Legal insights
Plain-language guides to your rights.
How each kind of claim works in Queensland, what the deadlines are and what to expect, with sources to the legislation and regulators.
61 guides
Workplace injuries · 6 min readProposed WorkCover changes for psychological injury in Queensland: what the 2026 Bill saysA Bill before the Queensland Parliament proposes changes to WorkCover claims for psychological injury. What the law says today, what the Bill would change, and when it could apply.
Workplace injuries · 6 min readIndustrial deafness and noise-induced hearing loss: WorkCover claims in QueenslandHearing lost slowly to years of workplace noise is treated differently from other work injuries in Queensland. This guide covers who can claim, the five-year rule, how hearing is assessed, the 5% deduction, tinnitus and whether damages are available.
Workplace injuries · 8 min readWorkCover permanent impairment lump sums in Queensland: how the DPI and the statutory formula workThe law turns the permanent effect of a work injury into a percentage, and the percentage into a lump sum. How the assessment is done, the formula in the Regulation, and the additional lump sums for more serious injuries.
Workplace injuries · 6 min readHow to lodge a WorkCover claim in Queensland: the application, the work capacity certificate and what happens nextA WorkCover claim is an application in the approved form, lodged with the insurer and supported by a work capacity certificate from a doctor. How to lodge it, the time limits, and what happens after it goes in.
Motor vehicle claims · 6 min readWhat is CTP insurance in Queensland? What it covers, what it doesn't, and how it differs from comprehensive and third party property coverCTP is the compulsory injury insurance paid with your registration. It covers people injured by a vehicle's negligent driving, not damage to cars, and it is not the same as comprehensive or third party property cover.
TPD & insurance · 3 min readTPD claim declined? Internal review, AFCA and court, step by stepA declined TPD claim is a decision that can be reviewed. The steps after a decline, what each one looks at, and the time limits that apply.
Personal injury claims · 5 min readInjured in Queensland on a visa: can you claim compensation?Students, working holiday makers and other temporary visa holders hurt in Queensland: how CTP, WorkCover and public liability claims apply, and deadlines.
Workplace injuries · 5 min readWill a WorkCover claim hurt my employer? What actually happens when a worker lodgesMany injured workers hold off claiming because they like their boss. This guide sets out, without taking sides, who pays what when a WorkCover claim is lodged, how the employer's premium is affected, what the employer is required to do, and what the law leaves to the worker's own choice.
Motor vehicle claims · 4 min readDoes a mobility scooter have CTP insurance in Queensland? Registration, cover and claimsSince Queensland moved to free registration for motorised mobility devices, the answer is yes, and it matters both ways: for the user who is hit by a car, and for the pedestrian a scooter knocks down.
Motor vehicle claims · 4 min readCTP rehabilitation funding in Queensland: what the insurer must pay for, and whenThe CTP insurer's duty to fund your treatment starts long before settlement. The standards, the 10-day and 14-day response rules, what counts as reasonable, and what to do when a request is refused.
TPD & insurance · 3 min readIs a TPD payout taxed? How a disability benefit from super is treatedThe insurer's payment lands in your super account, and what you pay in tax depends on how and when you take it out. The tax-free uplift, the components, and the decision to make before withdrawing.
Motor vehicle claims · 5 min readHow much compensation for a car accident in Queensland? How the amount is actually worked outThere is no average payout and no calculator that works. There is a method, fixed by legislation, and once you know it you can see what an offer has left out.
Motor vehicle claims · 4 min readClaiming CTP without a lawyer: what the scheme's own rules and figures tell youYou are entitled to run a CTP claim yourself, and the regulator now sets standards for how insurers must treat you if you do. Whether it is wise depends on what is at stake.
Motor vehicle claims · 3 min readHow long after a car accident can you claim in Queensland?Three years to go to court, but nine months to give notice, one month after seeing a lawyer, and three months for a hit-and-run. The dates, from the Act, and what happens if you have missed one.
Motor vehicle claims · 3 min readCatastrophic injuries on Queensland roads: NIISQ and the CTP claim, side by sideSince 2016, the most serious road injuries are covered for lifetime care regardless of fault. What NIISQ provides, how it fits with a CTP claim, and the choice that has to be made.
Motor vehicle claims · 3 min readI caused the accident. Can I claim anything for my own injuries in Queensland?CTP does not cover the at-fault driver. Four other things might: NIISQ, WorkCover, super insurance and your own policies. And 'at fault' is often less final than it first appears.
Motor vehicle claims · 4 min readDrink-driving accidents: how alcohol affects a CTP claim in QueenslandA drunk driver who injures you does not change your right to claim. Your own intoxication, or getting into a car with a drunk driver, can reduce it. Here is what the Civil Liability Act actually says.
Motor vehicle claims · 3 min readThe CTP insurer has refused treatment your doctor recommended. What now?Once liability is admitted, funding reasonable rehabilitation is the insurer's legal obligation, not a favour. How the obligation works and how a refusal is challenged.
Motor vehicle claims · 3 min readMotorcycle accident claims in Queensland: what riders and pillions can claimRiders are the most exposed people on the road and the most likely to be blamed. This guide covers CTP claims for riders and pillion passengers, the 'I didn't see him' defence, protective gear and how fault is really decided.
Motor vehicle claims · 3 min readCyclist hit by a car in Queensland: your compensation rightsCyclists do not carry CTP insurance, but they are covered by it. If a driver hits you, doors you or forces you off the road, the driver's CTP insurer is who you claim against. Hit-and-runs are covered too.
Motor vehicle claims · 4 min readWhiplash and soft-tissue injuries: real injuries, real claims, and why they are undervaluedThe most common injury in rear-end crashes is also the one insurers discount most. How whiplash is assessed in Queensland and what decides the outcome.
Motor vehicle claims · 3 min readPedestrian hit by a car in Queensland: how the compensation claim worksPedestrians are covered by the driver's CTP insurance. This guide explains who you claim against, what happens if you were crossing outside a crossing, and what to do when the driver leaves the scene.
Motor vehicle claims · 3 min readInjured in an Uber or rideshare accident in Queensland? Who you claim againstRideshare passengers, other road users hit by a rideshare car, and rideshare drivers themselves all have different paths. This guide explains how CTP applies to booked hire vehicles and where drivers stand.
Motor vehicle claims · 4 min readInjured as a passenger: who you claim against, even when the driver is familyPassengers have the strongest position in the CTP scheme, because they are almost never at fault. The awkward part is claiming against someone you know, and the answer is that you are not.
Public liability · 3 min readInjured on a bus, train or at a station in Queensland: which claim appliesA fall when a bus brakes hard is a CTP claim. A fall on a wet platform is a public liability claim. The two run under different Acts with different steps, and getting the right one from the start matters.
Motor vehicle claims · 3 min readTruck accident claims in Queensland: injured by or while driving a heavy vehicleHeavy vehicle crashes involve more parties than a car accident: the driver, the operator, the scheduler, the loader. This guide explains the CTP claim, the chain-of-responsibility evidence, and the truck driver's own position.
Motor vehicle claims · 3 min readHit by a driver who fled, or by an unregistered car: Nominal Defendant claimsYou can still claim when there is no insurer to claim against. The Nominal Defendant stands in, but its deadlines are the shortest in Queensland injury law.
Workplace injuries · 3 min readBack injury at work in Queensland: WorkCover, degeneration and damagesBack injuries are the most common serious work injury and the most argued over. This guide covers lifting injuries, aggravation of existing degeneration, how permanent impairment is assessed and when a damages claim is worth pursuing.
Motor vehicle claims · 3 min readE-scooter accidents in Queensland: who pays when there is no CTP insuranceCompliant e-scooters and e-bikes are not registered and carry no CTP. What that means if you were hit by a car while riding one, hit by a rider while walking, or hurt on a hire scooter.
Workplace injuries · 3 min readWorkplace bullying compensation in Queensland: WorkCover, stop-bullying orders and damagesBullying that causes a diagnosed psychological injury can be compensated through WorkCover, but the 'reasonable management action' exclusion is where most claims are fought. This guide explains the tests, the evidence and the other remedies.
Motor vehicle claims · 4 min readHow a CTP claim works in Queensland, step by stepFrom the Notice of Accident Claim to the compulsory conference, what the Motor Accident Insurance Act requires of you and of the insurer at each stage.
Workplace injuries · 3 min readInjured on a construction site in Queensland: WorkCover, principal contractors and labour hireBuilding sites have layers of employers, contractors and hosts, and an injured worker often has claims against more than one of them. This guide explains who pays what, and why the labour-hire worker's position is different.
Motor vehicle claims · 3 min readInjured by a trailer or caravan: which CTP insurer pays in QueenslandTrailers do not carry their own CTP policy. The towing vehicle's insurance covers them, with one exception for heavy trailers. What that means for a claim.
Workplace injuries · 3 min readHow long does a WorkCover claim take in Queensland?The statutory decision has a 20-business-day clock. Everything after that depends on your recovery. This guide sets out each stage, the timeframes the Act fixes, and what a common law claim adds.
Motor vehicle claims · 4 min readWhat to do after a car accident in Queensland: the first 48 hoursThe steps that protect your health, satisfy the CTP scheme's requirements and preserve the evidence, in the order to take them.
Personal injury claims · 3 min readIndependent medical examinations in Queensland injury claims: what to expect and your rightsInsurers are entitled to have you examined by a doctor of their choosing. The examination is not treatment, the doctor is not on your side, and what you say and do is evidence. Here is how to approach it.
Motor vehicle claims · 3 min readInterstate accidents: a Queensland driver hurt elsewhere, or an interstate car in QueenslandWhich state's scheme applies depends on where the accident happened and where the at-fault vehicle is registered. The rules, the no-fault states, and where to send the claim.
Public liability · 4 min readDog attack compensation in Queensland: who is liable and how to claimA dog owner who fails to control their dog can be liable for the injuries it causes. This guide explains how liability is established in Queensland, what the Animal Management Act adds, whose insurance pays, and how the claim runs.
Personal injury claims · 4 min readEvidence: what to keep from day one, and what can damage your claimClaims are won on records, not memories. What to write down, what to photograph, what to keep, and why your social media accounts are now part of the evidence.
Public liability · 3 min readGym and sport injuries in Queensland: does a waiver stop you claiming?Gyms, sporting clubs and adventure operators all use waivers, and the law gives them real protection for the risks inherent in the activity. It does not protect them from their own carelessness in the way most people assume. Here is where the line sits.
Motor vehicle claims · 3 min readAccidents involving an unregistered vehicle: what happens to the injured person, and to the driverThe injured person still gets compensated. The owner and driver of the unregistered vehicle can end up paying for it personally. Both sides of an uninsured accident, from the Act.
Public liability · 4 min readInjured in a rental property in Queensland: can a tenant or visitor claim?Landlords must keep rental premises in good repair and fit to live in, and a tenant or visitor injured by a defect the landlord should have fixed may have a claim. Body corporate common property and property managers are separate defendants.
Personal injury claims · 4 min readHow long does a personal injury claim take, and what sets the paceMost Queensland injury claims resolve in one to two years. The timing is set by your recovery and by a legislated sequence of steps, not by how hard anyone pushes.
TPD & insurance · 3 min readIncome protection through super: how to claim when you can't workMany Australians hold income protection inside their super without knowing it. It pays a monthly benefit while you are unable to work through injury or illness, whether or not anyone was at fault. This guide explains the definitions, waiting periods, offsets and how to claim.
TPD & insurance · 3 min readTPD claims for mental health conditions: what insurers look forDepression, PTSD, anxiety and other psychiatric conditions can support a TPD claim if they stop you working permanently. These claims are decided on medical evidence and treatment history, and this guide explains what a strong claim looks like.
Personal injury claims · 4 min readNo win, no fee: what it means, what it doesn't, and what to ask before you signEvery Queensland injury firm offers it, but the agreements are not the same. Four questions separate a fair one from one that can leave you with a bill.
Personal injury claims · 4 min readWhen someone dies in an accident in Queensland: dependency claims, WorkCover death benefits and superA family that loses a breadwinner to a road, work or other accident has several sources of compensation, each with its own rules. This guide sets out the wrongful death claim, WorkCover death benefits, super death benefits and life cover, and how they fit together.
Personal injury claims · 4 min readMedicare and Centrelink refunds from your compensation: what comes out of a settlementTwo Commonwealth agencies have a claim on part of most injury settlements. Medicare recovers the benefits it paid for accident-related treatment, and Centrelink recovers payments made while you were injured and can impose a preclusion period. Here is how both work.
Personal injury claims · 5 min readWhat compensation can cover: the heads of damage explainedCompensation is not one number. It is a set of separate amounts, each with its own rules. Here is what each one is, and where Queensland law caps or limits it.
Personal injury claims · 4 min readHow personal injury claims work in Queensland: the four pathwaysQueensland does not have one injury compensation system. It has four, each with its own insurer, forms and deadlines. Here is how to tell which one applies to you.
TPD & insurance · 4 min readTPD claims through your super: the cover most people don't know they haveMost Australian super accounts include total and permanent disability insurance by default. How to find it, what it pays, how a claim is assessed, and what to do if it is declined.
Workplace injuries · 3 min readYour job after a WorkCover claim: what your employer can and cannot doFear of losing the job stops more claims than any other single thing. The protections in the Queensland scheme, what they cover, and what to do if they are breached.
Workplace injuries · 4 min readPaid on an ABN, through labour hire, or as a 'contractor': are you covered by WorkCover?The label on your arrangement is not what decides it. How Queensland's scheme defines a worker, and why many contractors are covered without knowing it.
Workplace injuries · 4 min readHurt on the way to or from work: journey claims, and the CTP claim beside themQueensland still covers the daily commute under workers' compensation. When a journey injury involves another driver, a second and often larger claim opens up.
Workplace injuries · 4 min readPsychological injury at work: what the scheme covers, and the exclusion insurers rely onAnxiety, depression and PTSD caused by work are compensable in Queensland. The test, the reasonable management action exclusion, and the evidence that decides these claims.
Workplace injuries · 4 min readWorkCover rejected your claim, or stopped your payments. The review path, and its deadlines.A rejection is a decision, and decisions can be reviewed. The three-month review, the 20-business-day appeal, and what changes the outcome.
Workplace injuries · 4 min readThe Notice of Assessment has arrived with a lump sum offer. Read this before you sign.For most injured workers it is the single most consequential document in the claim. What it says, the 20 per cent rule, and the 20 business days you have.
Workplace injuries · 3 min readWorkCover weekly payments: how much, for how long, and when they step downWeekly compensation is not your full wage, and it does not stay at the same level. The percentages, the step-downs and the five-year limit, from the scheme's own rules.
Workplace injuries · 4 min readTwo claims, not one: the statutory WorkCover claim and the damages claim explainedQueensland's scheme has two layers that most injured workers only discover one of. What each covers, how they interact, and why the first can quietly close the second.
Workplace injuries · 4 min readInjured at work in Queensland: the first week, step by stepReport it, see a doctor, lodge the claim. Three steps, in that order, and the reasons each one protects rights you may not need for a year.
Public liability · 4 min readSlip, trip and fall claims in Queensland: shopping centres, footpaths and other people's propertyA fall is only a claim if someone should have prevented it. What has to be proved, who pays, the nine-month notice deadline, and the evidence that decides these cases.
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