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In Queensland, the workers’ compensation scheme consists of a statutory phase and a common law phase. The statutory phase is based on a no fault compensation scheme. This means that if a worker is injured at work, whilst going to work or going home from work, he or she is entitled to claim compensation no matter who is at fault. The workers’ compensation insurer will compensate a percentage of your loss of earnings (time off work as a result of your injuries), travel expenses, pharmaceutical expenses, GP and medical specialist consultation fees, hospital fees, rehabilitation costs (physiotherapy, psychological/psychiatric counselling) and the like.

However, what most injured workers don’t know is that all payments made by the workers’ compensation insurer during the statutory phase relate to past expenses only. These include past loss of income, past medical and pharmaceutical costs, past travel costs, past rehabilitation costs, past psychological/psychiatric counselling fees etc. They do not include your future costs, such as your future loss of income, future need for counselling, future pharmaceuticals, the cost of future surgery and so on. If you are concerned about the impact that your injuries have on your future earning capacity and your future out of pocket expenses, then speak with the CZ Injury Law team today.

In addition to the above, many injured workers are not aware that they may also be entitled to a lump sum payment from the workers’ compensation insurer during the statutory phase. If offered a lump sum payment, you should immediately seek legal advice as there are serious ramifications if the lump sum offer is accepted. Firstly, once the lump sum offer is accepted you may no longer have any rights to pursue compensation for future loss of income or future out of pocket expenses so that is why it is crucial that you seek legal advice before making any uninformed decisions.

The CZ Injury Law team have decades of combined experience in Workers’ Compensation claims. We will help you navigate the claims process and to guide you to the best possible result on a no win no fee basis, meaning one less thing to worry about during what must already be a stressful time.

Speak to us about your rights today. Contact us for a free initial consultation.

Public liability accidents may include (but are not limited to):

a. Slips, trips and falls in shopping centres, commercial premises and residential premises;

b. Accidents on construction sites;

c. Injury as a result of institutional abuse or neglect;

d. Physical and sexual assault;

e. Aircraft and boating incidents;

f. Skydiving incidents;

g. Schoolyard injuries;

h. Animal attacks;

i. Accidents as a result of handling tools, equipment and other goods;

j. Scooter or bike injuries; and

k. Sports injuries.

If you have sustained an accident anywhere in a public place, you could be entitled to compensation to cover your losses.

Generally speaking, a claim for compensation must be sought within 3 years of the date of the accident or from the date that the injury becomes manifest. This 3 year period is referred to as the limitation period.

Once the limitation period expires, you may be barred from seeking compensation. It is crucial that you don’t leave it until it becomes too late.

Contact CZ Injury Law today for an obligation free initial meeting.

The Compulsory Third Party (CTP) scheme in Queensland is set up to compensate an injured road user. Such injuries may include a physical injury from whiplash to psychological injuries such as Post-Traumatic Stress Disorder to more serious and even lifelong catastrophic injuries.

To protect your interests, it is important to immediately take photos of the accident scene, any visible injuries, the driver licences and number plates of the at fault driver and obtain the contact details of any witnesses. You should also report your injuries to your GP as soon as possible following the accident.

The CTP process in Queensland is quite complex and dealing with insurers can sometimes be daunting and unpleasant. Whether you would just like to discuss the process or understand how we can help you take control of the process, contact the CZ Injury Law team for a friendly chat remotely or over coffee.

Our CZ Injury law team have decades of combined experience in CTP insurance claims. We will help you navigate the claims process and guide you to the best possible result on a no win no fee basis.

It would be self-limiting to say that here at CZ Injury Law we are only personal injuries lawyers. Our lawyers have plenty of court and other advocacy experience through our many decades combined experience helping Queenslanders obtain a fair and just outcome on their disputes. We can also assist in your:

1. Debt recovery and other contractual disputes;

2. Property and real estate transaction disputes;

3. Leasing disputes;

4. Business and partnership disputes; and

5. Consumer Law disputes.

Speak to the CZ Injury Law team about how we might be able to assist.

TPD stands for Total and Permanent Disability. Most people have a TPD insurance policy within their superannuation.

In instances where your injuries have permanently affected your capacity to work, you may be eligible to make a claim under TPD policy. TPD policies do not only apply to injuries sustained in accidents. It also applies to medical conditions that render you incapacitated to work, such as stroke, cancer and some mental illnesses.

Speak to one of our friendly CZ Injury Law lawyers today for more information on your rights and entitlements.

It wouldn’t be unfair to say that in the business of Big Insurance, it is just business to deny your claim.

In Australia, the Insurance Contracts Act provides certain protections for the insured against unreasonable policy decisions. Some examples of insurance disputes include a denial of insurance coverage for floods and fire claims, home and content and business interruption.

Speak to one of our experienced CZ Injury Law team members today if you need assistance with an insurance dispute.