

More information

Your Van Insurance Motor Legal Protection Policy Booklet

Your Van Insurance Motor Legal Protection Policy Booklet Your Van Insurance Motor Legal Protection Policy Booklet Contents Motor Legal Protection Insurance...3 Motor Legal Expenses...3 Helpline Services...3 Motor Legal Expenses Policy Summary...4 Cancellation

More information