What’s the claims process?

Here is a general overview of the motor vehicle claims process in Queensland. There is more information about each stage in separate questions. It’s okay if it looks a little scary or confusing, Claimify will assist you each step of the way!

1. Lodgement

This involves submitting a claim form (Notice of Accident Claim Form) with the insurance company. The form must contain certain content, including an accident diagram and Police Accident Report Reference Number, and include a medical certificate in a prescribed format. There are time limits for claim lodgement. Claimify will draft the claim form for you and arrange for your signature and return.

2. Compliance

This involves the insurance company advising whether you have complied with your legal obligations regarding the claim form content and format. Any non-compliance issues will need to be addressed. We will assist in obtaining compliance and addressing any non-compliance issues. Our aim is always first time compliance!

3. Disclosure

This involves Claimify (on your behalf) and the insurance company exchanging any documents relevant to the claim. This could include accident reports, receipts or material regarding your injury and treatment. If requested, both parties are also obliged to provide information about the accident and injuries. We will help you comply with these steps.

4. Liability Response

The insurance company has 6 months from compliance to investigate the accident and tell us whether they admit, partially admit or deny liability (fault). We will ask for an early response so your claim can progress.

5. Negotiation

At the appropriate time, the parties will commence negotiations to try to resolve your claim. This could be at the very beginning in the claim form, or later in the process once your injuries have stabilised and we are in a better position to value your claim. We will prepare a claim valuation and wait for your decisions regarding settlement.

6. Collection

Once your claim settles, there are a number of steps we need to follow before money is received. This includes formally agreeing to settlement terms, advising government departments and other organisations about the settlement, calculating settlement distribution, and receiving and distributing funds.