How to Claim
To make a claim, please use the steps below that are relevant to you:
- A. Applying for Early Payment for Medical Expenses
- B. Making a Claim for Personal Injuries
- C. At-Fault Driver Cover Claim
A. Applying for Early Payment for Medical Expenses
You may be eligible to make a claim for early benefits using the joint Motor Accident Notification Form / Medical Accident Medical Report (MANF/ MAMR). The MANF/MAMR allows you to apply for early benefits up to $5,000 for your treatment and medical expenses without lodging a full claim. These benefits are available regardless of who is at-fault.
Contact your CTP insurer as soon as possible, but within 30 working days of the date of the accident. Most injured persons will be eligible for the first $5,000 of their medical expenses. A copy of the joint MANF/MAMR form can be obtained from your CTP insurer, the Nominal Defendant, or visit the Legislation Register website:
Complete and sign the MANF/MAMR form and either email, post or lodge it in person with your CTP insurer, the identified at-fault insurer, or the Nominal Defendant (in cases where the at-fault vehicle is unidentified or uninsured).
If you need help to fill in the form, your CTP insurer can assist you.
B. Making a Claim for Personal Injuries
If your injuries are such that you expect your medical expenses will be more than $5,000 or your recovery will take longer than six months, you should complete a Notice of Claim (NOC) form.
The NOC is used to pursue compensation for loss of earning capacity; for medical, treatment and care expenses; and for pain and suffering as a result of injuries. These may include past or future losses/expenses.
Obtain a copy of the NOC form from a CTP insurer, the Nominal Defendant or from the Legislation Register website:
Complete and send the NOC form to the insurer of the at-fault vehicle. If you did not previously lodge a joint MANF/MAMR, this form should also be completed and attached to the NOC form.
You should send the NOC as soon as you can to the insurer.
If the claim is to a CTP insurer (i.e. NRMA, GIO, AAMI or APIA), you have 9 months from the day of the motor vehicle accident. If you engage a lawyer during this time, the lawyer has to submit the claim in one (1) month.
If the claim is to the Nominal Defendant you have 3 months.
Please see Claims-General Information webpage for more information on when to apply.
C. At-Fault Driver Cover Claim
A number of ACT CTP insurers may provide cover for you as an at-fault driver (with no additional premium payable). Under this cover the insurer pays compensation to the driver who caused the motor vehicle accident in the event they suffered a major injury or were killed as a result of the accident.
You will need to visit each insurer's webpage or contact the insurers directly to obtain information on these products and how to make a claim against this cover. Click here to access CTP insurers’ contact details.
Obtain a copy of the relevant CTP insurer’s at-fault driver cover claims form (if this cover is provided) from your insurer and complete it.
Lodge the completed form with your CTP insurer.
Please visit Claims-General Information webpage for additional information.