Injured in a car accident?
- Get the details of the other parties and vehicles involved
- Get the details of any third-party witnesses at the scene
- Call the police and ask for an event number (NSW) or QP number (Queensland)
- Seek medical assistance if required
- Lodge your claim as soon as possible.
Lodging your claim
If you're injured in a car accident, you may lodge a Compulsory Third Party (CTP) insurance claim with QBE if:
- You've been injured in an accident where a QBE CTP policyholder was determined to be totally or partially at-fault
- You're a QBE CTP insurance policyholder and have suffered a ‘serious injury' as a driver in an accident
- You're a QBE CTP insurance policyholder in NSW and suffered an injury as a driver in an accident where you were deemed to be at-fault (limited cover applies)
You should then send us your completed claim form to:
Post: GPO Box 7037, Sydney, NSW 2000
Fax (NSW): (02) 9375 4583
Fax (QLD): (07) 3031 8545
Managing your claim
We'll investigate the circumstances of the accident and tell you if you're covered and whether we require any further information regarding the accident or your injuries.
If your claim is accepted, we'll cover all reasonable and necessary medical expenses.
Managing your treatment
As a condition of your cover we'll need to approve any medical and rehabilitation services before they commence. We'll then work with your treatment provider and arrange payment directly with them. Any services provided by a public hospital or an ambulance immediately following the accident should also be covered by the CTP Insurance and you'll not be charged for them.
Please remember to keep any invoices and receipts from treatment providers and send us a copy.
Settling your claim
Finalising and closing your claim may involve a settlement and this will include:
- Cover for any outstanding rehabilitation services, including medical, attendant care, travel, and any relevant out of pocket expenses
- Cover for future reasonable and necessary medical, rehabilitation and care expenses
- Compensation and/or loss of income payments.
Please ensure you identify and receive payment for all reasonable rehabilitation expenses as we won't be able to provide further payment once you're claim is finalised.
If you're unsure whether an expense is covered under the CTP policy, please contact your state regulatory authority
Compensation for relatives
If you’re a close relative (or executor) of someone who died in a car accident you may be able to claim for financial losses caused by their death.