Queensland CTP, workers' compensation and public liability claims, from the Caboolture office
Compulsory third party (CTP) insurance in Queensland is not limited to drivers. Passengers, pedestrians, cyclists and motorcyclists injured in a motor vehicle accident can also claim — and the claim runs against the at-fault vehicle's CTP insurer, not against the driver personally. In Bellmere, where 67.0% of employed residents travel to work as a car driver and a further 5.6% as a car passenger, that distinction matters more often than people expect. Catton Roderick Lawyers acts in motor vehicle accident, workplace and WorkCover, and public liability claims, serving Bellmere from its Caboolture office. The first case assessment is free.
A CTP claim is often assumed to be something only a driver can make, or something that can't be pursued if the driver at fault was a family member or friend. Neither is right. CTP insurance follows the vehicle, and the claim is made against that vehicle's insurer — which means who was driving, and whose fault it was, does not by itself decide who can claim.
Bellmere had a population of 6,588 across 23.7 square kilometres at the 2021 Census, with 88.1% of dwellings separate houses. Car travel dominates how residents get to work — 67.0% drove and a further 5.6% travelled as a passenger — while only 7.4% worked from home, the lowest share of the six urban localities in this area. That travel pattern means more residents than most nearby suburbs are on the road daily, either behind the wheel or beside it.
Along the Bellmere Road corridor and surrounding streets, Queensland Police and Transport and Main Roads records show 40 reported casualty crashes between 2020 and 2024, with no fatalities recorded in that period. The wider corridor also recorded 197 motorcycle or moped crashes, 72 pedestrian crashes and 53 bicycle crashes across 2019–2023 — all groups covered by the same CTP scheme as car occupants, but often the first to assume they have no claim because they weren't driving.
A CTP Notice of Accident Claim Form must generally be given within nine months of the accident or the first appearance of symptoms, or within one month of first instructing a lawyer, whichever comes first. Because the claim is against the insurer rather than the driver, establishing which insurer covers the vehicle is itself part of the early work — not something a claimant needs to already know.
CTP is widely thought of as "car insurance for the driver," when in fact it covers anyone injured in the accident — passengers, other drivers, pedestrians, cyclists and motorcyclists.
A passenger or bystander who assumes they have no claim may miss the notice period entirely before finding out otherwise.
At the free case assessment we confirm whether CTP reaches you at all, and identify the insurer the claim runs against.
A CTP claim runs against the vehicle's insurer, not the driver personally — but that distinction isn't obvious to someone who doesn't want to "make a claim against" someone they know.
A genuine claim can go unmade out of an understandable but mistaken concern about the personal cost to the driver.
We explain plainly that the claim is against the insurer, not the person, before any decision is made.
The notice period is generally nine months from the accident or first symptoms, or one month after first instructing a lawyer, whichever is earlier — a detail that catches people who delay getting advice.
Instructing a lawyer late in the nine-month window can, counterintuitively, shorten the time left to give notice.
We identify which deadline applies to your specific timing at the first case assessment.
Motorcyclists, cyclists and pedestrians are covered by CTP the same as vehicle occupants — the wider corridor recorded 197 motorcycle/moped, 72 pedestrian and 53 bicycle crashes across 2019–2023.
These claimants are often the least likely to think CTP applies to them, purely because they weren't in a car.
We assess CTP eligibility regardless of what form of transport you were using at the time.
Bellmere has a younger age profile than the wider area — 24.1% of residents are aged 0–14 and the median age is 34, with 25.6% one-parent families — meaning an injured driver can affect a household's day-to-day mobility as much as its income.
Practical disruption is real even when it isn't the central legal question, and it's worth raising early.
We factor household circumstances into how a claim is progressed, without it changing the legal entitlement itself.
CTP in Queensland is regulated by the Motor Accident Insurance Commission (MAIC), an independent government body — but not everyone knows that resource exists.
People can be left taking a stranger's word for how the scheme works.
We point clients to MAIC's own guidance alongside our advice, so nothing rests solely on what we say.
Compulsory third party (CTP) claims for people injured in motor vehicle accidents in Queensland, including drivers, passengers, motorcyclists, cyclists and pedestrians, regulated by the Motor Accident Insurance Commission.
40 reported casualty crashes were recorded on Bellmere Road and surrounding streets across 2020–2024, alongside 197 motorcycle/moped, 72 pedestrian and 53 bicycle crashes in the wider corridor across 2019–2023.
Free case assessmentStatutory benefits (weekly payments, medical and rehabilitation expenses, a lump sum for assessed permanent impairment) that don't require proving fault, plus a separate common law damages claim that does — administered through WorkCover Queensland and WorkSafe Queensland.
Only 7.4% of Bellmere residents worked from home at the 2021 Census, the lowest of six nearby localities — most residents commute to a workplace where a separate injury scheme applies.
Free case assessmentClaims for injuries in shops, car parks, footpaths, rental properties and schools, run under the Personal Injuries Proceedings Act, which requires a Part 1 Notice of Claim to the person or entity a proceeding would be brought against.
With 88.1% of Bellmere dwellings separate houses, public liability questions here more often involve driveways, footpaths and shared community spaces than multi-unit common property.
Free case assessmentRegatta 1 Business Centre, 2 Innovation Pkwy, Birtinya QLD 4575
By appointment only
Unit 3, 9 East Street, Caboolture QLD 4510
Monday to Friday, 9:00am–5:00pm
Level 1, 133 Redcliffe Parade, Redcliffe QLD 4020
Tuesday to Friday, 9:00am–5:00pm
Yes. CTP covers anyone injured in the accident, including passengers, regardless of who was driving or who was at fault.
No. A CTP claim is made against the vehicle's insurer, not against the driver personally, so a claim doesn't create a personal financial burden for a family member or friend who was driving.
Yes. Pedestrians, cyclists and motorcyclists injured by a motor vehicle are covered by CTP in the same way as vehicle occupants.
Generally nine months from the accident or the first appearance of symptoms, or one month after first instructing a lawyer, whichever comes first.
Queensland Police and Transport and Main Roads records show 40 reported casualty crashes in Bellmere across 2020–2024, with no fatalities recorded in that period.
Nothing. The first case assessment is free and without obligation, and matters generally run on a no win, no fee basis.
If you, or someone in your household, has been injured in a motor vehicle accident in Bellmere — as a driver, passenger, pedestrian, cyclist or motorcyclist — the first step is a free case assessment to confirm whether CTP applies and which insurer the claim is against. Call 1300 209 997 or contact the Caboolture office at Unit 3, 9 East Street; there is no Catton Roderick office in Bellmere itself.
Caboolture – Mon to Fri - 9am to 5pm - Closed Sat, Sun,
Redcliffe – Tues to Fri – 9am to 5pm - Closed Sat, Sun, Mon
Sunshine Coast - By Appointment Only
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