{"id":7268,"date":"2026-04-12T09:00:55","date_gmt":"2026-04-11T23:00:55","guid":{"rendered":"https:\/\/morganclifford.com.au\/?page_id=7268"},"modified":"2026-04-07T09:33:25","modified_gmt":"2026-04-06T23:33:25","slug":"what-is-ctp-insurance","status":"publish","type":"page","link":"https:\/\/morganclifford.com.au\/zh\/what-is-ctp-insurance\/","title":{"rendered":"What is CTP Insurance?"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f6efe5&#8243; background_image=&#8221;https:\/\/morganclifford.com.au\/wp-content\/uploads\/2022\/06\/mc-watermark.png&#8221; background_size=&#8221;contain&#8221; background_position=&#8221;center_right&#8221; background_horizontal_offset=&#8221;5%&#8221; global_module=&#8221;923&#8243; saved_tabs=&#8221;all&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_post_title meta=&#8221;off&#8221; featured_image=&#8221;off&#8221; _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;|600|||||||&#8221; title_text_color=&#8221;#262262&#8243; title_font_size=&#8221;36px&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; hover_enabled=&#8221;1&#8243; global_colors_info=&#8221;{}&#8221; meta__hover_enabled=&#8221;on|hover&#8221; meta__hover=&#8221;off&#8221;][\/et_pb_post_title][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; module_id=&#8221;contact-form&#8221; _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; custom_padding=&#8221;20px||20px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;18px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>If you drive a registered vehicle in Queensland, you already have <b>Compulsory Third Party (CTP) insurance<\/b>, whether you realise it or not.\u00a0<\/p>\n<p>At <b>Morgan Clifford Legal Services<\/b>, we often speak with people who have been injured in road accidents and are unsure what CTP insurance actually covers or how it helps them after an accident.<\/p>\n<p>Understanding CTP insurance is important because it plays a crucial role in protecting people who are injured on the road.<\/p>\n<p><b>What is CTP Insurance?<\/b><\/p>\n<p>CTP insurance stands for <b>Compulsory Third Party insurance<\/b>. It is a type of insurance that covers <b>personal injury caused to other people in a motor vehicle accident<\/b>.<\/p>\n<p>In Queensland, CTP insurance is mandatory for all registered vehicles and is regulated by the Motor Accident Insurance Commission (MAIC).\u00a0<\/p>\n<p>When you renew your vehicle registration in Queensland, part of the fee you pay includes your CTP premium.<\/p>\n<p>This insurance exists to ensure that if someone is injured in a motor vehicle accident, there is a source of compensation available to help cover the costs associated with those injuries.<\/p>\n<h3><b>What Does CTP Insurance Cover?<\/b><\/h3>\n<p>CTP insurance covers <b>injuries to people caused by the negligence of a driver<\/b>.<\/p>\n<p>This can include compensation for:<\/p>\n<ul>\n<li aria-level=\"1\">Medical and hospital expenses<\/li>\n<li aria-level=\"1\">Rehabilitation and treatment costs<\/li>\n<li aria-level=\"1\">Loss of income if you cannot work<\/li>\n<li aria-level=\"1\">Pain and suffering<\/li>\n<li aria-level=\"1\">Ongoing care needs in serious cases<\/li>\n<\/ul>\n<p>For example, if you are injured in a car accident because another driver ran a red light or failed to give way, their CTP insurance may cover compensation for your injuries.<\/p>\n<p>At Morgan Clifford Legal Services, we regularly assist people who have been injured in:<\/p>\n<ul>\n<li aria-level=\"1\"><a href=\"https:\/\/morganclifford.com.au\/services\/brisbane-compensation-lawyers\/road-injury\/car-accident\/\">Car accidents<\/a><\/li>\n<li aria-level=\"1\"><a href=\"https:\/\/morganclifford.com.au\/services\/brisbane-compensation-lawyers\/road-injury\/motorcycle-accident\/\">Motorcycle accidents<\/a><\/li>\n<li aria-level=\"1\"><a href=\"https:\/\/morganclifford.com.au\/services\/brisbane-compensation-lawyers\/road-injury\/bike-accident\/\">Bicycle accidents<\/a> involving vehicles<\/li>\n<li aria-level=\"1\"><a href=\"https:\/\/morganclifford.com.au\/services\/brisbane-compensation-lawyers\/road-injury\/pedestrian-accident\/\">Pedestrian accidents<\/a><\/li>\n<li aria-level=\"1\">Passenger injuries<\/li>\n<\/ul>\n<p>Many people do not realise that <b>passengers in vehicles can also make CTP claims<\/b>, even if the driver of the car they were travelling in was at fault.<\/p>\n<h3><b>What CTP Insurance Does NOT Cover<\/b><\/h3>\n<p>One of the most common misunderstandings about CTP insurance is what it actually covers.<\/p>\n<p>CTP insurance <b>does not cover damage to vehicles or property<\/b>. That type of damage is covered by other forms of insurance, such as comprehensive car insurance.<\/p>\n<p>Instead, CTP insurance focuses solely on <b>injuries to people<\/b>.<\/p>\n<p>For example:<\/p>\n<ul>\n<li aria-level=\"1\">Damage to your car \u2013 not covered by CTP<\/li>\n<li aria-level=\"1\">Damage to another vehicle \u2013 not covered by CTP<\/li>\n<li aria-level=\"1\">Property damage \u2013 not covered by CTP<\/li>\n<li aria-level=\"1\">Personal injuries \u2013 covered by CTP (if someone else was at fault)<\/li>\n<\/ul>\n<p>Because of this, many drivers choose to also take out additional insurance policies for property damage.<\/p>\n<h3><b>Who Can Make a CTP Claim?<\/b><\/h3>\n<p>You may be able to make a CTP claim if you were injured in a motor vehicle accident and <b>another party was partly or fully responsible<\/b>.<\/p>\n<p>People who may be eligible to claim include:<\/p>\n<ul>\n<li aria-level=\"1\">Drivers injured by another driver\u2019s negligence<\/li>\n<li aria-level=\"1\">Passengers injured in a vehicle<\/li>\n<li aria-level=\"1\">Pedestrians struck by a vehicle<\/li>\n<li aria-level=\"1\">Cyclists involved in accidents with motor vehicles<\/li>\n<li aria-level=\"1\">Motorcyclists injured by another driver<\/li>\n<\/ul>\n<p>Even if you were <b>partially at fault<\/b>, you may still be able to make a claim depending on the circumstances.<\/p>\n<p>This is why it is important to speak with a compensation lawyer who can assess the details of your situation.<\/p>\n<h3><b>How Does a CTP Claim Work?<\/b><\/h3>\n<p>In Queensland, a CTP claim is made <b>against the insurance company of the at-fault driver<\/b>.<\/p>\n<p>The general process usually includes:<\/p>\n<ol>\n<li aria-level=\"1\">Reporting the accident to police (in many situations)<\/li>\n<li aria-level=\"1\">Seeking medical treatment for your injuries<\/li>\n<li aria-level=\"1\">Submitting a <b>Notice of Accident Claim Form<\/b> to the relevant insurer<\/li>\n<li aria-level=\"1\">The insurer investigating liability and the extent of injuries<\/li>\n<li aria-level=\"1\">Negotiation of compensation or, in some cases, court proceedings.<\/li>\n<\/ol>\n<p>While the process can seem straightforward, CTP claims often involve detailed medical evidence, legal timeframes, and negotiations with insurance companies.<\/p>\n<p>At <a href=\"https:\/\/morganclifford.com.au\/\">Morgan Clifford Legal Services<\/a>, we assist our clients through every stage of the claim process so they can focus on their recovery.<\/p>\n<h3><b>Time Limits for CTP Claims<\/b><\/h3>\n<p>There are strict time limits for lodging a CTP claim in Queensland.<\/p>\n<p>Generally:<\/p>\n<ul>\n<li aria-level=\"1\">You should submit your claim <b>within 9 months of the accident<\/b>, or<\/li>\n<li aria-level=\"1\">Within <b>1 month of consulting a lawyer about the accident<\/b><b><br \/><\/b><\/li>\n<\/ul>\n<p>If these time limits are missed, you may still be able to proceed with a claim, but additional steps may be required to explain the delay.<\/p>\n<p>Because of these deadlines, it is always best to seek legal advice as soon as possible after an accident.<\/p>\n<h3><b>Why Legal Advice Can Help<\/b><\/h3>\n<p>After a motor vehicle accident, many people are unsure whether they are entitled to compensation or how much their claim may be worth.<\/p>\n<p>Insurance companies are experienced in managing claims, and their goal is often to minimise the amount they pay out.<\/p>\n<p>At Morgan Clifford Legal Services, we help ensure that injured people:<\/p>\n<ul>\n<li aria-level=\"1\">Understand their legal rights<\/li>\n<li aria-level=\"1\">Receive proper medical assessment of their injuries<\/li>\n<li aria-level=\"1\">Claim all available compensation<\/li>\n<li aria-level=\"1\">Avoid accepting settlements that are too low.<\/li>\n<\/ul>\n<p>Every accident is different, and the value of a claim can depend on many factors including the severity of injuries, long-term impacts, and financial losses.<\/p>\n<h3><b>Getting Help After a Motor Vehicle Accident<\/b><\/h3>\n<p>CTP insurance exists to protect people who are injured on the road, but navigating the claims process can feel overwhelming, especially when you are recovering from an accident.<\/p>\n<p>If you have been injured in a motor vehicle accident and believe another driver may have been responsible, you may be entitled to compensation under the CTP scheme.<\/p>\n<p>At Morgan Clifford Legal Services, <a href=\"https:\/\/morganclifford.com.au\/contact-us\/\">we assist injured people<\/a> across Queensland with CTP claims and can guide you through the process from start to finish.<\/p>\n<p>If you are unsure about your rights after an accident, seeking legal advice early can make a significant difference to the outcome of your claim.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; 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_module_preset=&#8221;default&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f6efe5&#8243; custom_padding=&#8221;2em||1em||false|false&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Work Injury&#8221; _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;91cfca99-acf6-439c-a95b-a9fc242cedc4&#8243; background_color=&#8221;RGBA(255,255,255,0)&#8221; link_option_url=&#8221;https:\/\/morganclifford.com.au\/services\/brisbane-compensation-lawyers\/work\/&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Work Injury<\/h3>\n<p>Have you sustained a physical or psychological injury at work?[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f6efe5&#8243; custom_padding=&#8221;2em||1em||false|false&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Road Injury&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;91cfca99-acf6-439c-a95b-a9fc242cedc4&#8243; background_color=&#8221;RGBA(255,255,255,0)&#8221; link_option_url=&#8221;https:\/\/morganclifford.com.au\/services\/brisbane-compensation-lawyers\/road\/&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Road Injury<\/h3>\n<p>Have you been injured by someone else&#8217;s actions?[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f6efe5&#8243; custom_padding=&#8221;2em||1em||false|false&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Public Place Injury&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;91cfca99-acf6-439c-a95b-a9fc242cedc4&#8243; background_color=&#8221;RGBA(255,255,255,0)&#8221; link_option_url=&#8221;https:\/\/morganclifford.com.au\/services\/brisbane-compensation-lawyers\/public-place\/&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Public Place Injury<\/h3>\n<p>Have you sustained an injury not related to a motor vehicle or workplace?[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f6efe5&#8243; custom_padding=&#8221;2em||1em||false|false&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Superannuation Insurance Claim&#8221; _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;91cfca99-acf6-439c-a95b-a9fc242cedc4&#8243; link_option_url=&#8221;https:\/\/morganclifford.com.au\/services\/brisbane-compensation-lawyers\/superannuation\/&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Superannuation Insurance Claim<\/h3>\n<p>You may be covered under your superannuation policy if you are unable to work due to illness or injury.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Costs nothing to weigh up your options&#8221; _builder_version=&#8221;4.15.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#af893e&#8221; global_module=&#8221;956&#8243; saved_tabs=&#8221;all&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Costs nothing to weigh up your options&#8221; _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; header_2_font=&#8221;|600|||||||&#8221; header_2_text_align=&#8221;center&#8221; header_2_text_color=&#8221;#FFFFFF&#8221; header_2_font_size=&#8221;40px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Costs nothing to weigh up your options<\/h2>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;\/contact-us\/&#8221; button_text=&#8221;Learn More&#8221; button_alignment=&#8221;center&#8221; admin_label=&#8221;Button &#8211; Learn More&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;9370e217-b8d9-4713-ac1a-f2dc18af831d&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_border_color=&#8221;#FFFFFF&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.15.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f6efe5&#8243; custom_padding=&#8221;30px||0px||false|false&#8221; global_module=&#8221;958&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row module_class=&#8221;wrap-inline-buttons&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_css_main_element=&#8221;text-align:center;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Injured? Find out fast what you&#8217;re entitled to&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#262262&#8243; text_font_size=&#8221;28px&#8221; header_2_text_align=&#8221;center&#8221; header_2_text_color=&#8221;#af893e&#8221; header_2_font_size=&#8221;40px&#8221; header_3_text_align=&#8221;center&#8221; header_3_text_color=&#8221;#262262&#8243; header_3_font_size=&#8221;30px&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Injured?<\/h2>\n<h3>Find out fast what you&#8217;re entitled to<\/h3>\n<p>(along with a fair idea of how much)<\/p>\n<p>[\/et_pb_text][et_pb_divider color=&#8221;gcid-1114b1d7-ef63-48d8-b398-8f7106760828&#8243; divider_weight=&#8221;3px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;10%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;30px||20px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{%22gcid-1114b1d7-ef63-48d8-b398-8f7106760828%22:%91%22color%22%93}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#000000&#8243; text_font_size=&#8221;26px&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Obligation-free first consultation and assessment<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;tel:+61733178380&#8243; button_text=&#8221;Call Us&#8221; admin_label=&#8221;Call Us button&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;9370e217-b8d9-4713-ac1a-f2dc18af831d&#8221; custom_margin=&#8221;|25px|||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][et_pb_button button_url=&#8221;mailto:info@morganclifford.com.au&#8221; button_text=&#8221;Email Us&#8221; button_alignment=&#8221;left&#8221; admin_label=&#8221;Email Us button&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#262262&#8243; button_border_color=&#8221;#262262&#8243; button_border_radius=&#8221;15px&#8221; button_font=&#8221;|600|||||||&#8221; button_use_icon=&#8221;off&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Section &#8211; Our Promises (Why Choose Us)&#8221; _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|||||&#8221; global_module=&#8221;976&#8243; saved_tabs=&#8221;all&#8221; locked=&#8221;off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;gcid-479c3cb5-e282-4949-a400-6d6ffdb9836a&#8221; header_font_size=&#8221;40px&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_align=&#8221;center&#8221; header_2_text_color=&#8221;#13124e&#8221; header_2_font_size=&#8221;40px&#8221; header_3_font=&#8221;|600|||||||&#8221; header_3_text_align=&#8221;center&#8221; header_3_text_color=&#8221;#af893e&#8221; header_3_font_size=&#8221;30px&#8221; custom_margin=&#8221;||6px|||&#8221; custom_css_main_element=&#8221;font-family:Cambria-regular;||padding-top:30px;&#8221; global_colors_info=&#8221;{%22gcid-479c3cb5-e282-4949-a400-6d6ffdb9836a%22:%91%22header_text_color%22%93}&#8221;]<\/p>\n<h2>Our Promise<\/h2>\n<h3>Why choose us?<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_5,1_5,1_5,1_5,1_5&#8243; make_equal=&#8221;on&#8221; module_class=&#8221;promises&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; width=&#8221;95%&#8221; max_width=&#8221;1600px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_5&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f6efe5&#8243; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;91cfca99-acf6-439c-a95b-a9fc242cedc4&#8243; background_color=&#8221;RGBA(255,255,255,0)&#8221; link_option_url=&#8221;https:\/\/morganclifford.com.au\/promise\/&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>No win, no fee<\/h3>\n<p>You don&#8217;t pay us until we win your case. Not a single cent.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_5&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f6efe5&#8243; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;91cfca99-acf6-439c-a95b-a9fc242cedc4&#8243; background_color=&#8221;RGBA(255,255,255,0)&#8221; link_option_url=&#8221;https:\/\/morganclifford.com.au\/promise\/&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Experience<\/h3>\n<p>We go the extra mile to make our client\u2019s lives easier. We are experienced Brisbane work injury lawyers.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_5&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f6efe5&#8243; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;91cfca99-acf6-439c-a95b-a9fc242cedc4&#8243; background_color=&#8221;RGBA(255,255,255,0)&#8221; link_option_url=&#8221;https:\/\/morganclifford.com.au\/promise\/&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Trust<\/h3>\n<p>We always keep you in the loop so you&#8217;re in the know.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_5&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f6efe5&#8243; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;91cfca99-acf6-439c-a95b-a9fc242cedc4&#8243; link_option_url=&#8221;https:\/\/morganclifford.com.au\/promise\/&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>We care<\/h3>\n<p>We help you through every step of the way.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_5&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f6efe5&#8243; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;91cfca99-acf6-439c-a95b-a9fc242cedc4&#8243; background_color=&#8221;RGBA(255,255,255,0)&#8221; link_option_url=&#8221;https:\/\/morganclifford.com.au\/promise\/&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Obligation free<\/h3>\n<p>Your initial consultation is free.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_button button_url=&#8221;\/contact-us\/&#8221; button_text=&#8221;Let Us Help You&#8221; button_alignment=&#8221;center&#8221; admin_label=&#8221;Let us help you&#8221; _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;9370e217-b8d9-4713-ac1a-f2dc18af831d&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Morgan Clifford Law Firm has our injury compensation<span style=\"color: #808080;\"> <a style=\"color: #808080;\" href=\"https:\/\/morganclifford.com.au\" target=\"_blank\" rel=\"noopener\">lawyers<\/a><\/span> ready to help with your case, get in touch today for fast and friendly service.<\/p>\n<p>Call the team on 07 3317 8380 or email info@morganclifford.com.au.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you drive a registered vehicle in Queensland, you already have Compulsory Third Party (CTP) insurance, whether you realise it or not.\u00a0 At Morgan Clifford Legal Services, we often speak with people who have been injured in road accidents and are unsure what CTP insurance actually covers or how it helps them after an accident. [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-7268","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Morgan Clifford Legal Services explain CTP Insurance<\/title>\n<meta name=\"description\" content=\"The legal system is complicated. Morgan Clifford Legal Services make it simple. 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