Motor Vehicle Injury Claims (CTP Claims) – Summary
Motor Vehicle accidents are an everyday occurrence but sometimes their effects can totally change your lifestyle. These claims are usually brought against the Compulsory Third Party (CTP) Insurer of the vehicle, no matter who was driving the vehicle, e.g. spouse, friend, son, daughter etc.
Provided we can prove the other driver was at fault, we can force the CTP insurer to compensate you for your injuries.
Injuries may include, for example:
- whiplash (neck/cervical spine strain)
- broken or fractured bones
- chronic pain
- lacerations and scarring
- psychological consequences such as depression, anxiety or PTSD
Note: If you have lost a loved one due to a car accident caused by someone else, we can also assist you with a claim for dependency to cover funeral expenses and loss of future expected income. Our lawyers can also help you get compensation for the damage to your vehicle.
Car Accident Lawyers – No Win No Fee
If you’ve been the victim of a car accident and are thinking about making a compensation claim, the lawyers at Roche Legal are ready to give you free initial advice over the phone. We will instantly let you know if we think that you will win your personal injury claim.
If we believe you will win your claim, we will offer you legal representation on a No Win No Fee basis.
Strict time limits apply to making CTP claims, so do not delay.
Don’t Make Your CTP Claim Directly With The Insurer
Damages can be substantial when claiming from the at-fault driver’s CTP policy. The courts only allow modest damages for pain and suffering but large awards can be made for the loss of future earnings. Because of this, the CTP insurers always defend claims strenuously. It is critical to not attempt to negotiate a settlement yourself to avoid being taken advantage of – especially if you are unable to return to work because of your injuries.
On top of this, publicly available statistics prove that using a lawyer for your CTP claim results in more than 10 times the compensation amount. See our article on the importance of not self-representing.
We have received many phone calls from people injured in a motor vehicle accident who submitted their own CTP claim. Sadly, many times the injured person had already accepted the insurer’s early offer of compensation which turned out to be inadequate.
If an insurer is aware that you are not legally represented, any offer of compensation they make to you will almost certainly be one that is taking advantage of you. We have seen people who’ve sustained serious injuries in car accidents accept direct offers of $20,000 so that they could afford their initial medical treatment only to find that after 2 years their pain has not gone away and they require further surgery and additional time away from work. Had they have engaged an experienced personal injury lawyer to make their claim, they would have discovered that their claim was actually worth around $400,000.00 (after legal fees).
Direct offers from a CTP insurer will almost never take into account the long-term impact your injuries will have on you and your future earning capacity. Further, any advice the CTP insurer may give you with their offer should not be relied on as the offer will not outline all of your entitlements. Remember, the business model of a CTP insurer relies on paying injured victims as little as possible.
If you accept an offer from the CTP insurer, there is almost no way the deal can be un-done.
Roche Legal will never let a CTP insurer off the hook lightly. We always make sure our client’s receive their full entitlements when making CTP claims. You only get one chance at making a CTP claim.