Mi propiedad bajo contrato se inunda – 2 de marzo de 2022.

Trágicamente en este momento, muchos residentes del Estado del Sol (Queensland) tendrán que lidiar con problemas de inundación; y si usted está comprando o vendiendo puede estar preocupado con razón. Por favor, póngase en contacto con nosotros inmediatamente para obtener información específica

LLAME AL 0732362852 o al 1800GETHELP o envíe un correo electrónico a info@conveyancinghome.com.au. Tenga en cuenta que lo que sigue es sólo información general, y le instamos a que se ponga en contacto con nosotros, para que le ayudemos, lo antes posible.

No existe un derecho automático a rescindir un contrato porque el inmueble haya sufrido daños o se haya visto afectado por una inundación o un ciclón después de la firma del contrato. Esto se aplica incluso cuando el edificio de la propiedad está tan dañado que debe ser demolido. La mayoría de los contratos estipulan que el riesgo de que la propiedad sufra daños se transfiere al comprador en el momento de la firma del contrato o poco después (una excepción habitual son los contratos “sobre plano”, en los que el riesgo no suele transferirse hasta la liquidación).

Esto significa que el comprador debe liquidar y pagar el precio completo. El comprador puede tener derecho a reclamar con su propio seguro, siempre que los daños por inundación o ciclón estén cubiertos. Puede darse una excepción en circunstancias en las que el vendedor no haya tomado medidas razonables para proteger la propiedad contra los daños por inundación (por ejemplo, si los daños podrían haberse evitado si el vendedor hubiera puesto un saco de arena en la propiedad). Esto dependerá de las circunstancias individuales.

¿Existe un contrato vinculante? En primer lugar, hay que considerar si se ha formado el contrato (esto suele ocurrir cuando el vendedor acepta la oferta del comprador y notifica la aceptación al comprador o a su abogado). Hasta que esto ocurra, el comprador es libre de retirar su oferta y recuperar los depósitos. Aunque el contrato se haya formalizado, el comprador sigue teniendo derecho a ejercer un periodo de reflexión de 5 días.

¿Cuáles son las obligaciones del vendedor? A menos que se modifique, las condiciones estándar de los contratos de compraventa prevén que el riesgo de la propiedad pase al comprador una vez que se haya formalizado el contrato. Por lo tanto, la posición general es que, tras la celebración de un contrato, el vendedor está obligado a cuidar razonablemente de la propiedad hasta la liquidación.

Esto significa probablemente que un vendedor estará obligado a retirar el agua y el barro de una propiedad inundada para evitar más daños. Sin embargo, el vendedor no estará obligado a realizar reparaciones (por ejemplo, sustituir las alfombras o volver a pintar) antes de la liquidación. Sin embargo, el hecho de que el vendedor no limpie la propiedad tras la inundación sólo dará derecho al comprador a una indemnización y no a la rescisión.

Contratos condicionales – Como se ha mencionado anteriormente, los compradores con un periodo de reflexión pueden rescindir un contrato por cualquier motivo con una penalización del 0,25% del precio. En el caso de algunos contratos, el Comprador aún puede tener derecho a rescindir el contrato, si éste aún está sujeto a una inspección del edificio y la inspección se produce después de la inundación y el Comprador no está satisfecho. Puede haber otras condiciones en las que el Comprador pueda tener derecho a rescindir el contrato, por lo que tendrá que consultar a su abogado inmediatamente.

Contratos incondicionales – El artículo 64 de la Ley de la Propiedad de 1974 (Qld) (PLA) permite al comprador rescindir el contrato si una “vivienda” (incluidas las unidades) no es apta para ser ocupada como vivienda antes de la fecha de liquidación. Los daños causados por las inundaciones no equivalen automáticamente a “no apto para la ocupación”. Por lo tanto, los vendedores deben obtener un informe de inspección del edificio independiente que concluya que la vivienda es apta para ser ocupada. Las partes pueden solicitar una prórroga para la liquidación, a fin de que la vivienda cumpla con el artículo 64 de la Ley de la Propiedad.

Financiación – ¿Su prestamista financiero exigirá una nueva valuación para una propiedad afectada por las inundaciones? Si la nueva valuación no es satisfactoria, el prestamista puede retirar la financiación, poniendo al comprador en una posición en la que no puede llegar a un acuerdo. El comprador debe consultar con su banco o con el corredor si puede financiar su compra. Además, algunas de las instituciones financieras pueden verse afectadas por la catástrofe natural, por lo que tendrá que verificar si son capaces de organizar su financiación y proporcionar los fondos necesarios para la liquidación a tiempo.

Seguro; Si los compradores han contratado un seguro después de firmar un contrato, deberán consultar con sus corredores de seguros si están cubiertos por las pérdidas ocasionadas por las inundaciones. Muchas compañías de seguros tienden a no ofrecer seguros de inundación para las viviendas situadas en zonas de inundación conocidas. Si el comprador no está asegurado, es posible que cuente con cierta protección en virtud de la póliza de seguro del vendedor hasta la posesión o la liquidación. Los compradores pueden estar en una situación en la que tendrán una factura de reparación sustancial.

Por favor, póngase en contacto con nosotros inmediatamente para obtener más información Llame al 0732362852 o 1800GETHELP e ; info@conveyancinghome.com.au #homeconveyancing #brisbane #flooding

Relajación temporal del horario de trabajo para los titulares de visa de estudiante –

Debido a la escasez de mano de obra;

El tesorero y el ministro anunciaron esta semana que se han establecido disposiciones temporales para flexibilizar el límite de 40 horas por quincena de las horas de trabajo de los titulares de visa de estudiante para contribuir a la recuperación económica de Australia. La limitación se ha quitado para el trabajo en cualquier sector de la economía.

Esta disposición temporal entró en vigor inmediatamente en un anuncio realizado el 19 de enero de 2022. Estas disposiciones serán revisadas por el Gobierno en abril de 2022.

–

 

Mientras se apliquen estas medidas:

Los estudiantes deben mantener su inscripción en el curso, su presencia y su progreso satisfactorio

Asuntos de Interior y la ABF no:

Cancelarán la visa de los estudiantes que trabajen más de 40 horas por quincena

No remitirán a los estudiantes por infracción del artículo 235 de la ley relativo a las horas de trabajo

 

No remitirán a los empleadores o a las empresas de contrato de trabajo para que sean investigados por permitir que los estudiantes trabajen incumpliendo las condiciones de su visa

 

Puede encontrar más información en el sitio web de Asuntos de Interior.

O hable con el EQUIPO DE LEYES DE PHOENIX ahora. LLAME AL 1800 GETHELP (1800 438 4357) Visite https://www.phoenix-law.com.au/ o envíe un correo electrónico a info@phoenix-law.com.au

Temporary relaxation of working hours for student visa holders –

​​​​​​​​​Due to workforce shortages;

The Treasurer and the Minister announced this week that temporary arrangements have been put in place to relax the 40 hours per fortnight cap on working hours of Student Visa holders to assist with Australia’s economic recovery. The limitation has been lifted for work in any sector of the economy.

This temporary arrangement came into effect immediately in an announcement on 19 January 2022. These arrangements will be reviewed by the Government in April 2022.

While these measures are in place:

  • students must maintain their course enrolment, attendance and satisfactory progress

Home Affairs and the ABF will not:

  • cancel the visas of students working more than 40 hours per fortnight
  • not refer students for breaches of s235 of the Act related to working hours
  • not refer employers or labour-hire companies for investigation for allowing students to work in breach of their visa conditions

Further information is available on the Home Affairs website.    

Or talk to the PHOENIX LAW TEAM now. CALL 1800GETHELP See https://www.phoenix-law.com.au/ or email info@phoenix-law.com.au #phoenixlaw #propertylaw #familylaw #commerciallaw #queenslandlaw #homeaffairs  #immigrationlaw

 

HAPPY NEW YEAR as 76 BRISBANE &  SEQ SUBURBS join THE MILLION DOLLAR CLUB

In 2021 we experienced a once-in-a-generation property boom that resulted in almost 400 suburbs joining the million-dollar club. In other words, their median price was over $1 million. Based on CoreLogic data published in The Australian there were 76 suburbs in South East Queensland where median dwelling values have risen above $1 million this year.

Million-dollar house or your first cottage – WE are your QLD Conveyancing experts – 073236 2852 |  info@conveyancinghome.com.au  | https://conveyancinghome.com.au  #loveubrisbane #home #conveyancing #queenslandlaw

Brisbane has become Australia’s strongest housing market over recent months, with the monthly rate of growth reaching a new cyclical high of 2.9% in November, taking dwelling values 7.4% higher over the rolling quarter and 25.1% higher over the year.

In dollar terms, we have seen Brisbane dwelling values rise by approximately $127,000 over the past twelve months.

Local demand is being supported by a high rate of interstate migration, along with relatively affordable housing prices.

Every sub-region of Brisbane has seen housing values rise by more than 20% over the past twelve months, however, it is the coastal markets of South East Queensland where growth has led the state, with housing values surging 32% higher over the year across the Sunshine Coast and 30% higher on the Gold Coast.

Here are the Greater Brisbane suburbs that joined the million-dollar club

SA4 Suburb Median value (current) Median value (12m ago) Annual change Month values reached $1m
Brisbane – East Manly $1,099,196 $851,541 29.1% Sep-21
Brisbane – East Belmont $1,014,333 $794,614 27.7% Nov-21
Brisbane – East Wakerley $1,039,872 $821,392 26.6% Oct-21
Brisbane – North Wavell Heights $1,111,222 $831,753 33.6% Aug-21
Brisbane – North Kedron $1,019,751 $783,958 30.1% Nov-21
Brisbane – North Gordon Park $1,043,372 $815,221 28.0% Oct-21
Brisbane – North Shorncliffe $1,017,031 $816,383 24.6% Nov-21
Brisbane – North Bridgeman Downs $1,085,695 $873,018 24.4% Sep-21
Brisbane – South Carindale $1,269,615 $933,248 36.0%
Brisbane – South Camp Hill $1,308,216 $971,900 34.6%
Brisbane – South Holland Park $1,109,533 $843,646 31.5% Sep-21
Brisbane – South Fairfield $1,046,194 $803,572 30.2% Nov-21
Brisbane – South Tarragindi $1,184,878 $910,376 30.2% Aug-21
Brisbane – South Dutton Park $1,098,209 $847,325 29.6% Sep-21
Brisbane – South Cannon Hill $1,052,409 $814,809 29.2%
Brisbane – South Holland Park West $1,051,260 $818,600 28.4%
Brisbane – South Mackenzie $1,155,206 $903,889 27.8% Jul-21
Brisbane – South Wishart $1,033,003 $813,912 26.9% Nov-21
Brisbane – South Stretton $1,008,471 $816,620 23.5% Nov-21
Brisbane – West Graceville $1,301,294 $962,443 35.2% May-21
Brisbane – West Sherwood $1,058,109 $794,935 33.1%
Brisbane – West Corinda $1,000,040 $754,041 32.6% Nov-21
Brisbane – West the Gap $1,004,291 $762,796 31.7% Nov-21
Brisbane – West Kenmore Hills $1,278,197 $984,803 29.8% Feb-21
Brisbane – West Chapel Hill $1,158,228 $894,860 29.4% Jun-21
Brisbane – West Anstead $1,177,323 $984,887 19.5% Apr-21
Brisbane – West Mount Ommaney $1,094,569 $916,033 19.5%
Brisbane Inner City Norman Park $1,265,015 $951,172 33.0% Apr-21
Brisbane Inner City Newmarket $1,014,452 $763,900 32.8% Nov-21
Brisbane Inner City Seven Hills $1,284,219 $973,684 31.9% Mar-21
Brisbane Inner City Red Hill $1,259,593 $982,927 28.1% May-21
Brisbane Inner City Bulimba $1,011,377 $793,846 27.4% Nov-21
Brisbane Inner City East Brisbane $1,108,236 $876,173 26.5% Oct-21
Brisbane Inner City Alderley $1,021,917 $812,381 25.8% Nov-21
Logan – Beaudesert Chambers Flat $1,001,786 $783,624 27.8% Nov-21
Moreton Bay – North Newport $1,008,750 $750,753 34.4% Nov-21
Moreton Bay – South Ocean View $1,032,760 $801,878 28.8% Oct-21
Moreton Bay – South Bunya $1,212,979 $954,214 27.1% Jun-21

Source: CoreLogic

Here are the rest of Queensland suburbs that joined the million-dollar club

SA4 Suburb Median value (current) Median value (12m ago) Annual change Month values reached $1m
Gold Coast Burleigh Waters $1,306,559 $909,658 43.6%
Gold Coast Mermaid Waters $1,370,921 $955,690 43.4% Mar-21
Gold Coast Miami $1,019,027 $720,291 41.5% Nov-21
Gold Coast Yatala $1,054,506 $760,336 38.7%
Gold Coast Elanora $1,085,630 $788,811 37.6% Oct-21
Gold Coast Tugun $1,022,004 $743,921 37.4% Nov-21
Gold Coast Palm Beach $1,243,184 $905,069 37.4%
Gold Coast Burleigh Heads $1,036,023 $771,564 34.3% Oct-21
Gold Coast Currumbin $1,190,998 $894,734 33.1% May-21
Gold Coast Currumbin Waters $1,091,816 $830,319 31.5% Sep-21
Gold Coast Benowa $1,088,229 $830,851 31.0% Sep-21
Gold Coast Tallai $1,192,265 $910,892 30.9% Apr-21
Gold Coast Hollywell $1,104,908 $849,394 30.1% Aug-21
Gold Coast Bonogin $1,254,262 $965,799 29.9% Apr-21
Gold Coast Paradise Point $1,176,438 $912,886 28.9% May-21
Gold Coast Reedy Creek $1,092,648 $848,413 28.8% Aug-21
Gold Coast Wongawallan $1,137,465 $886,334 28.3% Jul-21
Sunshine Coast Ninderry $1,174,516 $811,302 44.8% Aug-21
Sunshine Coast Moffat Beach $1,151,719 $821,010 40.3% Jul-21
Sunshine Coast Noosaville $1,257,866 $903,913 39.2%
Sunshine Coast Bokarina $1,358,983 $981,951 38.4% Mar-21
Sunshine Coast Yandina Creek $1,291,786 $943,443 36.9% May-21
Sunshine Coast Black Mountain $1,023,831 $750,371 36.4% Nov-21
Sunshine Coast Pelican Waters $1,163,190 $856,669 35.8% Jun-21
Sunshine Coast Cooroibah $1,190,659 $879,541 35.4% Jul-21
Sunshine Coast Lake Macdonald $1,089,172 $804,720 35.3% Aug-21
Sunshine Coast Warana $1,025,362 $759,081 35.1%
Sunshine Coast Coolum Beach $1,048,627 $776,720 35.0% Oct-21
Sunshine Coast Dicky Beach $1,070,475 $794,834 34.7% Sep-21
Sunshine Coast Yaroomba $1,199,446 $894,561 34.1%
Sunshine Coast Maroochy River $1,113,592 $831,349 33.9% Sep-21
Sunshine Coast Mudjimba $1,020,473 $763,928 33.6% Nov-21
Sunshine Coast Twin Waters $1,231,145 $945,068 30.3% May-21
Sunshine Coast Buderim $1,000,518 $771,391 29.7% Nov-21
Sunshine Coast Eumundi $1,099,407 $849,461 29.4%
Sunshine Coast Diddillibah $1,135,777 $890,225 27.6% May-21
Sunshine Coast Rosemount $1,018,265 $806,757 26.2% Nov-21
Sunshine Coast Eerwah Vale $1,047,409 $842,582 24.3%

Source: CoreLogic

 

QUEENSLANDERS LIVING IN APARTMENTS COULD BE PREVENTED FROM SMOKING on their balconies after a “game-changing” decision to ban one unit owner from doing so after a complaint from an upstairs neighbour. The decision was made on the basis that second-hand smoke is a hazard. The peak voice for body corporates said the decision could make it easier to ban others

The ninth-floor owner claimed the eighth-floor neighbour spends about five minutes smoking and could do so about every 20 to 40 minutes, labelling the smoke “relentless and unbearable”, causing her to be concerned about her health. The Office of the Commissioner for Body Corporate and Community Management’s adjudicator ordered that the eighth-floor owner must no longer smoke tobacco products on the balcony.

Got legal questions? TALK to the PHOENIX LAW TEAM now. Friendly, legal experts – CALL 1800GETHELP See https://www.phoenix-law.com.au/  or email info@phoenix-law.com.au #phoenixlaw #propertylaw #balconysmoking #queenslandlaw

Furthermore, it was ruled she can only smoke elsewhere within her apartment if she takes reasonable steps to ensure the smoke does not affect any person in another apartment.

“I think if we look at this in a greater context, in terms of our society, we’ve seen these changes over the last decade or more where we’ve seen continued evolving of the restrictions on smokers — can’t smoke in airports, restaurants, workplaces — but it hasn’t reached, until now, into strata, “ said Kristi Kinast, president of the Strata Community Association of Queensland. Apartment dwellers can seek information on the process from the Office of the Commissioner for Body Corporate and Community Management, and people could seek mediation or adjudication on the issue.

Former commissioner of Queensland’s Body Corporate and Community Management, Chris Irons, said the decision meant effectively anybody who can show cigarette smoke drifting from one balcony to theirs could show it is a hazard. “This I would think potentially also applies to vaping as well,” he said.

Mr Irons said smoking has been a really “tense, difficult issue” in strata for years, with little that could be done about it. With thanks, ABC News.

PLANNING TO MIGRATE to AUSTRALIA?  Skilled Workers? Now is a very good time, as Australia relaxes its international borders and faces real skill shortages.  More workers have left Australia than ever, and not only have less skilled workers arrived in Australia but more are leaving.

With 14,400 workers leaving Queensland alone, local businesses face critical shortages, particularly in health, hospitality and in the regions. Minister for Immigration, Citizenship, Migrant Services and Multicultural Affairs Alex Hawke said “The changes complement the government’s recent announcement that fully vaccinated eligible temporary and provisional visa holders may enter Australia without a travel exemption from 1 December 2021.”

TALK TO THE PHOENIX LAW MIGRATION TEAM NOW. Contact your Multilingual friendly legal experts at PHOENIX LAW & ASSOCIATES – CALL 1800GETHELP See https://www.phoenix-law.com.au/ or email  info@phoenix-law.com.au #immigration #Australia #Australianimmigration #migrationvisa #PartnerVisa #LawyersBrisbane #spanish #portuguese #mandarin

 

Australia, like the rest of the developed world, faces massive skill shortages, the loss of migrants from Australia is of concern to businesses. In the data released on Friday, 17 December, it was revealed that Australia recorded a net loss of 88,800 people in 2020-21 due to the impact of COVID on overseas migration.

ABS Director Migration Statistics, Jenny Dobak, said the figures show there were more people departing from, than arriving into, Australia during the pandemic, reversing the historical migration pattern. “During the COVID-19 pandemic, many historical patterns of migration have changed,” she said. “Contrast this to 2018-19, prior to the pandemic, when the country recorded a net gain of 241,300 people.”

Nationally, when compared with a year ago, emigration fell 25% (234,600 from 314,200) and immigration fell 71% (145,800 from 506,900).  “In the decade prior to the pandemic, there was an annual net gain from overseas migration for each state and territory,” Ms Dobak said.  “However in 2020-21, during the pandemic, there was a decline in net overseas migration in every state and territory.”

Victoria lost the highest number of migrants recording a loss of 56,100, followed by Queensland (14,400), WA (5,600), NSW (5,500), SA (3,300), ACT (3,100), Tasmania (440) and the Northern Territory (380).

​​Last month, the Office of Home Affairs said it was updating its Migration Program to try and support the economic recovery impacted severely by the loss of migrant skilled workers. The Office said it was aiming to attract 79,600 skilled workers into the country in 2022 – about half the 160,000 migration places it was forecasting.

Of those, 22,000 were allocated to employer-sponsored workers and 13,500 were to be set aside for the business innovation and investment program. It was also changing the visa rules for migrant skilled workers still in Australia.

Minister for Immigration, Citizenship, Migrant Services and Multicultural Affairs Alex Hawke said these measures recognise the contribution of skilled migrants who remained here during the COVID-19 pandemic and encourage them to stay in Australia.

“Eligible skilled workers, already in Australia, will continue to support local businesses facing critical shortages, particularly in health, hospitality and our regions,” Mr Hawke said. “This recognises the economic value-add of these critical workers, and retaining them will greatly assist in Australia’s economic recovery.”

“The changes complement the government’s recent announcement that fully vaccinated eligible temporary and provisional visa holders may enter Australia without a travel exemption from 1 December 2021,” he said.

These visa changes will improve access to permanent residence for:

Existing Temporary Skill Shortage (subclass 482) visa holders in the short-term stream; and

Legacy Temporary Work Skilled (subclass 457) visa holders who no longer meet the age requirement.

“This is a special concession recognising those highly skilled migrant workers who chose to stay in Australia throughout the pandemic while continuing to address Australia’s acute shortages. This allows them to stay here, with a pathway to Australian citizenship,” Mr Hawke said.

“There are currently about 20,000 primary Temporary Skill Shortage and 457 visa holders in Australia who may benefit from these arrangements. Most of these workers are employed in the highest-skilled occupations and the largest cohorts of workers benefiting from these changes include those currently employed in the health and hospitality industries, including many workers in regional Australia.”

In October, KPMG said the government’s Centre for Population forecasts positive migration will only return in the 2022-23 financial year.

KPMG’s head of immigration services, Belinda Wright, said border closures had severely affected Australia’s migrant program.

She said before the pandemic, Australia had already been falling behind other countries in its ability to attract and retain skilled migrants and travel restrictions had only made that worse.

With thanks, Business Australia.

TALK TO THE PHOENIX LAW MIGRATION TEAM NOW. Contact your friendly multilingual legal experts at PHOENIX LAW & ASSOCIATES – CALL 1800GETHELP See https://www.phoenix-law.com.au/ or email  info@phoenix-law.com.au #immigration #Australianimmigration #migrationvisa #PartnerVisa #LawyersBrisbane

Have you FALLEN IN LOVE WITH AN AUSSIE?  If you are considering APPLYING FOR A PARTNER VISA so that you or your special someone can stay together, this booklet was written for you! You can strengthen your Partner Visa application with the help of our experts – they cost very little and come straight from the desk of a leading migration solicitor. Example #1 – Say Cheese! – pull out your iPhone and take a few couple selfies. Taking pictures is a great way to gather evidence of your relationship.

Read more here –  or call your friendly legal experts at PHOENIX LAW & ASSOCIATES Level 16, 300 Adelaide Street Brisbane, | CALL1800GETHELP #PartnerVisa #Aussielove #LawyersBrisbane

DOWNLOAD OR PRINT HERE

7 Insider Secrets For Your Successful Partner Visa Application #immigrationlawyers #queenslandlaw #spanish #portugeuese 

 

 

Commercial and Conveyancing Paralegal –   Phoenix Law & Associates is a boutique law firm located in the heart of the Brisbane CBD.

We are seeking a Commercial and Conveyancing Paralegal to join our growing team. It is expected that the predominant areas of involvement will be residential and commercial conveyancing, business purchase and sales as well as leasing.

 

Routine tasks include;

 

Review of contracts and close liaison with solicitors to protect client interests, drafting client and third party correspondence, drafting first drafts of advices on standard contracts and leases and maintenance of client files.

Due to the nature of our clientele, the right applicant will be required to be competent at a business/commercial level to read, write and speak both English and Chinese (Mandarin).

 

The ideal candidate will:

 

Be organised and have high attention to detail
Mature minded
Has great time management
Be able to take and follow instructions
Be able to work as part of a team and by yourself
Be able to use Microsoft Office, particularly Word, Outlook
Have good communication skills both written and spoken
Have relevant experience such as administration role, legal secretary or paralegal
Has a strong work ethic and keen interest to learn

 

What you can expect from us:

 

Opportunity for your role to grow with the business
You’ll be welcomed into a close-knit team of friendly, genuine people
Desirable team culture and morale
Enjoyable work-life balance
Lots of extra benefits such as team lunches, massages, monthly morning teas, rewards for reaching targets
This is a full-time role, 8:30 am to 5:00 pm Monday to Friday.

We are seeking a candidate who can commence immediately/as soon as possible.

Please note that applications from agencies will not be considered at this time.

 

Apply by email to: t.pearson@phoenix-law.com.au

With Phoenix Law, you’ll get big firm talent and small firm culture. We’ll treat you like a person, not just a case number.

Home

 

Have you been injured in a car accident? You may be eligible to make a claim. What is a CTP claim?

A CTP (Compulsory Third Party) claim is an insurance claim for a lump sum to compensate you for injuries sustained in a car accident and the effects of those injuries, including but not limited to:
– Medical and rehabilitation costs to treat your injuries; and
– Lost income resulting from the injuries.

Can I make a CTP claim?

In Queensland, you can make a CTP claim if you:
1. Were injured in a car accident; and
2. The car accident was not your fault, or only partially your fault.
If you are a passenger in the at-fault car, you can still make a claim.
Who do I make a claim against?

CTP claims are made against the CTP insurer of the at-fault car. CTP insurance is compulsory with car registration. Every registered car has a CTP insurer.

In Queensland, we have a voluntary CTP insurance scheme in that you can nominate which insurer you would like your CTP policy with. As such, there are a number of different CTP insurers in Queensland that we deal with, such as Suncorp, RACQ, Allianz and QBE.

Why should I make a CTP claim?

Why should you be out of pocket for expenses and losses associated with an injury that was not your fault?

1. Making a CTP claim allows you to access funding for medical and treatment expenses from the CTP insurer. If your claim is accepted and your medical treatment approved by the insurer, they will usually fund most of your medical and treatment costs as verified by your doctor. These expenses include items such as:
– GP consults
– Physiotherapy
– Investigations such as X-Rays, CT scans, Ultrasounds, MRIs
– Psychological treatment
– Medications
– Travel associated with treatment. This can save you hundreds or even thousands of dollars in out-of-pocket expenses.

2. If your injuries are long-term, that is, they persist after 9-12 months, then a CTP claim can also serve to compensate you for possible future expenses and losses arising from those injuries.

Sometimes, an injury can be serious enough to affect your earning potential, which will result in future losses of income. This can happen due to reasons such as:
– You can no longer do your usual job and require retraining and reskilling
– Your injury prevents you from heavy lifting and manual handling
– You can only work part-time instead of full time
– You will need time off work to rest
– Your general productivity, efficiency and capacity has decreased

What can I claim for?

1. Pain and suffering from the injuries themselves (this will be a fixed amount depending on the severity of your injuries and the medical evidence)
2. Past and future medical and rehabilitation costs
3. Past economic loss
4. Future economic loss
5. Past and future care costs (if applicable).

Past economic loss is the income you have lost as a result of your injuries – eg. due to time off work.

Future economic loss typically makes up the largest portion of your lump-sum payment. It is an amount paid to compensate you for the risk of future lost income due to your injuries. How much will depend on the impact of your injuries on your ability to work.

The amount of compensation available to an individual in each of these areas is dependant on the evidence. The injured party needs to show through documentation and medical records their losses and how they have been affected. If you are ever involved in a car accident, it is a good idea to keep
copies of all documents and make notes from the time of the accident onwards.

Why should I use lawyers for my CTP claim?

The CTP process is complex and may take 12 – 18 months or more. As your representatives, we will guide and support you through this process so that it is as easy as possible and you can focus on your treatment and recovery.

Most importantly, we will gather evidence to prove your case and provide you with advice so that you can make informed decisions throughout the process and regarding any offers of settlement made to you.

How much the CTP insurer will pay you is determined by:
– Evidence of your injuries and impact on your work;
– Evidence of expenses and any other losses;
– Your personal circumstances and history;
– Previous Court decisions in matters with similarities;

The negotiation stage is where we really shine. We will prepare your evidence, your case, and advocate and negotiate on your behalf to achieve the best possible outcome for you.
Have any questions? Call our friendly team for a free of charge and a no-obligation initial consultation.
Phone 1800-GET-HELP (1800 438 435)