{"id":"qld:sl-2018-0113","name":"Motor Accident Insurance Regulation 2018","slug":"motor-accident-insurance-regulation-2018","collection":"regulation","jurisdiction":"qld","status":"in_force","isInForce":true,"actNumber":"113 of 2018","makingDate":null,"administeringDepartment":null,"currentVersion":{"id":174845,"registerId":"qld-qld:sl-2018-0113-current","compilationNumber":null,"startDate":"2026-04-05","status":"InForce","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"pt.1","sectionType":"part","heading":"Preliminary","content":"# Preliminary","sortOrder":0},{"sectionNumber":"sec.1","sectionType":"section","heading":"Short title","content":"### sec.1 Short title\n\nThis regulation may be cited as the Motor Accident Insurance Regulation 2018 .","sortOrder":1},{"sectionNumber":"sec.2","sectionType":"section","heading":"Commencement","content":"### sec.2 Commencement\n\nThis regulation commences on 1 September 2018.","sortOrder":2},{"sectionNumber":"sec.3","sectionType":"section","heading":"Definitions","content":"### sec.3 Definitions\n\nThe dictionary in schedule 5 defines particular words used in this regulation.","sortOrder":3},{"sectionNumber":"pt.2","sectionType":"part","heading":"Classification of motor vehicles","content":"# Classification of motor vehicles","sortOrder":4},{"sectionNumber":"sec.4","sectionType":"section","heading":"Classification of motor vehicles for fixing insurance premiums","content":"### sec.4 Classification of motor vehicles for fixing insurance premiums\n\nFor fixing insurance premiums for CTP insurance, motor vehicles are classified as stated in schedule 1 .\nIf a motor vehicle falls into 2 or more of the classes stated in schedule 1 , the vehicle’s class is taken to be the class that attracts the highest insurance premium.\nHowever—\nif the motor vehicle is used only for primary production, the insurance premium is calculated on the basis appropriate to a vehicle used only for primary production even if the vehicle also belongs to another class that attracts a higher insurance premium; and\nif a bus falls into class 9 and also class 10A or 11, the bus is taken to fall into class 9, and not class 10A or 11, if—\nthe bus is not likely to be used for a purpose that would result in its classification under class 10A or 11 for a period, or a number of separate periods, of more than 14 / 365 of the total registration period for the bus; and\nbefore the bus is used for a purpose mentioned in subparagraph (i) , the registered operator of the bus advises the insurer of the day or days on which the bus is to be used for that purpose and pays to the insurer a surcharge equal to the higher of the following—\n$4 for each day the bus is to be used for that purpose;\n$10; and\nif a bus (a replacement bus ) falls into a class other than class 10B, the replacement bus may be used to replace a bus that falls into class 10B (a class 10B bus ), without affecting the classification of the replacement bus under schedule 1 , if—\nthe replacement bus is used to replace a class 10B bus for a period, or a number of separate periods, of not more than 14 / 365 of the total registration period of the replacement bus; and\nbefore the replacement bus is used to replace a class 10B bus, the registered operator of the replacement bus advises the insurer of the day or days on which the replacement bus is to be used to replace a class 10B bus; and\nwhile the replacement bus is used to replace a class 10B bus, the class 10B bus is not used to transport passengers.\n(sec.4-ssec.1) For fixing insurance premiums for CTP insurance, motor vehicles are classified as stated in schedule 1 .\n(sec.4-ssec.2) If a motor vehicle falls into 2 or more of the classes stated in schedule 1 , the vehicle’s class is taken to be the class that attracts the highest insurance premium.\n(sec.4-ssec.3) However— if the motor vehicle is used only for primary production, the insurance premium is calculated on the basis appropriate to a vehicle used only for primary production even if the vehicle also belongs to another class that attracts a higher insurance premium; and if a bus falls into class 9 and also class 10A or 11, the bus is taken to fall into class 9, and not class 10A or 11, if— the bus is not likely to be used for a purpose that would result in its classification under class 10A or 11 for a period, or a number of separate periods, of more than 14 / 365 of the total registration period for the bus; and before the bus is used for a purpose mentioned in subparagraph (i) , the registered operator of the bus advises the insurer of the day or days on which the bus is to be used for that purpose and pays to the insurer a surcharge equal to the higher of the following— $4 for each day the bus is to be used for that purpose; $10; and if a bus (a replacement bus ) falls into a class other than class 10B, the replacement bus may be used to replace a bus that falls into class 10B (a class 10B bus ), without affecting the classification of the replacement bus under schedule 1 , if— the replacement bus is used to replace a class 10B bus for a period, or a number of separate periods, of not more than 14 / 365 of the total registration period of the replacement bus; and before the replacement bus is used to replace a class 10B bus, the registered operator of the replacement bus advises the insurer of the day or days on which the replacement bus is to be used to replace a class 10B bus; and while the replacement bus is used to replace a class 10B bus, the class 10B bus is not used to transport passengers.\n- (a) if the motor vehicle is used only for primary production, the insurance premium is calculated on the basis appropriate to a vehicle used only for primary production even if the vehicle also belongs to another class that attracts a higher insurance premium; and\n- (b) if a bus falls into class 9 and also class 10A or 11, the bus is taken to fall into class 9, and not class 10A or 11, if— (i) the bus is not likely to be used for a purpose that would result in its classification under class 10A or 11 for a period, or a number of separate periods, of more than 14 / 365 of the total registration period for the bus; and (ii) before the bus is used for a purpose mentioned in subparagraph (i) , the registered operator of the bus advises the insurer of the day or days on which the bus is to be used for that purpose and pays to the insurer a surcharge equal to the higher of the following— (A) $4 for each day the bus is to be used for that purpose; (B) $10; and\n- (i) the bus is not likely to be used for a purpose that would result in its classification under class 10A or 11 for a period, or a number of separate periods, of more than 14 / 365 of the total registration period for the bus; and\n- (ii) before the bus is used for a purpose mentioned in subparagraph (i) , the registered operator of the bus advises the insurer of the day or days on which the bus is to be used for that purpose and pays to the insurer a surcharge equal to the higher of the following— (A) $4 for each day the bus is to be used for that purpose; (B) $10; and\n- (A) $4 for each day the bus is to be used for that purpose;\n- (B) $10; and\n- (c) if a bus (a replacement bus ) falls into a class other than class 10B, the replacement bus may be used to replace a bus that falls into class 10B (a class 10B bus ), without affecting the classification of the replacement bus under schedule 1 , if— (i) the replacement bus is used to replace a class 10B bus for a period, or a number of separate periods, of not more than 14 / 365 of the total registration period of the replacement bus; and (ii) before the replacement bus is used to replace a class 10B bus, the registered operator of the replacement bus advises the insurer of the day or days on which the replacement bus is to be used to replace a class 10B bus; and (iii) while the replacement bus is used to replace a class 10B bus, the class 10B bus is not used to transport passengers.\n- (i) the replacement bus is used to replace a class 10B bus for a period, or a number of separate periods, of not more than 14 / 365 of the total registration period of the replacement bus; and\n- (ii) before the replacement bus is used to replace a class 10B bus, the registered operator of the replacement bus advises the insurer of the day or days on which the replacement bus is to be used to replace a class 10B bus; and\n- (iii) while the replacement bus is used to replace a class 10B bus, the class 10B bus is not used to transport passengers.\n- (i) the bus is not likely to be used for a purpose that would result in its classification under class 10A or 11 for a period, or a number of separate periods, of more than 14 / 365 of the total registration period for the bus; and\n- (ii) before the bus is used for a purpose mentioned in subparagraph (i) , the registered operator of the bus advises the insurer of the day or days on which the bus is to be used for that purpose and pays to the insurer a surcharge equal to the higher of the following— (A) $4 for each day the bus is to be used for that purpose; (B) $10; and\n- (A) $4 for each day the bus is to be used for that purpose;\n- (B) $10; and\n- (A) $4 for each day the bus is to be used for that purpose;\n- (B) $10; and\n- (i) the replacement bus is used to replace a class 10B bus for a period, or a number of separate periods, of not more than 14 / 365 of the total registration period of the replacement bus; and\n- (ii) before the replacement bus is used to replace a class 10B bus, the registered operator of the replacement bus advises the insurer of the day or days on which the replacement bus is to be used to replace a class 10B bus; and\n- (iii) while the replacement bus is used to replace a class 10B bus, the class 10B bus is not used to transport passengers.","sortOrder":5},{"sectionNumber":"pt.3","sectionType":"part","heading":"CTP insurance policies","content":"# CTP insurance policies","sortOrder":6},{"sectionNumber":"pt.3-div.1","sectionType":"division","heading":"Matters about insurer’s premium","content":"## Matters about insurer’s premium","sortOrder":7},{"sectionNumber":"sec.5","sectionType":"section","heading":"Setting insurer’s premium— Act , ss 13 and 13A","content":"### sec.5 Setting insurer’s premium— Act , ss 13 and 13A\n\nFor section 13 (2) of the Act , each quarter is an assessment period.\nFor section 13A (7) of the Act , the time limit for an insurer to submit to the commission the premiums set by the insurer for an assessment period is the period—\nstarting on the day on which the insurer receives notice of the limits of insurer’s premium fixed by the commission for each class of CTP insurance; and\nSee section 13A (6) (b) of the Act .\nending on the day that is 10 weeks before the start of the assessment period.\nFor section 13A (9) of the Act , the time limit in relation to an assessment period is the day that is 9 weeks before the start of the assessment period.\nIf a motor vehicle is to be used for racing, pacemaking, or in reliability, speed or other trials, the insurer may impose a surcharge of $10 for each day of the registration period on which the motor vehicle is to be used for the purpose.\nA surcharge under subsection (4) —\nmust be paid directly to the insurer; and\nis taken not to be part of the insurance premium under the provisions of the Act and this regulation dealing with the collection, disbursement and refund of insurance premiums.\nThe limits of insurer’s premium fixed by the commission for a class 10A, 10B or 11 motor vehicle may include an amount worked out using the formula—\nwhere—\nN means the number of passenger seats in the vehicle.\nSA means an amount, for each passenger seat in the vehicle, decided by the commission.\nThe limits of insurer’s premium fixed by the commission for a class 22 motor vehicle may include an amount for each day more than 1 day the vehicle may be driven on roads while unregistered.\n(sec.5-ssec.1) For section 13 (2) of the Act , each quarter is an assessment period.\n(sec.5-ssec.2) For section 13A (7) of the Act , the time limit for an insurer to submit to the commission the premiums set by the insurer for an assessment period is the period— starting on the day on which the insurer receives notice of the limits of insurer’s premium fixed by the commission for each class of CTP insurance; and See section 13A (6) (b) of the Act . ending on the day that is 10 weeks before the start of the assessment period.\n(sec.5-ssec.3) For section 13A (9) of the Act , the time limit in relation to an assessment period is the day that is 9 weeks before the start of the assessment period.\n(sec.5-ssec.4) If a motor vehicle is to be used for racing, pacemaking, or in reliability, speed or other trials, the insurer may impose a surcharge of $10 for each day of the registration period on which the motor vehicle is to be used for the purpose.\n(sec.5-ssec.5) A surcharge under subsection (4) — must be paid directly to the insurer; and is taken not to be part of the insurance premium under the provisions of the Act and this regulation dealing with the collection, disbursement and refund of insurance premiums.\n(sec.5-ssec.6) The limits of insurer’s premium fixed by the commission for a class 10A, 10B or 11 motor vehicle may include an amount worked out using the formula— where— N means the number of passenger seats in the vehicle. SA means an amount, for each passenger seat in the vehicle, decided by the commission.\n(sec.5-ssec.7) The limits of insurer’s premium fixed by the commission for a class 22 motor vehicle may include an amount for each day more than 1 day the vehicle may be driven on roads while unregistered.\n- (a) starting on the day on which the insurer receives notice of the limits of insurer’s premium fixed by the commission for each class of CTP insurance; and Note— See section 13A (6) (b) of the Act .\n- (b) ending on the day that is 10 weeks before the start of the assessment period.\n- (a) must be paid directly to the insurer; and\n- (b) is taken not to be part of the insurance premium under the provisions of the Act and this regulation dealing with the collection, disbursement and refund of insurance premiums.","sortOrder":8},{"sectionNumber":"sec.6","sectionType":"section","heading":"Additional amount for insurer’s premium— Act , s 13","content":"### sec.6 Additional amount for insurer’s premium— Act , s 13\n\nFor section 13 (3B) (b) of the Act , the additional amount for a CTP insurance policy for a class of motor vehicles is an amount equal to the percentage, stated for the class in schedule 2 , column 2, of the insurer’s premium set under section 13 (1) of the Act for the motor vehicle’s class of insurance.","sortOrder":9},{"sectionNumber":"sec.7","sectionType":"section","heading":null,"content":"### Section sec.7\n\ns 7 sub 2019 SL No. 34 s 4\nom 2019 SL No. 201 s 4","sortOrder":10},{"sectionNumber":"sec.8","sectionType":"section","heading":"Levies and administration fee— Act , s 14A","content":"### sec.8 Levies and administration fee— Act , s 14A\n\nThe following levies for the financial year starting on 1 July 2025 are fixed under schedule 3 —\nthe statutory insurance scheme levy;\nthe hospital and emergency services levy;\nthe Nominal Defendant levy.\nThe administration fee for the financial year starting on 1 July 2025 is fixed at $8.65.\nThe levies and administration fee fixed under subsection (1) or (2) are the amounts for a registration period of 1 year and, if the registration period is more or less than 1 year, the amount of a levy or the administration fee is to be worked out using the formula—\nwhere—\nA is the amount of the levy fixed under subsection (1) or the amount of the administration fee fixed under subsection (2) .\nN is the number of days in the registration period.\nDespite subsection (3) , if the motor vehicle is a motor vehicle, other than a trailer, for which an unregistered vehicle permit has been or is to be issued, the levy and administration fee fixed under subsections (1) and (2) apply regardless of the period of the permit.\ns 8 amd 2019 SL No. 34 s 5 ; 2020 SL No. 38 s 4 ; 2021 SL No. 22 s 4 ; 2022 SL No. 32 s 4 ; 2023 SL No. 22 s 4 ; 2024 SL No. 28 s 4 ; 2025 SL No. 17 s 4\n(sec.8-ssec.1) The following levies for the financial year starting on 1 July 2025 are fixed under schedule 3 — the statutory insurance scheme levy; the hospital and emergency services levy; the Nominal Defendant levy.\n(sec.8-ssec.2) The administration fee for the financial year starting on 1 July 2025 is fixed at $8.65.\n(sec.8-ssec.3) The levies and administration fee fixed under subsection (1) or (2) are the amounts for a registration period of 1 year and, if the registration period is more or less than 1 year, the amount of a levy or the administration fee is to be worked out using the formula— where— A is the amount of the levy fixed under subsection (1) or the amount of the administration fee fixed under subsection (2) . N is the number of days in the registration period.\n(sec.8-ssec.4) Despite subsection (3) , if the motor vehicle is a motor vehicle, other than a trailer, for which an unregistered vehicle permit has been or is to be issued, the levy and administration fee fixed under subsections (1) and (2) apply regardless of the period of the permit.\n- (a) the statutory insurance scheme levy;\n- (b) the hospital and emergency services levy;\n- (c) the Nominal Defendant levy.","sortOrder":11},{"sectionNumber":"sec.9","sectionType":"section","heading":"Change in vehicle class involving higher insurer’s premium","content":"### sec.9 Change in vehicle class involving higher insurer’s premium\n\nThis section applies if a change to a registered motor vehicle or its use changes the vehicle’s class to a class for which a higher insurer’s premium would have been payable if the change had happened before the relevant date.\nThe registered operator of the vehicle must—\nbefore the change is made—\ngive the vehicle’s insurer written notice of the change and when it is to be made; and\npay the insurer the premium shortfall; and\nas soon as practicable, but not more than 14 days, after giving notice under paragraph (a) (i) , give transport administration a written notice—\nidentifying the vehicle and the registered operator; and\nstating the nature of the change to the vehicle or its use and when the change was, or is to be, made; and\ncontaining or accompanied by a receipt or other evidence that the premium shortfall has been paid.\nMaximum penalty—20 penalty units.\nHowever, if the change is to happen on a transfer of the vehicle’s registration, transport administration may arrange with the registered operator to notify the vehicle’s insurer of the change on the registered operator’s behalf.\nIf an arrangement is made under subsection (3) —\nsubsection (2) does not apply to the registered operator; and\ntransport administration must give the vehicle’s insurer written notice of the change and when it was made; and\nthe new registered operator must, if asked by the insurer, pay the insurer the premium shortfall.\nIn this section—\nformula amount means the amount worked out using the formula—\nwhere—\nA means the number of days remaining in the vehicle’s registration period after the change.\nP 1 means the annual insurer’s premium, calculated at the relevant date, for the vehicle’s class after the change.\nP 2 means the annual insurer’s premium, calculated at the relevant date, for the class under which the vehicle was insured before the change.\npremium shortfall means the higher of the following amounts—\nthe formula amount;\n$10.\nrelevant date means the first day of the registration period in which the change to the registered motor vehicle or its use happens.\n(sec.9-ssec.1) This section applies if a change to a registered motor vehicle or its use changes the vehicle’s class to a class for which a higher insurer’s premium would have been payable if the change had happened before the relevant date.\n(sec.9-ssec.2) The registered operator of the vehicle must— before the change is made— give the vehicle’s insurer written notice of the change and when it is to be made; and pay the insurer the premium shortfall; and as soon as practicable, but not more than 14 days, after giving notice under paragraph (a) (i) , give transport administration a written notice— identifying the vehicle and the registered operator; and stating the nature of the change to the vehicle or its use and when the change was, or is to be, made; and containing or accompanied by a receipt or other evidence that the premium shortfall has been paid. Maximum penalty—20 penalty units.\n(sec.9-ssec.3) However, if the change is to happen on a transfer of the vehicle’s registration, transport administration may arrange with the registered operator to notify the vehicle’s insurer of the change on the registered operator’s behalf.\n(sec.9-ssec.4) If an arrangement is made under subsection (3) — subsection (2) does not apply to the registered operator; and transport administration must give the vehicle’s insurer written notice of the change and when it was made; and the new registered operator must, if asked by the insurer, pay the insurer the premium shortfall.\n(sec.9-ssec.5) In this section— formula amount means the amount worked out using the formula— where— A means the number of days remaining in the vehicle’s registration period after the change. P 1 means the annual insurer’s premium, calculated at the relevant date, for the vehicle’s class after the change. P 2 means the annual insurer’s premium, calculated at the relevant date, for the class under which the vehicle was insured before the change. premium shortfall means the higher of the following amounts— the formula amount; $10. relevant date means the first day of the registration period in which the change to the registered motor vehicle or its use happens.\n- (a) before the change is made— (i) give the vehicle’s insurer written notice of the change and when it is to be made; and (ii) pay the insurer the premium shortfall; and\n- (i) give the vehicle’s insurer written notice of the change and when it is to be made; and\n- (ii) pay the insurer the premium shortfall; and\n- (b) as soon as practicable, but not more than 14 days, after giving notice under paragraph (a) (i) , give transport administration a written notice— (i) identifying the vehicle and the registered operator; and (ii) stating the nature of the change to the vehicle or its use and when the change was, or is to be, made; and (iii) containing or accompanied by a receipt or other evidence that the premium shortfall has been paid.\n- (i) identifying the vehicle and the registered operator; and\n- (ii) stating the nature of the change to the vehicle or its use and when the change was, or is to be, made; and\n- (iii) containing or accompanied by a receipt or other evidence that the premium shortfall has been paid.\n- (i) give the vehicle’s insurer written notice of the change and when it is to be made; and\n- (ii) pay the insurer the premium shortfall; and\n- (i) identifying the vehicle and the registered operator; and\n- (ii) stating the nature of the change to the vehicle or its use and when the change was, or is to be, made; and\n- (iii) containing or accompanied by a receipt or other evidence that the premium shortfall has been paid.\n- (a) subsection (2) does not apply to the registered operator; and\n- (b) transport administration must give the vehicle’s insurer written notice of the change and when it was made; and\n- (c) the new registered operator must, if asked by the insurer, pay the insurer the premium shortfall.\n- (a) the formula amount;\n- (b) $10.","sortOrder":12},{"sectionNumber":"sec.10","sectionType":"section","heading":"Change in vehicle class involving lower insurer’s premium","content":"### sec.10 Change in vehicle class involving lower insurer’s premium\n\nThis section applies if a change to a registered motor vehicle or its use changes the vehicle’s class to a class for which a lower insurer’s premium would have been payable if the change had happened before the relevant date.\nHowever, this section applies only if the change is intended to be permanent.\nThe registered operator of the vehicle may ask the vehicle’s insurer for a refund of part of the insurer’s premium paid for the vehicle by giving the vehicle’s insurer a written notice—\nstating the nature of the change to the vehicle or its use and when the change was, or is to be, made; and\ncontaining or accompanied by evidence the change in class has been accepted by transport administration.\nBefore asking for the refund, the registered operator must give transport administration a written notice—\nidentifying the vehicle and the registered operator; and\nstating the nature of the change to the vehicle or its use and when the change was, or is to be, made; and\nif the change is a change in the use of the vehicle—containing enough information to show the change is intended to be permanent.\nTransport administration may ask for some or all information stated in the written notice to be verified by statutory declaration.\nThe vehicle’s insurer must give the registered operator the refund within 1 month after receiving the request for the refund.\nHowever, an insurer is not required to give the refund if—\nthe person making the request for the refund did not pay the insurance premium; or\nthe refund amount calculated under this section is less than $10; or\nthere has already been a refund given under this section in relation to the vehicle in the same registration period.\nThe amount of the refund must be worked out using the formula—\nwhere—\nA means the number of days remaining in the vehicle’s registration period after the change.\nP 1 means the annual insurer’s premium, calculated at the relevant date, for the class under which the vehicle was insured before the change.\nP 2 means the annual insurer’s premium, calculated at the relevant date, for the vehicle’s class after the change.\nNo right to the refund of a levy or the administration fee arises on change of class of a registered motor vehicle in the registration period.\nIn this section—\nrelevant date means the first day of the registration period in which the change to the registered motor vehicle or its use happens.\n(sec.10-ssec.1) This section applies if a change to a registered motor vehicle or its use changes the vehicle’s class to a class for which a lower insurer’s premium would have been payable if the change had happened before the relevant date.\n(sec.10-ssec.2) However, this section applies only if the change is intended to be permanent.\n(sec.10-ssec.3) The registered operator of the vehicle may ask the vehicle’s insurer for a refund of part of the insurer’s premium paid for the vehicle by giving the vehicle’s insurer a written notice— stating the nature of the change to the vehicle or its use and when the change was, or is to be, made; and containing or accompanied by evidence the change in class has been accepted by transport administration.\n(sec.10-ssec.4) Before asking for the refund, the registered operator must give transport administration a written notice— identifying the vehicle and the registered operator; and stating the nature of the change to the vehicle or its use and when the change was, or is to be, made; and if the change is a change in the use of the vehicle—containing enough information to show the change is intended to be permanent.\n(sec.10-ssec.5) Transport administration may ask for some or all information stated in the written notice to be verified by statutory declaration.\n(sec.10-ssec.6) The vehicle’s insurer must give the registered operator the refund within 1 month after receiving the request for the refund.\n(sec.10-ssec.7) However, an insurer is not required to give the refund if— the person making the request for the refund did not pay the insurance premium; or the refund amount calculated under this section is less than $10; or there has already been a refund given under this section in relation to the vehicle in the same registration period.\n(sec.10-ssec.8) The amount of the refund must be worked out using the formula— where— A means the number of days remaining in the vehicle’s registration period after the change. P 1 means the annual insurer’s premium, calculated at the relevant date, for the class under which the vehicle was insured before the change. P 2 means the annual insurer’s premium, calculated at the relevant date, for the vehicle’s class after the change.\n(sec.10-ssec.9) No right to the refund of a levy or the administration fee arises on change of class of a registered motor vehicle in the registration period.\n(sec.10-ssec.10) In this section— relevant date means the first day of the registration period in which the change to the registered motor vehicle or its use happens.\n- (a) stating the nature of the change to the vehicle or its use and when the change was, or is to be, made; and\n- (b) containing or accompanied by evidence the change in class has been accepted by transport administration.\n- (a) identifying the vehicle and the registered operator; and\n- (b) stating the nature of the change to the vehicle or its use and when the change was, or is to be, made; and\n- (c) if the change is a change in the use of the vehicle—containing enough information to show the change is intended to be permanent.\n- (a) the person making the request for the refund did not pay the insurance premium; or\n- (b) the refund amount calculated under this section is less than $10; or\n- (c) there has already been a refund given under this section in relation to the vehicle in the same registration period.","sortOrder":13},{"sectionNumber":"sec.11","sectionType":"section","heading":"Change in vehicle class not affecting insurer’s premium","content":"### sec.11 Change in vehicle class not affecting insurer’s premium\n\nThis section applies if a change to a registered motor vehicle or its use changes the vehicle’s class without affecting the insurer’s premium that would have been payable if the change had happened before the relevant date.\nThe registered operator of the vehicle must, before or within 14 days after the change, give transport administration a written notice—\nidentifying the vehicle and the registered operator; and\nstating the nature of the change to the vehicle or its use and when the change was, or is to be, made.\nMaximum penalty—4 penalty units.\nIn this section—\nrelevant date means the first day of the registration period in which the change to the registered motor vehicle or its use happens.\n(sec.11-ssec.1) This section applies if a change to a registered motor vehicle or its use changes the vehicle’s class without affecting the insurer’s premium that would have been payable if the change had happened before the relevant date.\n(sec.11-ssec.2) The registered operator of the vehicle must, before or within 14 days after the change, give transport administration a written notice— identifying the vehicle and the registered operator; and stating the nature of the change to the vehicle or its use and when the change was, or is to be, made. Maximum penalty—4 penalty units.\n(sec.11-ssec.3) In this section— relevant date means the first day of the registration period in which the change to the registered motor vehicle or its use happens.\n- (a) identifying the vehicle and the registered operator; and\n- (b) stating the nature of the change to the vehicle or its use and when the change was, or is to be, made.","sortOrder":14},{"sectionNumber":"sec.12","sectionType":"section","heading":"Refund on cancellation of registration","content":"### sec.12 Refund on cancellation of registration\n\nThis section applies if the registration of a motor vehicle is cancelled before the end of the registration period for the vehicle.\nThe registered operator of the vehicle at the time of the cancellation, or transport administration, may request a refund of the calculated amount from the vehicle’s insurer.\nThe request for the refund must be supported by a written statement from transport administration confirming the cancellation of the registration and the date of the cancellation.\nThe vehicle’s insurer must refund the calculated amount to the registered operator of the vehicle within 1 month after receiving the request for the refund.\nHowever, the insurer is not required to give a refund if the calculated amount is less than $10.\nNo right to the refund of a levy or the administration fee arises on cancellation of the registration of a motor vehicle.\nIn this section—\ncalculated amount means the amount worked out using the formula—\nwhere—\nA means the number of days remaining in the registration period.\nB means the total number of days in the registration period.\nIP means the insurer’s premium paid for the registration period.\n(sec.12-ssec.1) This section applies if the registration of a motor vehicle is cancelled before the end of the registration period for the vehicle.\n(sec.12-ssec.2) The registered operator of the vehicle at the time of the cancellation, or transport administration, may request a refund of the calculated amount from the vehicle’s insurer.\n(sec.12-ssec.3) The request for the refund must be supported by a written statement from transport administration confirming the cancellation of the registration and the date of the cancellation.\n(sec.12-ssec.4) The vehicle’s insurer must refund the calculated amount to the registered operator of the vehicle within 1 month after receiving the request for the refund.\n(sec.12-ssec.5) However, the insurer is not required to give a refund if the calculated amount is less than $10.\n(sec.12-ssec.6) No right to the refund of a levy or the administration fee arises on cancellation of the registration of a motor vehicle.\n(sec.12-ssec.7) In this section— calculated amount means the amount worked out using the formula— where— A means the number of days remaining in the registration period. B means the total number of days in the registration period. IP means the insurer’s premium paid for the registration period.","sortOrder":15},{"sectionNumber":"sec.13","sectionType":"section","heading":"Refund by transport administration","content":"### sec.13 Refund by transport administration\n\nTransport administration may give a refund under section 10 or 12 on behalf of the insurer of a motor vehicle if—\ntransport administration has arranged with the insurer to give refunds for the insurer; or\nthe commission has asked transport administration to give refunds for the insurer.\n- (a) transport administration has arranged with the insurer to give refunds for the insurer; or\n- (b) the commission has asked transport administration to give refunds for the insurer.","sortOrder":16},{"sectionNumber":"pt.3-div.2","sectionType":"division","heading":"Other matters","content":"## Other matters","sortOrder":17},{"sectionNumber":"sec.14","sectionType":"section","heading":"Gratuitous insurance— Act , s 23","content":"### sec.14 Gratuitous insurance— Act , s 23\n\nFor section 23 (7) of the Act , motorised mobility devices are a class of vehicles for which gratuitous insurance is provided by the Nominal Defendant.\nIn this section—\nmotorised mobility device see the Transport Operations (Road Use Management) Act 1995 , schedule 4 .\ns 14 amd 2022 No. 19 s 3\n(sec.14-ssec.1) For section 23 (7) of the Act , motorised mobility devices are a class of vehicles for which gratuitous insurance is provided by the Nominal Defendant.\n(sec.14-ssec.2) In this section— motorised mobility device see the Transport Operations (Road Use Management) Act 1995 , schedule 4 .","sortOrder":18},{"sectionNumber":"sec.15","sectionType":"section","heading":"Rate of interest for amount owed to transport administration— Act , s 27A","content":"### sec.15 Rate of interest for amount owed to transport administration— Act , s 27A\n\nFor section 27A (3) of the Act , the rate of interest is the yield for Commonwealth Government 10-year bonds (monthly) published by the Reserve Bank of Australia, as at the beginning of the quarter in which the payment should have been made.\nThe rate of interest is available on the Reserve Bank of Australia’s website.","sortOrder":19},{"sectionNumber":"pt.4","sectionType":"part","heading":"Claims","content":"# Claims","sortOrder":20},{"sectionNumber":"pt.4-div.1","sectionType":"division","heading":"Notices of claims and additional information forms","content":"## Notices of claims and additional information forms","sortOrder":21},{"sectionNumber":"sec.16","sectionType":"section","heading":"Notice of claim—generally","content":"### sec.16 Notice of claim—generally\n\nA notice of claim must—\nbe in a form approved by the commission; and\nbe signed and witnessed as shown in the form; and\nif the form states that some or all of the information to be provided by the claimant in the notice must be verified by the claimant on oath—contain the form of the oath completed, as shown on the form, by the claimant and a person who is permitted by law to administer the oath.\n- (a) be in a form approved by the commission; and\n- (b) be signed and witnessed as shown in the form; and\n- (c) if the form states that some or all of the information to be provided by the claimant in the notice must be verified by the claimant on oath—contain the form of the oath completed, as shown on the form, by the claimant and a person who is permitted by law to administer the oath.","sortOrder":22},{"sectionNumber":"sec.17","sectionType":"section","heading":"Statement of information for notice of claim— Act , s 37 (1) (a)","content":"### sec.17 Statement of information for notice of claim— Act , s 37 (1) (a)\n\nA notice of claim must include information about each of the following, to the extent the claimant knows or can reasonably find out the information—\nthe following information about the claimant—\nfull name and address;\ndate of birth;\ngender;\noccupation and, if the claimant is employed, the name and address of the employer;\nemail address;\nmedicare number;\nwhether the claimant requires an interpreter and, if so, the language of the interpreter;\nthe following information about the accident—\nthe date, time and place of the accident;\nwhether the claimant, or for a derivative claim, the injured person, was involved in the accident as a driver or a passenger, or in another stated capacity;\nwhether the claimant, or for a derivative claim, the injured person, was using a protective device at the time of the accident and, if so, the nature of the protective device;\na seatbelt or safety helmet\ndetails of the claimant’s consumption of alcohol or drugs, or for a derivative claim, the injured person’s consumption of alcohol or drugs, within 12 hours immediately before the accident and, if the claimant or injured person was an occupant, but not the driver, of a motor vehicle involved in the accident, details of the driver’s consumption of alcohol or drugs within 12 hours immediately before the accident;\ndetails of how the accident happened;\na diagram showing, to the best of the claimant’s knowledge, the scene of the accident;\na diagram showing, to the best of the claimant’s knowledge, where the driver and each occupant of the vehicle was sitting in the vehicle at the time of the accident;\nthe following information about the cause of the accident—\nwho, in the claimant’s opinion, was responsible for causing the accident;\nwhy the claimant attributes responsibility to that person;\nthe make, model, type, colour, year of manufacture, and registration number of each vehicle involved in the accident;\nthe names, addresses, telephone numbers and email addresses of the owner and driver of each vehicle involved in the accident;\nwhether, in relation to the vehicle the claimant or, for a derivative claim, the injured person was travelling in at the time of the accident, a property damage claim has been made under a comprehensive insurance policy or a third party property damage policy;\nif a claim has been made under a policy mentioned in paragraph (f) —the insurer for the policy, the policy number and the number of any property damage claim made under the policy;\nthe names, addresses, telephone numbers and email addresses of the witnesses to the accident;\nthe name of the police officer who attended the scene of the accident, or to whom the accident was reported, and the police station where the police officer was stationed and the police accident report reference number for the accident;\nthe claimant’s occupation and income at the time of the accident;\nall significant disabilities suffered by the claimant;\nwhether the claimant is a participant in the injury insurance scheme in relation to an injury resulting from the motor vehicle accident the subject of the claim;\nwhether an application has been made under the National Injury Act for approval for the claimant to participate in the injury insurance scheme in relation to an injury resulting from the motor vehicle accident the subject of the claim;\nall claims made by the claimant for damages, compensation or social security benefits for a significant disability;\nall amounts received by the claimant by way of damages, compensation or social security benefits for a significant disability;\nfor a claim other than a derivative claim—\nthe date the claimant was first physically examined by a doctor in relation to personal injury resulting from the accident; and\nthe date the claimant was first physically examined by the certifying doctor in relation to personal injury resulting from the accident; and\nthe unique identifier given to the certifying doctor under the Health Practitioner Regulation National Law , section 233 ;\nif the claimant consulted a lawyer about the possibility of making a claim—the date the claimant first consulted the lawyer;\nif the claimant has retained a law practice to act for the claimant in relation to the claim—\nthe name of the law practice; and\nthe date the claimant retained the law practice.\nAlso, a notice of claim must include—\na statement of the nature and extent of the claimant’s loss, to the extent it can be assessed at the date of the notice; and\na statement of an amount the claimant would be willing to accept in full satisfaction of the claim (an offer of settlement ) or a statement of why the claimant is not yet in a position to make an offer of settlement.\nFor a notice of claim, a disability is significant if—\nthe disability may be relevant to the assessment of the extent of the injury suffered by the claimant in the accident; or\nthe disability or its symptoms lasted for 4 weeks or more.\nIn this section—\ncertifying doctor means the doctor who signed the certificate mentioned in section 18 (1) (a) .\ninjured person includes a person who dies as a result of injury received in a motor vehicle accident.\ns 17 amd 2019 No. 36 s 28 ; 2020 SL No. 38 s 5\n(sec.17-ssec.1) A notice of claim must include information about each of the following, to the extent the claimant knows or can reasonably find out the information— the following information about the claimant— full name and address; date of birth; gender; occupation and, if the claimant is employed, the name and address of the employer; email address; medicare number; whether the claimant requires an interpreter and, if so, the language of the interpreter; the following information about the accident— the date, time and place of the accident; whether the claimant, or for a derivative claim, the injured person, was involved in the accident as a driver or a passenger, or in another stated capacity; whether the claimant, or for a derivative claim, the injured person, was using a protective device at the time of the accident and, if so, the nature of the protective device; a seatbelt or safety helmet details of the claimant’s consumption of alcohol or drugs, or for a derivative claim, the injured person’s consumption of alcohol or drugs, within 12 hours immediately before the accident and, if the claimant or injured person was an occupant, but not the driver, of a motor vehicle involved in the accident, details of the driver’s consumption of alcohol or drugs within 12 hours immediately before the accident; details of how the accident happened; a diagram showing, to the best of the claimant’s knowledge, the scene of the accident; a diagram showing, to the best of the claimant’s knowledge, where the driver and each occupant of the vehicle was sitting in the vehicle at the time of the accident; the following information about the cause of the accident— who, in the claimant’s opinion, was responsible for causing the accident; why the claimant attributes responsibility to that person; the make, model, type, colour, year of manufacture, and registration number of each vehicle involved in the accident; the names, addresses, telephone numbers and email addresses of the owner and driver of each vehicle involved in the accident; whether, in relation to the vehicle the claimant or, for a derivative claim, the injured person was travelling in at the time of the accident, a property damage claim has been made under a comprehensive insurance policy or a third party property damage policy; if a claim has been made under a policy mentioned in paragraph (f) —the insurer for the policy, the policy number and the number of any property damage claim made under the policy; the names, addresses, telephone numbers and email addresses of the witnesses to the accident; the name of the police officer who attended the scene of the accident, or to whom the accident was reported, and the police station where the police officer was stationed and the police accident report reference number for the accident; the claimant’s occupation and income at the time of the accident; all significant disabilities suffered by the claimant; whether the claimant is a participant in the injury insurance scheme in relation to an injury resulting from the motor vehicle accident the subject of the claim; whether an application has been made under the National Injury Act for approval for the claimant to participate in the injury insurance scheme in relation to an injury resulting from the motor vehicle accident the subject of the claim; all claims made by the claimant for damages, compensation or social security benefits for a significant disability; all amounts received by the claimant by way of damages, compensation or social security benefits for a significant disability; for a claim other than a derivative claim— the date the claimant was first physically examined by a doctor in relation to personal injury resulting from the accident; and the date the claimant was first physically examined by the certifying doctor in relation to personal injury resulting from the accident; and the unique identifier given to the certifying doctor under the Health Practitioner Regulation National Law , section 233 ; if the claimant consulted a lawyer about the possibility of making a claim—the date the claimant first consulted the lawyer; if the claimant has retained a law practice to act for the claimant in relation to the claim— the name of the law practice; and the date the claimant retained the law practice.\n(sec.17-ssec.2) Also, a notice of claim must include— a statement of the nature and extent of the claimant’s loss, to the extent it can be assessed at the date of the notice; and a statement of an amount the claimant would be willing to accept in full satisfaction of the claim (an offer of settlement ) or a statement of why the claimant is not yet in a position to make an offer of settlement.\n(sec.17-ssec.3) For a notice of claim, a disability is significant if— the disability may be relevant to the assessment of the extent of the injury suffered by the claimant in the accident; or the disability or its symptoms lasted for 4 weeks or more.\n(sec.17-ssec.4) In this section— certifying doctor means the doctor who signed the certificate mentioned in section 18 (1) (a) . injured person includes a person who dies as a result of injury received in a motor vehicle accident.\n- (a) the following information about the claimant— (i) full name and address; (ii) date of birth; (iii) gender; (iv) occupation and, if the claimant is employed, the name and address of the employer; (v) email address; (vi) medicare number; (vii) whether the claimant requires an interpreter and, if so, the language of the interpreter;\n- (i) full name and address;\n- (ii) date of birth;\n- (iii) gender;\n- (iv) occupation and, if the claimant is employed, the name and address of the employer;\n- (v) email address;\n- (vi) medicare number;\n- (vii) whether the claimant requires an interpreter and, if so, the language of the interpreter;\n- (b) the following information about the accident— (i) the date, time and place of the accident; (ii) whether the claimant, or for a derivative claim, the injured person, was involved in the accident as a driver or a passenger, or in another stated capacity; (iii) whether the claimant, or for a derivative claim, the injured person, was using a protective device at the time of the accident and, if so, the nature of the protective device; Example of protective device— a seatbelt or safety helmet (iv) details of the claimant’s consumption of alcohol or drugs, or for a derivative claim, the injured person’s consumption of alcohol or drugs, within 12 hours immediately before the accident and, if the claimant or injured person was an occupant, but not the driver, of a motor vehicle involved in the accident, details of the driver’s consumption of alcohol or drugs within 12 hours immediately before the accident; (v) details of how the accident happened; (vi) a diagram showing, to the best of the claimant’s knowledge, the scene of the accident; (vii) a diagram showing, to the best of the claimant’s knowledge, where the driver and each occupant of the vehicle was sitting in the vehicle at the time of the accident;\n- (i) the date, time and place of the accident;\n- (ii) whether the claimant, or for a derivative claim, the injured person, was involved in the accident as a driver or a passenger, or in another stated capacity;\n- (iii) whether the claimant, or for a derivative claim, the injured person, was using a protective device at the time of the accident and, if so, the nature of the protective device; Example of protective device— a seatbelt or safety helmet\n- (iv) details of the claimant’s consumption of alcohol or drugs, or for a derivative claim, the injured person’s consumption of alcohol or drugs, within 12 hours immediately before the accident and, if the claimant or injured person was an occupant, but not the driver, of a motor vehicle involved in the accident, details of the driver’s consumption of alcohol or drugs within 12 hours immediately before the accident;\n- (v) details of how the accident happened;\n- (vi) a diagram showing, to the best of the claimant’s knowledge, the scene of the accident;\n- (vii) a diagram showing, to the best of the claimant’s knowledge, where the driver and each occupant of the vehicle was sitting in the vehicle at the time of the accident;\n- (c) the following information about the cause of the accident— (i) who, in the claimant’s opinion, was responsible for causing the accident; (ii) why the claimant attributes responsibility to that person;\n- (i) who, in the claimant’s opinion, was responsible for causing the accident;\n- (ii) why the claimant attributes responsibility to that person;\n- (d) the make, model, type, colour, year of manufacture, and registration number of each vehicle involved in the accident;\n- (e) the names, addresses, telephone numbers and email addresses of the owner and driver of each vehicle involved in the accident;\n- (f) whether, in relation to the vehicle the claimant or, for a derivative claim, the injured person was travelling in at the time of the accident, a property damage claim has been made under a comprehensive insurance policy or a third party property damage policy;\n- (g) if a claim has been made under a policy mentioned in paragraph (f) —the insurer for the policy, the policy number and the number of any property damage claim made under the policy;\n- (h) the names, addresses, telephone numbers and email addresses of the witnesses to the accident;\n- (i) the name of the police officer who attended the scene of the accident, or to whom the accident was reported, and the police station where the police officer was stationed and the police accident report reference number for the accident;\n- (j) the claimant’s occupation and income at the time of the accident;\n- (k) all significant disabilities suffered by the claimant;\n- (l) whether the claimant is a participant in the injury insurance scheme in relation to an injury resulting from the motor vehicle accident the subject of the claim;\n- (m) whether an application has been made under the National Injury Act for approval for the claimant to participate in the injury insurance scheme in relation to an injury resulting from the motor vehicle accident the subject of the claim;\n- (n) all claims made by the claimant for damages, compensation or social security benefits for a significant disability;\n- (o) all amounts received by the claimant by way of damages, compensation or social security benefits for a significant disability;\n- (p) for a claim other than a derivative claim— (i) the date the claimant was first physically examined by a doctor in relation to personal injury resulting from the accident; and (ii) the date the claimant was first physically examined by the certifying doctor in relation to personal injury resulting from the accident; and (iii) the unique identifier given to the certifying doctor under the Health Practitioner Regulation National Law , section 233 ;\n- (i) the date the claimant was first physically examined by a doctor in relation to personal injury resulting from the accident; and\n- (ii) the date the claimant was first physically examined by the certifying doctor in relation to personal injury resulting from the accident; and\n- (iii) the unique identifier given to the certifying doctor under the Health Practitioner Regulation National Law , section 233 ;\n- (q) if the claimant consulted a lawyer about the possibility of making a claim—the date the claimant first consulted the lawyer;\n- (r) if the claimant has retained a law practice to act for the claimant in relation to the claim— (i) the name of the law practice; and (ii) the date the claimant retained the law practice.\n- (i) the name of the law practice; and\n- (ii) the date the claimant retained the law practice.\n- (i) full name and address;\n- (ii) date of birth;\n- (iii) gender;\n- (iv) occupation and, if the claimant is employed, the name and address of the employer;\n- (v) email address;\n- (vi) medicare number;\n- (vii) whether the claimant requires an interpreter and, if so, the language of the interpreter;\n- (i) the date, time and place of the accident;\n- (ii) whether the claimant, or for a derivative claim, the injured person, was involved in the accident as a driver or a passenger, or in another stated capacity;\n- (iii) whether the claimant, or for a derivative claim, the injured person, was using a protective device at the time of the accident and, if so, the nature of the protective device; Example of protective device— a seatbelt or safety helmet\n- (iv) details of the claimant’s consumption of alcohol or drugs, or for a derivative claim, the injured person’s consumption of alcohol or drugs, within 12 hours immediately before the accident and, if the claimant or injured person was an occupant, but not the driver, of a motor vehicle involved in the accident, details of the driver’s consumption of alcohol or drugs within 12 hours immediately before the accident;\n- (v) details of how the accident happened;\n- (vi) a diagram showing, to the best of the claimant’s knowledge, the scene of the accident;\n- (vii) a diagram showing, to the best of the claimant’s knowledge, where the driver and each occupant of the vehicle was sitting in the vehicle at the time of the accident;\n- (i) who, in the claimant’s opinion, was responsible for causing the accident;\n- (ii) why the claimant attributes responsibility to that person;\n- (i) the date the claimant was first physically examined by a doctor in relation to personal injury resulting from the accident; and\n- (ii) the date the claimant was first physically examined by the certifying doctor in relation to personal injury resulting from the accident; and\n- (iii) the unique identifier given to the certifying doctor under the Health Practitioner Regulation National Law , section 233 ;\n- (i) the name of the law practice; and\n- (ii) the date the claimant retained the law practice.\n- (a) a statement of the nature and extent of the claimant’s loss, to the extent it can be assessed at the date of the notice; and\n- (b) a statement of an amount the claimant would be willing to accept in full satisfaction of the claim (an offer of settlement ) or a statement of why the claimant is not yet in a position to make an offer of settlement.\n- (a) the disability may be relevant to the assessment of the extent of the injury suffered by the claimant in the accident; or\n- (b) the disability or its symptoms lasted for 4 weeks or more.","sortOrder":23},{"sectionNumber":"sec.18","sectionType":"section","heading":"Certificates and identity documents to accompany notice of claim— Act , s 37 (1) (e)","content":"### sec.18 Certificates and identity documents to accompany notice of claim— Act , s 37 (1) (e)\n\nA notice of claim must—\nif the claim is not a derivative claim—be accompanied by a certificate signed by a doctor stating—\nthe doctor’s name, address, email address, professional qualifications and medicare provider number; and\nthat the doctor physically examined the claimant; and\nwhether the claimant was, at the date of the accident, an existing patient of the doctor or of a medical practice in which the doctor practises or was practising; and\na description of the injury and its effects including the extent the injury has limited, or is likely to limit, the claimant’s ability to work; and\ndetails of hospitalisation and medical treatment to the date of the certificate and medical treatment the doctor considers will be necessary in the future; and\nif the claim is a derivative claim made by or for the dependants of a person who died as a result of injury received in a motor vehicle accident—be accompanied by a copy of the death certificate.\nAlso, a notice of claim must be accompanied by a certificate signed by the claimant that states—\nwhether the claimant is making the claim on the claimant’s own initiative; and\neither—\nthe claimant was not personally approached or contacted by a person and solicited or induced to make the claim; or\nif the claimant was personally approached or contacted by a person and solicited or induced to make the claim—the name of the person and the circumstances in which the claimant was personally approached or contacted; and\nif the claimant has retained a law practice to act for the claimant in relation to the claim—whether the claimant knows if the law practice gave consideration to a person for the referral of the claimant to the law practice.\nThe certificate mentioned in subsection (2) must be in a form approved by the commission and verified by statutory declaration.\nFurther, if the claimant is at least 15 years, a notice of claim must be accompanied by—\na certified copy of an identity document for the claimant that is current; or\nif the claimant does not hold an identity document—a recent certified photograph of the claimant.\nIn this section—\ncertified copy , of an identity document, means a copy of the document certified by any of the following persons to be a true copy of the document—\na lawyer;\na notary public;\na commissioner for declarations;\na justice of the peace.\nconsideration means a fee or other benefit but does not include a gift, other than money, or hospitality if the gift or hospitality has a value of $200 or less.\nidentity document , for a claimant, means a document issued by a government that is evidence of the claimant’s identity and contains a photograph of the claimant.\ninjured person includes a person who dies as a result of injury received in a motor vehicle accident.\nrecent certified photograph , of a claimant, means a passport-size photograph of the claimant taken within the last 2 years and certified to be a photograph of the claimant by a person who has known the claimant for at least 1 year.\ns 18 amd 2019 No. 36 s 29\n(sec.18-ssec.1) A notice of claim must— if the claim is not a derivative claim—be accompanied by a certificate signed by a doctor stating— the doctor’s name, address, email address, professional qualifications and medicare provider number; and that the doctor physically examined the claimant; and whether the claimant was, at the date of the accident, an existing patient of the doctor or of a medical practice in which the doctor practises or was practising; and a description of the injury and its effects including the extent the injury has limited, or is likely to limit, the claimant’s ability to work; and details of hospitalisation and medical treatment to the date of the certificate and medical treatment the doctor considers will be necessary in the future; and if the claim is a derivative claim made by or for the dependants of a person who died as a result of injury received in a motor vehicle accident—be accompanied by a copy of the death certificate.\n(sec.18-ssec.2) Also, a notice of claim must be accompanied by a certificate signed by the claimant that states— whether the claimant is making the claim on the claimant’s own initiative; and either— the claimant was not personally approached or contacted by a person and solicited or induced to make the claim; or if the claimant was personally approached or contacted by a person and solicited or induced to make the claim—the name of the person and the circumstances in which the claimant was personally approached or contacted; and if the claimant has retained a law practice to act for the claimant in relation to the claim—whether the claimant knows if the law practice gave consideration to a person for the referral of the claimant to the law practice.\n(sec.18-ssec.3) The certificate mentioned in subsection (2) must be in a form approved by the commission and verified by statutory declaration.\n(sec.18-ssec.4) Further, if the claimant is at least 15 years, a notice of claim must be accompanied by— a certified copy of an identity document for the claimant that is current; or if the claimant does not hold an identity document—a recent certified photograph of the claimant.\n(sec.18-ssec.5) In this section— certified copy , of an identity document, means a copy of the document certified by any of the following persons to be a true copy of the document— a lawyer; a notary public; a commissioner for declarations; a justice of the peace. consideration means a fee or other benefit but does not include a gift, other than money, or hospitality if the gift or hospitality has a value of $200 or less. identity document , for a claimant, means a document issued by a government that is evidence of the claimant’s identity and contains a photograph of the claimant. injured person includes a person who dies as a result of injury received in a motor vehicle accident. recent certified photograph , of a claimant, means a passport-size photograph of the claimant taken within the last 2 years and certified to be a photograph of the claimant by a person who has known the claimant for at least 1 year.\n- (a) if the claim is not a derivative claim—be accompanied by a certificate signed by a doctor stating— (i) the doctor’s name, address, email address, professional qualifications and medicare provider number; and (ii) that the doctor physically examined the claimant; and (iii) whether the claimant was, at the date of the accident, an existing patient of the doctor or of a medical practice in which the doctor practises or was practising; and (iv) a description of the injury and its effects including the extent the injury has limited, or is likely to limit, the claimant’s ability to work; and (v) details of hospitalisation and medical treatment to the date of the certificate and medical treatment the doctor considers will be necessary in the future; and\n- (i) the doctor’s name, address, email address, professional qualifications and medicare provider number; and\n- (ii) that the doctor physically examined the claimant; and\n- (iii) whether the claimant was, at the date of the accident, an existing patient of the doctor or of a medical practice in which the doctor practises or was practising; and\n- (iv) a description of the injury and its effects including the extent the injury has limited, or is likely to limit, the claimant’s ability to work; and\n- (v) details of hospitalisation and medical treatment to the date of the certificate and medical treatment the doctor considers will be necessary in the future; and\n- (b) if the claim is a derivative claim made by or for the dependants of a person who died as a result of injury received in a motor vehicle accident—be accompanied by a copy of the death certificate.\n- (i) the doctor’s name, address, email address, professional qualifications and medicare provider number; and\n- (ii) that the doctor physically examined the claimant; and\n- (iii) whether the claimant was, at the date of the accident, an existing patient of the doctor or of a medical practice in which the doctor practises or was practising; and\n- (iv) a description of the injury and its effects including the extent the injury has limited, or is likely to limit, the claimant’s ability to work; and\n- (v) details of hospitalisation and medical treatment to the date of the certificate and medical treatment the doctor considers will be necessary in the future; and\n- (a) whether the claimant is making the claim on the claimant’s own initiative; and\n- (b) either— (i) the claimant was not personally approached or contacted by a person and solicited or induced to make the claim; or (ii) if the claimant was personally approached or contacted by a person and solicited or induced to make the claim—the name of the person and the circumstances in which the claimant was personally approached or contacted; and\n- (i) the claimant was not personally approached or contacted by a person and solicited or induced to make the claim; or\n- (ii) if the claimant was personally approached or contacted by a person and solicited or induced to make the claim—the name of the person and the circumstances in which the claimant was personally approached or contacted; and\n- (c) if the claimant has retained a law practice to act for the claimant in relation to the claim—whether the claimant knows if the law practice gave consideration to a person for the referral of the claimant to the law practice.\n- (i) the claimant was not personally approached or contacted by a person and solicited or induced to make the claim; or\n- (ii) if the claimant was personally approached or contacted by a person and solicited or induced to make the claim—the name of the person and the circumstances in which the claimant was personally approached or contacted; and\n- (a) a certified copy of an identity document for the claimant that is current; or\n- (b) if the claimant does not hold an identity document—a recent certified photograph of the claimant.\n- (a) a lawyer;\n- (b) a notary public;\n- (c) a commissioner for declarations;\n- (d) a justice of the peace.","sortOrder":24},{"sectionNumber":"sec.19","sectionType":"section","heading":"Insurer to be given access to particular records— Act , s 37 (1) (b)","content":"### sec.19 Insurer to be given access to particular records— Act , s 37 (1) (b)\n\nA notice of claim must include written permission allowing the insurer to have access to, and to make copies of, records about the claimant and relevant to the claim in the possession of the following—\nother licensed insurers;\ninsurers that carry on the business of providing CTP insurance, workers’ compensation insurance, personal accident or illness insurance, or insurance against loss of income through disability;\na department, agency or instrumentality of the Commonwealth, the State or another State administering laws about police, transport, taxation or social welfare;\na hospital, including a private hospital;\nan ambulance or other emergency service;\na doctor, professional provider of rehabilitation services or person professionally qualified to assess cognitive, functional or vocational capacity;\nan employer or previous employer of the claimant;\nan educational institution;\nthe office of the director of public prosecutions;\nthe legal services commission;\nthe workers’ compensation regulator;\nthe insurance agency.\n- (a) other licensed insurers;\n- (b) insurers that carry on the business of providing CTP insurance, workers’ compensation insurance, personal accident or illness insurance, or insurance against loss of income through disability;\n- (c) a department, agency or instrumentality of the Commonwealth, the State or another State administering laws about police, transport, taxation or social welfare;\n- (d) a hospital, including a private hospital;\n- (e) an ambulance or other emergency service;\n- (f) a doctor, professional provider of rehabilitation services or person professionally qualified to assess cognitive, functional or vocational capacity;\n- (g) an employer or previous employer of the claimant;\n- (h) an educational institution;\n- (i) the office of the director of public prosecutions;\n- (j) the legal services commission;\n- (k) the workers’ compensation regulator;\n- (l) the insurance agency.","sortOrder":25},{"sectionNumber":"pt.4-div.2","sectionType":"division","heading":"Other matters about claims","content":"## Other matters about claims","sortOrder":26},{"sectionNumber":"sec.20","sectionType":"section","heading":"Offer of settlement","content":"### sec.20 Offer of settlement\n\nAn offer of settlement made by an insurer to a claimant must, if the claimant is not represented by a lawyer, be accompanied by an explanatory statement in a form approved by the commission.\nIf a claimant is not an adult of full capacity, an offer or counteroffer of settlement can not be made or accepted by or for the claimant unless the court or the public trustee—\nis satisfied that settlement of the claim on the terms proposed would be in the claimant’s best interests; and\napproves the terms of the offer or counteroffer.\nAn insurer is entitled to assume that an adult claimant is of full capacity unless—\nthe claimant’s mental incapacity is obvious and should be apparent to the insurer; or\nthe claimant is subject to a protection order under the Public Trustee Act 1978 ; or\nthe court makes a declaration under subsection (4) in relation to the claimant.\nOn application by an interested person, the court may declare a claimant to be under the court’s protection in negotiating settlement of the claim if—\nthe claimant is permanently or intermittently unable to manage the claimant’s affairs or to resist undue influence because of physical or mental illness or infirmity, or the influence of drugs; or\nthe claimant is in need of the court’s protection for another reason.\n(sec.20-ssec.1) An offer of settlement made by an insurer to a claimant must, if the claimant is not represented by a lawyer, be accompanied by an explanatory statement in a form approved by the commission.\n(sec.20-ssec.2) If a claimant is not an adult of full capacity, an offer or counteroffer of settlement can not be made or accepted by or for the claimant unless the court or the public trustee— is satisfied that settlement of the claim on the terms proposed would be in the claimant’s best interests; and approves the terms of the offer or counteroffer.\n(sec.20-ssec.3) An insurer is entitled to assume that an adult claimant is of full capacity unless— the claimant’s mental incapacity is obvious and should be apparent to the insurer; or the claimant is subject to a protection order under the Public Trustee Act 1978 ; or the court makes a declaration under subsection (4) in relation to the claimant.\n(sec.20-ssec.4) On application by an interested person, the court may declare a claimant to be under the court’s protection in negotiating settlement of the claim if— the claimant is permanently or intermittently unable to manage the claimant’s affairs or to resist undue influence because of physical or mental illness or infirmity, or the influence of drugs; or the claimant is in need of the court’s protection for another reason.\n- (a) is satisfied that settlement of the claim on the terms proposed would be in the claimant’s best interests; and\n- (b) approves the terms of the offer or counteroffer.\n- (a) the claimant’s mental incapacity is obvious and should be apparent to the insurer; or\n- (b) the claimant is subject to a protection order under the Public Trustee Act 1978 ; or\n- (c) the court makes a declaration under subsection (4) in relation to the claimant.\n- (a) the claimant is permanently or intermittently unable to manage the claimant’s affairs or to resist undue influence because of physical or mental illness or infirmity, or the influence of drugs; or\n- (b) the claimant is in need of the court’s protection for another reason.","sortOrder":27},{"sectionNumber":"sec.21","sectionType":"section","heading":"Verification and payment of expenses— Act , ss 42 and 51","content":"### sec.21 Verification and payment of expenses— Act , ss 42 and 51\n\nIf a claimant asks an insurer for payment or reimbursement of private hospital, medical and pharmaceutical expenses under section 42 of the Act , or rehabilitation expenses under section 51 of the Act , the request must—\nbe for a total amount of at least $200; and\nbe accompanied by receipts, unpaid accounts or other appropriate evidence of the expenses.\nHowever, if the claimant expects to make no further request for payment or reimbursement of expenses, the request may be for the outstanding total of the expenses even though the amount is less than $200.\nIf the insurer reasonably requires, the claimant must give the insurer a certificate from the doctor responsible for treating the personal injury relevant to the expenses certifying that the expenses were reasonably incurred having regard to the nature and extent of the injury.\n(sec.21-ssec.1) If a claimant asks an insurer for payment or reimbursement of private hospital, medical and pharmaceutical expenses under section 42 of the Act , or rehabilitation expenses under section 51 of the Act , the request must— be for a total amount of at least $200; and be accompanied by receipts, unpaid accounts or other appropriate evidence of the expenses.\n(sec.21-ssec.2) However, if the claimant expects to make no further request for payment or reimbursement of expenses, the request may be for the outstanding total of the expenses even though the amount is less than $200.\n(sec.21-ssec.3) If the insurer reasonably requires, the claimant must give the insurer a certificate from the doctor responsible for treating the personal injury relevant to the expenses certifying that the expenses were reasonably incurred having regard to the nature and extent of the injury.\n- (a) be for a total amount of at least $200; and\n- (b) be accompanied by receipts, unpaid accounts or other appropriate evidence of the expenses.","sortOrder":28},{"sectionNumber":"sec.22","sectionType":"section","heading":"Insurer to give information to claimant","content":"### sec.22 Insurer to give information to claimant\n\nIf an insurer obtains information about a claimant under section 19 , the insurer must give the information to the claimant within 1 month after obtaining it.\nHowever, an insurer may withhold information from a claimant if the insurer has reasonable grounds to suspect the claimant of fraud.\nIf an insurer withholds information from a claimant, the insurer must inform the commission of the decision, and of the grounds on which it was made, within 1 month after deciding to withhold the information.\n(sec.22-ssec.1) If an insurer obtains information about a claimant under section 19 , the insurer must give the information to the claimant within 1 month after obtaining it.\n(sec.22-ssec.2) However, an insurer may withhold information from a claimant if the insurer has reasonable grounds to suspect the claimant of fraud.\n(sec.22-ssec.3) If an insurer withholds information from a claimant, the insurer must inform the commission of the decision, and of the grounds on which it was made, within 1 month after deciding to withhold the information.","sortOrder":29},{"sectionNumber":"pt.5","sectionType":"part","heading":"Licensed insurers","content":"# Licensed insurers","sortOrder":30},{"sectionNumber":"sec.23","sectionType":"section","heading":"Information and materials for application— Act , s 62 (2) (b)","content":"### sec.23 Information and materials for application— Act , s 62 (2) (b)\n\nAn application for a licence under part 5 of the Act must be accompanied by all of the following—\na description of the applicant, the nature of its business and its experience in the business of general insurance in the State;\na copy of the Act , charter, deed of settlement, memorandum and articles of association or other document by which the applicant is established;\nif the applicant is a body corporate limited by shares—\nparticulars of the applicant’s capital structure, the classes of its shares and its paid-up share capital; and\nparticulars of the applicant’s shareholders;\nparticulars of the applicant’s directors, or the members of its governing body;\nparticulars of the managers and staff who are to be involved in the applicant’s CTP insurance business;\nparticulars of entities with which the applicant is associated in its insurance business;\nif the applicant is subject to the Corporations Act —copies of the returns and accounts of the applicant for the last 3 years under that Act;\nif the applicant is subject to the Insurance Act 1973 (Cwlth) —copies of the applicant’s returns for the last 3 years under that Act;\nfull particulars of reinsurance arrangements or proposed reinsurance arrangements for the applicant’s CTP insurance business;\na business plan describing how the applicant’s CTP insurance business is to be conducted, including details about marketing, claims handling, the provision of rehabilitation services, the keeping of records, systems management and control of costs.\n- (a) a description of the applicant, the nature of its business and its experience in the business of general insurance in the State;\n- (b) a copy of the Act , charter, deed of settlement, memorandum and articles of association or other document by which the applicant is established;\n- (c) if the applicant is a body corporate limited by shares— (i) particulars of the applicant’s capital structure, the classes of its shares and its paid-up share capital; and (ii) particulars of the applicant’s shareholders;\n- (i) particulars of the applicant’s capital structure, the classes of its shares and its paid-up share capital; and\n- (ii) particulars of the applicant’s shareholders;\n- (d) particulars of the applicant’s directors, or the members of its governing body;\n- (e) particulars of the managers and staff who are to be involved in the applicant’s CTP insurance business;\n- (f) particulars of entities with which the applicant is associated in its insurance business;\n- (g) if the applicant is subject to the Corporations Act —copies of the returns and accounts of the applicant for the last 3 years under that Act;\n- (h) if the applicant is subject to the Insurance Act 1973 (Cwlth) —copies of the applicant’s returns for the last 3 years under that Act;\n- (i) full particulars of reinsurance arrangements or proposed reinsurance arrangements for the applicant’s CTP insurance business;\n- (j) a business plan describing how the applicant’s CTP insurance business is to be conducted, including details about marketing, claims handling, the provision of rehabilitation services, the keeping of records, systems management and control of costs.\n- (i) particulars of the applicant’s capital structure, the classes of its shares and its paid-up share capital; and\n- (ii) particulars of the applicant’s shareholders;","sortOrder":31},{"sectionNumber":"sec.24","sectionType":"section","heading":"Conditions of licence— Act , s 64","content":"### sec.24 Conditions of licence— Act , s 64\n\nFor section 64 (1) of the Act , the conditions of a licence are—\nthe licensed insurer must not start carrying on business under the licence until the first day of the quarter next following the grant of the licence; and\nthe licensed insurer must comply with standards made under section 10 (1) (d) of the Act about the proper management of claims.\ns 24 sub 2019 No. 36 s 30\n- (a) the licensed insurer must not start carrying on business under the licence until the first day of the quarter next following the grant of the licence; and\n- (b) the licensed insurer must comply with standards made under section 10 (1) (d) of the Act about the proper management of claims.","sortOrder":32},{"sectionNumber":"sec.25","sectionType":"section","heading":"Accounts and returns— Act , s 70","content":"### sec.25 Accounts and returns— Act , s 70\n\nOn filing or giving accounts, returns or other information under the Corporations Act or the Insurance Act 1973 (Cwlth) , a licensed insurer must file a copy with the commission.\nIf a licensed insurer receives a request for information or explanation from the Australian Prudential Regulation Authority, the insurer must, within 1 month after responding to the request, file a copy of the request and its response to the request with the commission.\nIf the commission asks a licensed insurer for an actuarial report on the insurer’s financial position, the insurer must file the report with the commission within 3 months after receiving the request.\nIf a transaction happens that may affect control of a licensed insurer, the insurer must file full particulars of the transaction with the commission within 1 month after it happens.\nIf a change of the manager responsible for managing a licensed insurer’s CTP business happens, the insurer must file full particulars of the change with the commission within 1 month after it happens.\n(sec.25-ssec.1) On filing or giving accounts, returns or other information under the Corporations Act or the Insurance Act 1973 (Cwlth) , a licensed insurer must file a copy with the commission.\n(sec.25-ssec.2) If a licensed insurer receives a request for information or explanation from the Australian Prudential Regulation Authority, the insurer must, within 1 month after responding to the request, file a copy of the request and its response to the request with the commission.\n(sec.25-ssec.3) If the commission asks a licensed insurer for an actuarial report on the insurer’s financial position, the insurer must file the report with the commission within 3 months after receiving the request.\n(sec.25-ssec.4) If a transaction happens that may affect control of a licensed insurer, the insurer must file full particulars of the transaction with the commission within 1 month after it happens.\n(sec.25-ssec.5) If a change of the manager responsible for managing a licensed insurer’s CTP business happens, the insurer must file full particulars of the change with the commission within 1 month after it happens.","sortOrder":33},{"sectionNumber":"sec.26","sectionType":"section","heading":"Information to be provided by return— Act , s 88","content":"### sec.26 Information to be provided by return— Act , s 88\n\nA licensed insurer must, within 7 days after the end of each reporting period, give the commission a return for the reporting period, in a form approved by the commission, stating—\nfor each notice of claim received in the reporting period—\nthe required claim details; and\nif the notice of claim is not disputed—the required further claim details; and\nfor each disputed notice of claim for which the dispute was resolved in the reporting period—the required further claim details; and\nfor each notifiable step in the processing of a claim that takes place in the reporting period—\nthe nature of the step; and\nthe date the step was taken; and\nother details of the step required by the commission in written notice given to all licensed insurers.\nEach of the following is a notifiable step in the processing of a claim—\na dispute affecting the notice of claim is resolved;\nthe insurer asks the claimant to complete an additional information form;\nthe claimant returns a completed additional information form to the insurer;\nthe insurer admits liability on the claim, with or without an allegation of contributory negligence against the claimant, or denies liability on the claim;\nthe insurer makes a decision about the provision of rehabilitation services for the claimant or agreement is reached on the rehabilitation services to be provided for the claimant;\na compulsory conference is held;\nthe claim is settled;\na proceeding based on the claim is started in a court;\na court makes a decision about liability or the amount of damages;\nthe claim is finalised.\nA licensed insurer must, within 15 days after the end of each reporting period, give the commission a return for the reporting period stating—\nthe insurer’s costs on each claim for the reporting period, including details of—\nprofessional legal costs and disbursements; and\ninvestigative costs; and\nprivate hospital, medical and pharmaceutical expenses; and\nthe cost of medical examinations and obtaining medical reports; and\nthe cost of rehabilitation; and\nother costs the commission requires, by notice to the licensed insurers, to be separately itemised; and\nthe amount recovered under part 4 , division 7 of the Act on each claim.\nIf a claim involves 2 or more licensed insurers and a claim manager is appointed, an insurer (other than the claim manager) that has notified the required claim details for the claim and notified the appointment of the claim manager need not notify further information about the claim under subsections (1) and (3) .\nA return must include particulars updating information supplied in previous returns about motor vehicle accidents, claims, estimates and costs.\nIn this section—\ncertifying doctor means the doctor who signed the certificate mentioned in section 18 (1) (a) .\ncompliance date , for a notice of claim, means—\nif the notice is not a disputed notice of claim—the date the notice was received by the insurer; or\nif the notice is a disputed notice of claim—the date the dispute was resolved.\ndisputed notice of claim means a notice of claim for which the insurer states in the insurer’s response to the notice of claim that the insurer—\nis not satisfied the notice has been given as required under part 4 , division 3 of the Act ; and\ndoes not waive compliance with the relevant requirements.\nSee section 39 (1) (a) of the Act .\nreporting period means—\nif the commission has given written notice to all licensed insurers that the reporting period is to be reduced to a period shorter than a month as from a stated date that is at least 3 months after the date of the notice and the stated date has passed—the shorter period; or\notherwise—a month.\nrequired claim details , for a claim, means each of the following details—\nthe date the notice of claim was received by the insurer;\nthe date the insurer opened a file on the claim;\nthe date, time and place of the accident;\nan identifying accident number assigned by the insurer;\nan identifying claim number;\nthe relevant police accident report reference number;\nfor each claimant—\nthe claimant’s full name and residential address; and\nthe claimant’s date of birth; and\nthe claimant’s medicare number; and\nif the notice of claim was accompanied by an identity document under section 18 that has a unique identifying number—the number.\nrequired further claim details , for a claim, means each of the following details—\nthe compliance date for the notice of claim;\nthe make, model, type, year of manufacture, and registration number of each motor vehicle involved in the accident;\nthe names and addresses of the owner and driver of each motor vehicle involved in the accident;\nwhether, in relation to the vehicle the claimant or, for a derivative claim, the injured person was travelling in at the time of the accident, a property damage claim has been made under a comprehensive insurance policy or a third party property damage policy;\nif a claim has been made under a policy mentioned in paragraph (d) —the insurer for the policy, the policy number and the number of any property damage claim made under the policy;\nthe name and address of each witness to the accident known to the insurer;\nthe circumstances of the accident, including how the claimant came to be involved in the accident;\nthe nature of the personal injury to the claimant;\nfor a claim other than a derivative claim, the following details as shown in the notice of claim—\nthe date the claimant was first physically examined by a doctor in relation to personal injury resulting from the accident;\nthe date the claimant was first physically examined by the certifying doctor in relation to personal injury resulting from the accident;\nthe unique identifier given to the certifying doctor under the Health Practitioner Regulation National Law , section 233 ;\nfor a claim other than a derivative claim, whether the claimant was, at the date of the accident, an existing patient of the doctor or of a medical practice in which the doctor practises or was practising, as shown in the certificate accompanying the notice of claim;\nif the claimant consulted a lawyer about the possibility of making a claim—the date, as shown in the notice of claim, the claimant first consulted the lawyer;\nif the claimant has retained a law practice to act for the claimant in relation to the claim, the following details as shown in the notice of claim—\nthe name of the law practice;\nthe date the claimant retained the law practice.\nresolved , in relation to a disputed notice of claim, means—\nthe insurer is satisfied the claimant has complied with the relevant requirements of part 4 , division 3 of the Act , or is satisfied with the action taken by the claimant to remedy the noncompliance or waives compliance in any event; or\nthe court declares the claimant has remedied the noncompliance; or\nSee section 39 (5) (c) (i) of the Act .\nthe court authorises further proceedings based on the claim despite the noncompliance.\nSee section 39 (5) (c) (ii) of the Act .\ns 26 amd 2019 No. 36 s 31 ; 2020 SL No. 38 s 6\n(sec.26-ssec.1) A licensed insurer must, within 7 days after the end of each reporting period, give the commission a return for the reporting period, in a form approved by the commission, stating— for each notice of claim received in the reporting period— the required claim details; and if the notice of claim is not disputed—the required further claim details; and for each disputed notice of claim for which the dispute was resolved in the reporting period—the required further claim details; and for each notifiable step in the processing of a claim that takes place in the reporting period— the nature of the step; and the date the step was taken; and other details of the step required by the commission in written notice given to all licensed insurers.\n(sec.26-ssec.2) Each of the following is a notifiable step in the processing of a claim— a dispute affecting the notice of claim is resolved; the insurer asks the claimant to complete an additional information form; the claimant returns a completed additional information form to the insurer; the insurer admits liability on the claim, with or without an allegation of contributory negligence against the claimant, or denies liability on the claim; the insurer makes a decision about the provision of rehabilitation services for the claimant or agreement is reached on the rehabilitation services to be provided for the claimant; a compulsory conference is held; the claim is settled; a proceeding based on the claim is started in a court; a court makes a decision about liability or the amount of damages; the claim is finalised.\n(sec.26-ssec.3) A licensed insurer must, within 15 days after the end of each reporting period, give the commission a return for the reporting period stating— the insurer’s costs on each claim for the reporting period, including details of— professional legal costs and disbursements; and investigative costs; and private hospital, medical and pharmaceutical expenses; and the cost of medical examinations and obtaining medical reports; and the cost of rehabilitation; and other costs the commission requires, by notice to the licensed insurers, to be separately itemised; and the amount recovered under part 4 , division 7 of the Act on each claim.\n(sec.26-ssec.4) If a claim involves 2 or more licensed insurers and a claim manager is appointed, an insurer (other than the claim manager) that has notified the required claim details for the claim and notified the appointment of the claim manager need not notify further information about the claim under subsections (1) and (3) .\n(sec.26-ssec.5) A return must include particulars updating information supplied in previous returns about motor vehicle accidents, claims, estimates and costs.\n(sec.26-ssec.6) In this section— certifying doctor means the doctor who signed the certificate mentioned in section 18 (1) (a) . compliance date , for a notice of claim, means— if the notice is not a disputed notice of claim—the date the notice was received by the insurer; or if the notice is a disputed notice of claim—the date the dispute was resolved. disputed notice of claim means a notice of claim for which the insurer states in the insurer’s response to the notice of claim that the insurer— is not satisfied the notice has been given as required under part 4 , division 3 of the Act ; and does not waive compliance with the relevant requirements. See section 39 (1) (a) of the Act . reporting period means— if the commission has given written notice to all licensed insurers that the reporting period is to be reduced to a period shorter than a month as from a stated date that is at least 3 months after the date of the notice and the stated date has passed—the shorter period; or otherwise—a month. required claim details , for a claim, means each of the following details— the date the notice of claim was received by the insurer; the date the insurer opened a file on the claim; the date, time and place of the accident; an identifying accident number assigned by the insurer; an identifying claim number; the relevant police accident report reference number; for each claimant— the claimant’s full name and residential address; and the claimant’s date of birth; and the claimant’s medicare number; and if the notice of claim was accompanied by an identity document under section 18 that has a unique identifying number—the number. required further claim details , for a claim, means each of the following details— the compliance date for the notice of claim; the make, model, type, year of manufacture, and registration number of each motor vehicle involved in the accident; the names and addresses of the owner and driver of each motor vehicle involved in the accident; whether, in relation to the vehicle the claimant or, for a derivative claim, the injured person was travelling in at the time of the accident, a property damage claim has been made under a comprehensive insurance policy or a third party property damage policy; if a claim has been made under a policy mentioned in paragraph (d) —the insurer for the policy, the policy number and the number of any property damage claim made under the policy; the name and address of each witness to the accident known to the insurer; the circumstances of the accident, including how the claimant came to be involved in the accident; the nature of the personal injury to the claimant; for a claim other than a derivative claim, the following details as shown in the notice of claim— the date the claimant was first physically examined by a doctor in relation to personal injury resulting from the accident; the date the claimant was first physically examined by the certifying doctor in relation to personal injury resulting from the accident; the unique identifier given to the certifying doctor under the Health Practitioner Regulation National Law , section 233 ; for a claim other than a derivative claim, whether the claimant was, at the date of the accident, an existing patient of the doctor or of a medical practice in which the doctor practises or was practising, as shown in the certificate accompanying the notice of claim; if the claimant consulted a lawyer about the possibility of making a claim—the date, as shown in the notice of claim, the claimant first consulted the lawyer; if the claimant has retained a law practice to act for the claimant in relation to the claim, the following details as shown in the notice of claim— the name of the law practice; the date the claimant retained the law practice. resolved , in relation to a disputed notice of claim, means— the insurer is satisfied the claimant has complied with the relevant requirements of part 4 , division 3 of the Act , or is satisfied with the action taken by the claimant to remedy the noncompliance or waives compliance in any event; or the court declares the claimant has remedied the noncompliance; or See section 39 (5) (c) (i) of the Act . the court authorises further proceedings based on the claim despite the noncompliance. See section 39 (5) (c) (ii) of the Act .\n- (a) for each notice of claim received in the reporting period— (i) the required claim details; and (ii) if the notice of claim is not disputed—the required further claim details; and\n- (i) the required claim details; and\n- (ii) if the notice of claim is not disputed—the required further claim details; and\n- (b) for each disputed notice of claim for which the dispute was resolved in the reporting period—the required further claim details; and\n- (c) for each notifiable step in the processing of a claim that takes place in the reporting period— (i) the nature of the step; and (ii) the date the step was taken; and (iii) other details of the step required by the commission in written notice given to all licensed insurers.\n- (i) the nature of the step; and\n- (ii) the date the step was taken; and\n- (iii) other details of the step required by the commission in written notice given to all licensed insurers.\n- (i) the required claim details; and\n- (ii) if the notice of claim is not disputed—the required further claim details; and\n- (i) the nature of the step; and\n- (ii) the date the step was taken; and\n- (iii) other details of the step required by the commission in written notice given to all licensed insurers.\n- (a) a dispute affecting the notice of claim is resolved;\n- (b) the insurer asks the claimant to complete an additional information form;\n- (c) the claimant returns a completed additional information form to the insurer;\n- (d) the insurer admits liability on the claim, with or without an allegation of contributory negligence against the claimant, or denies liability on the claim;\n- (e) the insurer makes a decision about the provision of rehabilitation services for the claimant or agreement is reached on the rehabilitation services to be provided for the claimant;\n- (f) a compulsory conference is held;\n- (g) the claim is settled;\n- (h) a proceeding based on the claim is started in a court;\n- (i) a court makes a decision about liability or the amount of damages;\n- (j) the claim is finalised.\n- (a) the insurer’s costs on each claim for the reporting period, including details of— (i) professional legal costs and disbursements; and (ii) investigative costs; and (iii) private hospital, medical and pharmaceutical expenses; and (iv) the cost of medical examinations and obtaining medical reports; and (v) the cost of rehabilitation; and (vi) other costs the commission requires, by notice to the licensed insurers, to be separately itemised; and\n- (i) professional legal costs and disbursements; and\n- (ii) investigative costs; and\n- (iii) private hospital, medical and pharmaceutical expenses; and\n- (iv) the cost of medical examinations and obtaining medical reports; and\n- (v) the cost of rehabilitation; and\n- (vi) other costs the commission requires, by notice to the licensed insurers, to be separately itemised; and\n- (b) the amount recovered under part 4 , division 7 of the Act on each claim.\n- (i) professional legal costs and disbursements; and\n- (ii) investigative costs; and\n- (iii) private hospital, medical and pharmaceutical expenses; and\n- (iv) the cost of medical examinations and obtaining medical reports; and\n- (v) the cost of rehabilitation; and\n- (vi) other costs the commission requires, by notice to the licensed insurers, to be separately itemised; and\n- (a) if the notice is not a disputed notice of claim—the date the notice was received by the insurer; or\n- (b) if the notice is a disputed notice of claim—the date the dispute was resolved.\n- (a) is not satisfied the notice has been given as required under part 4 , division 3 of the Act ; and\n- (b) does not waive compliance with the relevant requirements. Note— See section 39 (1) (a) of the Act .\n- (a) if the commission has given written notice to all licensed insurers that the reporting period is to be reduced to a period shorter than a month as from a stated date that is at least 3 months after the date of the notice and the stated date has passed—the shorter period; or\n- (b) otherwise—a month.\n- (a) the date the notice of claim was received by the insurer;\n- (b) the date the insurer opened a file on the claim;\n- (c) the date, time and place of the accident;\n- (d) an identifying accident number assigned by the insurer;\n- (e) an identifying claim number;\n- (f) the relevant police accident report reference number;\n- (g) for each claimant— (i) the claimant’s full name and residential address; and (ii) the claimant’s date of birth; and (iii) the claimant’s medicare number; and (iv) if the notice of claim was accompanied by an identity document under section 18 that has a unique identifying number—the number.\n- (i) the claimant’s full name and residential address; and\n- (ii) the claimant’s date of birth; and\n- (iii) the claimant’s medicare number; and\n- (iv) if the notice of claim was accompanied by an identity document under section 18 that has a unique identifying number—the number.\n- (i) the claimant’s full name and residential address; and\n- (ii) the claimant’s date of birth; and\n- (iii) the claimant’s medicare number; and\n- (iv) if the notice of claim was accompanied by an identity document under section 18 that has a unique identifying number—the number.\n- (a) the compliance date for the notice of claim;\n- (b) the make, model, type, year of manufacture, and registration number of each motor vehicle involved in the accident;\n- (c) the names and addresses of the owner and driver of each motor vehicle involved in the accident;\n- (d) whether, in relation to the vehicle the claimant or, for a derivative claim, the injured person was travelling in at the time of the accident, a property damage claim has been made under a comprehensive insurance policy or a third party property damage policy;\n- (e) if a claim has been made under a policy mentioned in paragraph (d) —the insurer for the policy, the policy number and the number of any property damage claim made under the policy;\n- (f) the name and address of each witness to the accident known to the insurer;\n- (g) the circumstances of the accident, including how the claimant came to be involved in the accident;\n- (h) the nature of the personal injury to the claimant;\n- (i) for a claim other than a derivative claim, the following details as shown in the notice of claim— (i) the date the claimant was first physically examined by a doctor in relation to personal injury resulting from the accident; (ii) the date the claimant was first physically examined by the certifying doctor in relation to personal injury resulting from the accident; (iii) the unique identifier given to the certifying doctor under the Health Practitioner Regulation National Law , section 233 ;\n- (i) the date the claimant was first physically examined by a doctor in relation to personal injury resulting from the accident;\n- (ii) the date the claimant was first physically examined by the certifying doctor in relation to personal injury resulting from the accident;\n- (iii) the unique identifier given to the certifying doctor under the Health Practitioner Regulation National Law , section 233 ;\n- (j) for a claim other than a derivative claim, whether the claimant was, at the date of the accident, an existing patient of the doctor or of a medical practice in which the doctor practises or was practising, as shown in the certificate accompanying the notice of claim;\n- (k) if the claimant consulted a lawyer about the possibility of making a claim—the date, as shown in the notice of claim, the claimant first consulted the lawyer;\n- (l) if the claimant has retained a law practice to act for the claimant in relation to the claim, the following details as shown in the notice of claim— (i) the name of the law practice; (ii) the date the claimant retained the law practice.\n- (i) the name of the law practice;\n- (ii) the date the claimant retained the law practice.\n- (i) the date the claimant was first physically examined by a doctor in relation to personal injury resulting from the accident;\n- (ii) the date the claimant was first physically examined by the certifying doctor in relation to personal injury resulting from the accident;\n- (iii) the unique identifier given to the certifying doctor under the Health Practitioner Regulation National Law , section 233 ;\n- (i) the name of the law practice;\n- (ii) the date the claimant retained the law practice.\n- (a) the insurer is satisfied the claimant has complied with the relevant requirements of part 4 , division 3 of the Act , or is satisfied with the action taken by the claimant to remedy the noncompliance or waives compliance in any event; or\n- (b) the court declares the claimant has remedied the noncompliance; or Note— See section 39 (5) (c) (i) of the Act .\n- (c) the court authorises further proceedings based on the claim despite the noncompliance. Note— See section 39 (5) (c) (ii) of the Act .","sortOrder":34},{"sectionNumber":"pt.6","sectionType":"part","heading":"Miscellaneous","content":"# Miscellaneous","sortOrder":35},{"sectionNumber":"sec.27","sectionType":"section","heading":"Prescribed limits for particular definitions— Act , s 4","content":"### sec.27 Prescribed limits for particular definitions— Act , s 4\n\ns 27 amd 2019 SL No. 103 s 4 ; 2020 SL No. 117 s 8 ; 2021 SL No. 52 s 8 ; 2022 SL No. 80 s 8 ; 2023 SL No. 50 s 8\nom 2024 SL No. 94 s 9","sortOrder":36},{"sectionNumber":"sec.28","sectionType":"section","heading":"Panels of recognised medical experts— Act , s 45A","content":"### sec.28 Panels of recognised medical experts— Act , s 45A\n\nFor section 45A (2) (a) of the Act , the following professional bodies are prescribed—\nAustralian Lawyers Alliance Limited ACN 086 880 499;\nInsurance Council of Australia Limited ACN 005 617 318;\nQueensland Law Society Incorporated ABN 33 423 389 441.\n- (a) Australian Lawyers Alliance Limited ACN 086 880 499;\n- (b) Insurance Council of Australia Limited ACN 005 617 318;\n- (c) Queensland Law Society Incorporated ABN 33 423 389 441.","sortOrder":37},{"sectionNumber":"sec.29","sectionType":"section","heading":"Costs if mandatory final offer accepted— Act , s 51C","content":"### sec.29 Costs if mandatory final offer accepted— Act , s 51C\n\nFor section 51C (4) of the Act , if a mandatory final offer for more than the lower offer limit but not more than the upper offer limit is accepted, the claimant is entitled to payment of costs as follows—\n100% of item 1 costs;\n50% of item 5 costs;\nthe claimant’s costs of legal representation, if any, at the compulsory conference at the rate of $175 for the first hour and $150 for every hour after the first and, for a period of less than 1 hour, the relevant proportion of the appropriate hourly rate;\nthe claimant’s costs of an application to the court up to a maximum of $400;\nreasonable disbursements of which documentary evidence is available.\nHowever, if the amount calculated under subsection (1) is more than the declared costs limit, the claimant’s entitlement is limited to the declared costs limit.\nIn this section—\nitem 1 costs means costs allowable under the Uniform Civil Procedure Rules 1999 , schedule 2 , part 2 , item 1.\nitem 5 costs means costs allowable under the Uniform Civil Procedure Rules 1999 , schedule 2 , part 2 , item 5.\ns 29 amd 2024 SL No. 28 s 5\n(sec.29-ssec.1) For section 51C (4) of the Act , if a mandatory final offer for more than the lower offer limit but not more than the upper offer limit is accepted, the claimant is entitled to payment of costs as follows— 100% of item 1 costs; 50% of item 5 costs; the claimant’s costs of legal representation, if any, at the compulsory conference at the rate of $175 for the first hour and $150 for every hour after the first and, for a period of less than 1 hour, the relevant proportion of the appropriate hourly rate; the claimant’s costs of an application to the court up to a maximum of $400; reasonable disbursements of which documentary evidence is available.\n(sec.29-ssec.2) However, if the amount calculated under subsection (1) is more than the declared costs limit, the claimant’s entitlement is limited to the declared costs limit.\n(sec.29-ssec.3) In this section— item 1 costs means costs allowable under the Uniform Civil Procedure Rules 1999 , schedule 2 , part 2 , item 1. item 5 costs means costs allowable under the Uniform Civil Procedure Rules 1999 , schedule 2 , part 2 , item 5.\n- (a) 100% of item 1 costs;\n- (b) 50% of item 5 costs;\n- (c) the claimant’s costs of legal representation, if any, at the compulsory conference at the rate of $175 for the first hour and $150 for every hour after the first and, for a period of less than 1 hour, the relevant proportion of the appropriate hourly rate;\n- (d) the claimant’s costs of an application to the court up to a maximum of $400;\n- (e) reasonable disbursements of which documentary evidence is available.","sortOrder":38},{"sectionNumber":"sec.30","sectionType":"section","heading":"Allowances and expenses for attending examination— Act , s 87ZH (4)","content":"### sec.30 Allowances and expenses for attending examination— Act , s 87ZH (4)\n\nA person required to attend for examination under part 5B of the Act is entitled to allowances and expenses on the same basis as a witness in a proceeding before the District Court.\ns 30 amd 2019 No. 36 s 32 sch 1","sortOrder":39},{"sectionNumber":"sec.31","sectionType":"section","heading":"Disclosure of information— Act , s 92","content":"### sec.31 Disclosure of information— Act , s 92\n\nFor section 92 (2) (b) of the Act , the following are authorised to provide information to, and to receive information from, each other—\nlicensed or other insurers providing CTP insurance in the State or elsewhere;\nthe commission;\nthe Nominal Defendant;\nthe insurance agency.\nFor section 92 (2) (b) of the Act , the following are authorised to provide information to, and to receive information from, licensed or other insurers providing CTP insurance in the State or elsewhere, the commission or the Nominal Defendant—\nan insurer carrying on the business of providing workers’ compensation insurance, personal accident or illness insurance, or insurance against loss of income through disability;\na department, agency or instrumentality of the Commonwealth, the State or another State, administering laws about police, transport, taxation or social welfare;\na hospital;\nan ambulance or other emergency service;\na doctor, professional provider of rehabilitation services or person professionally qualified to assess cognitive, functional or vocational capacity;\nan employer or previous employer of the claimant;\nan educational institution;\nthe office of the director of public prosecutions;\nthe legal services commission;\nthe workers’ compensation regulator;\nthe insurance agency.\nThe commission is authorised to disclose information to which section 92 (1) of the Act applies to a department, agency or instrumentality of the Commonwealth administering laws about the prudential regulation of entities in the financial sector.\n(sec.31-ssec.1) For section 92 (2) (b) of the Act , the following are authorised to provide information to, and to receive information from, each other— licensed or other insurers providing CTP insurance in the State or elsewhere; the commission; the Nominal Defendant; the insurance agency.\n(sec.31-ssec.2) For section 92 (2) (b) of the Act , the following are authorised to provide information to, and to receive information from, licensed or other insurers providing CTP insurance in the State or elsewhere, the commission or the Nominal Defendant— an insurer carrying on the business of providing workers’ compensation insurance, personal accident or illness insurance, or insurance against loss of income through disability; a department, agency or instrumentality of the Commonwealth, the State or another State, administering laws about police, transport, taxation or social welfare; a hospital; an ambulance or other emergency service; a doctor, professional provider of rehabilitation services or person professionally qualified to assess cognitive, functional or vocational capacity; an employer or previous employer of the claimant; an educational institution; the office of the director of public prosecutions; the legal services commission; the workers’ compensation regulator; the insurance agency.\n(sec.31-ssec.3) The commission is authorised to disclose information to which section 92 (1) of the Act applies to a department, agency or instrumentality of the Commonwealth administering laws about the prudential regulation of entities in the financial sector.\n- (a) licensed or other insurers providing CTP insurance in the State or elsewhere;\n- (b) the commission;\n- (c) the Nominal Defendant;\n- (d) the insurance agency.\n- (a) an insurer carrying on the business of providing workers’ compensation insurance, personal accident or illness insurance, or insurance against loss of income through disability;\n- (b) a department, agency or instrumentality of the Commonwealth, the State or another State, administering laws about police, transport, taxation or social welfare;\n- (c) a hospital;\n- (d) an ambulance or other emergency service;\n- (e) a doctor, professional provider of rehabilitation services or person professionally qualified to assess cognitive, functional or vocational capacity;\n- (f) an employer or previous employer of the claimant;\n- (g) an educational institution;\n- (h) the office of the director of public prosecutions;\n- (i) the legal services commission;\n- (j) the workers’ compensation regulator;\n- (k) the insurance agency.","sortOrder":40},{"sectionNumber":"sec.32","sectionType":"section","heading":"Form and execution of industry deed","content":"### sec.32 Form and execution of industry deed\n\nThe approved form of the industry deed is in schedule 4 .\nA party executes the industry deed by executing a counterpart of the deed provided by the commission.\nThe executed counterpart must be given to the commission.\n(sec.32-ssec.1) The approved form of the industry deed is in schedule 4 .\n(sec.32-ssec.2) A party executes the industry deed by executing a counterpart of the deed provided by the commission.\n(sec.32-ssec.3) The executed counterpart must be given to the commission.","sortOrder":41},{"sectionNumber":"pt.7","sectionType":"part","heading":"Transitional provision","content":"# Transitional provision","sortOrder":42},{"sectionNumber":"sec.33","sectionType":"section","heading":"Industry deed","content":"### sec.33 Industry deed\n\nTo avoid any doubt, it is declared that the industry deed in force immediately before the commencement of the Transport Operations (Road Use Management—Vehicle Registration) and Other Legislation Amendment Regulation 2019 , part 2 continues in force according to its terms.\ns 33 prev s 33 exp 30 September 2018 (see s 35)\npres s 33 ins 2019 SL No. 201 s 5","sortOrder":43},{"sectionNumber":"sec.34","sectionType":"section","heading":null,"content":"### Section sec.34\n\ns 34 exp 30 September 2018 (see s 35)","sortOrder":44},{"sectionNumber":"sec.35","sectionType":"section","heading":null,"content":"### Section sec.35\n\ns 35 exp 30 September 2018 (see s 35)","sortOrder":45},{"sectionNumber":"sch.4-pt","sectionType":"part","heading":"Recitals","content":"# Recitals","sortOrder":46},{"sectionNumber":"sch.4-sec","sectionType":"section","heading":"Recitals","content":"### sch.4-sec Recitals\n\nThe Motor Accident Insurance Act 1994 establishes a statutory insurance scheme under which powers and responsibilities are to be exercised by the commission, transport administration, the Nominal Defendant and licensed insurers.\nThe purposes of this deed are—\nto deal with obligations of licensed insurers under the statutory insurance scheme; and\nto deal with the mutual obligation of insurers in the statutory insurance scheme and with particular aspects of their relationship; and\nto regulate particular aspects of the insurance business conducted under the statutory insurance scheme; and\nto deal with the obligation of transport administration to keep records and provide information.\n- (a) to deal with obligations of licensed insurers under the statutory insurance scheme; and\n- (b) to deal with the mutual obligation of insurers in the statutory insurance scheme and with particular aspects of their relationship; and\n- (c) to regulate particular aspects of the insurance business conducted under the statutory insurance scheme; and\n- (d) to deal with the obligation of transport administration to keep records and provide information.","sortOrder":47},{"sectionNumber":"sch.4-pt.1","sectionType":"part","heading":"Preliminary","content":"# Preliminary","sortOrder":48},{"sectionNumber":"sch.4-sec.1","sectionType":"section","heading":"Parties","content":"### sch.4-sec.1 Parties\n\nThe parties to this deed are—\nthe commission; and\nthe Nominal Defendant; and\nall licensed insurers; and\ntransport administration.\nA licensed insurer is a party to this deed while the licence remains in force and, after ceasing to be a licensed insurer, remains subject to the obligations of a licensed insurer under this deed until the commission is satisfied that the licensed insurer has discharged all outstanding liabilities under the statutory insurance scheme and releases the insurer from this deed.\n(sch.4-sec.1-ssec.1) The parties to this deed are— the commission; and the Nominal Defendant; and all licensed insurers; and transport administration.\n(sch.4-sec.1-ssec.2) A licensed insurer is a party to this deed while the licence remains in force and, after ceasing to be a licensed insurer, remains subject to the obligations of a licensed insurer under this deed until the commission is satisfied that the licensed insurer has discharged all outstanding liabilities under the statutory insurance scheme and releases the insurer from this deed.\n- (a) the commission; and\n- (b) the Nominal Defendant; and\n- (c) all licensed insurers; and\n- (d) transport administration.","sortOrder":49},{"sectionNumber":"sch.4-sec.2","sectionType":"section","heading":"Definitions","content":"### sch.4-sec.2 Definitions\n\nIn this deed—\nAct means the Motor Accident Insurance Act 1994 .\nclaim costs means costs of an insurer on a claim.\nclass , of a motor vehicle, means its class under the Motor Accident Insurance Regulation 2018 , schedule 1 .\ncontributing insurer means a licensed insurer for whom another licensed insurer is acting as claim manager for a claim.\ncontribution notice see section 10 (2) .\nreferee means a person, or 1 of a panel of persons, approved by the commission to arbitrate disputes under this deed.\nIn this deed, words and expressions defined in the Act have, unless the contrary intention appears, the meaning given in the Act .\n(sch.4-sec.2-ssec.1) In this deed— Act means the Motor Accident Insurance Act 1994 . claim costs means costs of an insurer on a claim. class , of a motor vehicle, means its class under the Motor Accident Insurance Regulation 2018 , schedule 1 . contributing insurer means a licensed insurer for whom another licensed insurer is acting as claim manager for a claim. contribution notice see section 10 (2) . referee means a person, or 1 of a panel of persons, approved by the commission to arbitrate disputes under this deed.\n(sch.4-sec.2-ssec.2) In this deed, words and expressions defined in the Act have, unless the contrary intention appears, the meaning given in the Act .","sortOrder":50},{"sectionNumber":"sch.4-pt.2","sectionType":"part","heading":"Claims management and rehabilitation","content":"# Claims management and rehabilitation","sortOrder":51},{"sectionNumber":"sch.4-sec.3","sectionType":"section","heading":"Claims procedures generally","content":"### sch.4-sec.3 Claims procedures generally\n\nAn insurer must deal as quickly as possible with claims.\nAn insurer must ensure that its procedures for dealing with claims are efficient and cost-effective.\nAn insurer must—\nhave an office in the State for dealing with claims with a staff who are competent and authorised to deal with claims on the insurer’s behalf; and\nprocess all claims in the State, other than claims arising out of motor vehicle accidents happening outside the State or in which a person who is not resident in the State is injured; and\nkeep a record of—\neach notice of claim the insurer receives under section 37 of the Act and the date when the insurer received it; and\neach waiver or order affecting a claim under section 39 of the Act , the terms of the waiver or order, and the date when it was given or made; and\neach offer or counteroffer of settlement made by or on behalf of a claimant, the terms of the offer or counteroffer, and the date when the insurer received it; and\nkeep all other records necessary to enable the commission to monitor the insurer’s compliance with obligations under part 4 of the Act .\nsch 4 s 3 amd 2019 No. 36 s 32 sch 1\n(sch.4-sec.3-ssec.1) An insurer must deal as quickly as possible with claims.\n(sch.4-sec.3-ssec.2) An insurer must ensure that its procedures for dealing with claims are efficient and cost-effective.\n(sch.4-sec.3-ssec.3) An insurer must— have an office in the State for dealing with claims with a staff who are competent and authorised to deal with claims on the insurer’s behalf; and process all claims in the State, other than claims arising out of motor vehicle accidents happening outside the State or in which a person who is not resident in the State is injured; and keep a record of— each notice of claim the insurer receives under section 37 of the Act and the date when the insurer received it; and each waiver or order affecting a claim under section 39 of the Act , the terms of the waiver or order, and the date when it was given or made; and each offer or counteroffer of settlement made by or on behalf of a claimant, the terms of the offer or counteroffer, and the date when the insurer received it; and keep all other records necessary to enable the commission to monitor the insurer’s compliance with obligations under part 4 of the Act .\n- (a) have an office in the State for dealing with claims with a staff who are competent and authorised to deal with claims on the insurer’s behalf; and\n- (b) process all claims in the State, other than claims arising out of motor vehicle accidents happening outside the State or in which a person who is not resident in the State is injured; and\n- (c) keep a record of— (i) each notice of claim the insurer receives under section 37 of the Act and the date when the insurer received it; and (ii) each waiver or order affecting a claim under section 39 of the Act , the terms of the waiver or order, and the date when it was given or made; and (iii) each offer or counteroffer of settlement made by or on behalf of a claimant, the terms of the offer or counteroffer, and the date when the insurer received it; and\n- (i) each notice of claim the insurer receives under section 37 of the Act and the date when the insurer received it; and\n- (ii) each waiver or order affecting a claim under section 39 of the Act , the terms of the waiver or order, and the date when it was given or made; and\n- (iii) each offer or counteroffer of settlement made by or on behalf of a claimant, the terms of the offer or counteroffer, and the date when the insurer received it; and\n- (d) keep all other records necessary to enable the commission to monitor the insurer’s compliance with obligations under part 4 of the Act .\n- (i) each notice of claim the insurer receives under section 37 of the Act and the date when the insurer received it; and\n- (ii) each waiver or order affecting a claim under section 39 of the Act , the terms of the waiver or order, and the date when it was given or made; and\n- (iii) each offer or counteroffer of settlement made by or on behalf of a claimant, the terms of the offer or counteroffer, and the date when the insurer received it; and","sortOrder":52},{"sectionNumber":"sch.4-sec.4","sectionType":"section","heading":"Rehabilitation","content":"### sch.4-sec.4 Rehabilitation\n\nThe commission may issue rehabilitation standards and guidelines for insurers to—\nprovide for the assessment of the nature and extent of an injured claimant’s need for rehabilitation; and\nensure injured claimants are properly informed about their obligations to undertake appropriate medical treatment and rehabilitation programs; and\nfacilitate access to appropriate rehabilitation services for injured claimants; and\nprovide guidance to help insurers decide what rehabilitation services and costs of the services are reasonable and appropriate; and\nensure the rehabilitation process for an injured claimant is appropriately managed; and\nmonitor the effectiveness of rehabilitation services and the providers of rehabilitation services.\n- (a) provide for the assessment of the nature and extent of an injured claimant’s need for rehabilitation; and\n- (b) ensure injured claimants are properly informed about their obligations to undertake appropriate medical treatment and rehabilitation programs; and\n- (c) facilitate access to appropriate rehabilitation services for injured claimants; and\n- (d) provide guidance to help insurers decide what rehabilitation services and costs of the services are reasonable and appropriate; and\n- (e) ensure the rehabilitation process for an injured claimant is appropriately managed; and\n- (f) monitor the effectiveness of rehabilitation services and the providers of rehabilitation services.","sortOrder":53},{"sectionNumber":"sch.4-pt.3","sectionType":"part","heading":"Claims involving multiple insurers","content":"# Claims involving multiple insurers","sortOrder":54},{"sectionNumber":"sch.4-sec.5","sectionType":"section","heading":"Obligation to resolve questions","content":"### sch.4-sec.5 Obligation to resolve questions\n\nIf 2 or more insurers are liable or potentially liable on a claim, other than a claim involving an unidentified vehicle, the insurers must resolve questions about which insurer is to be the claim manager and the basis on which claim costs are to be shared between them as soon as practicable after notice of the claim is given under part 4 , division 3 of the Act .\nIf a question about which insurer is to be the claim manager, or about the basis on which claim costs are to be shared, has not been resolved within 2 months after the notice of claim is given, the question is taken to be in dispute between the insurers, and they must immediately give notice of the dispute to the commission.\nThe commission may refer a dispute of which notice is given under subsection (2) to a referee.\nHowever, a question about the basis on which claim costs are to be shared between the insurers must not be referred to a referee if this deed prescribes the basis on which claim costs are to be shared in the absence of agreement between the insurers.\nBefore the commission refers a disputed question to a referee under this section, the commission must obtain an assurance from the referee that the referee will, in the absence of unforeseen difficulties, be able to resolve the question within a reasonable period fixed by the commission.\n(sch.4-sec.5-ssec.1) If 2 or more insurers are liable or potentially liable on a claim, other than a claim involving an unidentified vehicle, the insurers must resolve questions about which insurer is to be the claim manager and the basis on which claim costs are to be shared between them as soon as practicable after notice of the claim is given under part 4 , division 3 of the Act .\n(sch.4-sec.5-ssec.2) If a question about which insurer is to be the claim manager, or about the basis on which claim costs are to be shared, has not been resolved within 2 months after the notice of claim is given, the question is taken to be in dispute between the insurers, and they must immediately give notice of the dispute to the commission.\n(sch.4-sec.5-ssec.3) The commission may refer a dispute of which notice is given under subsection (2) to a referee.\n(sch.4-sec.5-ssec.4) However, a question about the basis on which claim costs are to be shared between the insurers must not be referred to a referee if this deed prescribes the basis on which claim costs are to be shared in the absence of agreement between the insurers.\n(sch.4-sec.5-ssec.5) Before the commission refers a disputed question to a referee under this section, the commission must obtain an assurance from the referee that the referee will, in the absence of unforeseen difficulties, be able to resolve the question within a reasonable period fixed by the commission.","sortOrder":55},{"sectionNumber":"sch.4-sec.6","sectionType":"section","heading":"Cost sharing","content":"### sch.4-sec.6 Cost sharing\n\nThe basis on which claim costs are to be shared between licensed insurers that are liable, or potentially liable, on a claim is to be decided by agreement between them.\nHowever, if—\na person makes a claim for personal injury arising out of a motor vehicle accident in which 2 or more motor vehicles were involved, other than an accident involving an unidentified motor vehicle for which the Nominal Defendant is the insurer; and\nthe motor vehicles are all of the same class and all registered in the State; and\nthe claimant is not the driver of a motor vehicle involved in the accident; and\nno insurer has a right of recourse against an insured person; and\nthe insurers have not decided the basis on which claim costs are to be shared between them within 2 months after the notice of claim is given;\nthe claim costs are to be shared between the licensed insurers in the proportions that the number of motor vehicles insured by each insurer bears to the total number of vehicles involved in the accident.\n(sch.4-sec.6-ssec.1) The basis on which claim costs are to be shared between licensed insurers that are liable, or potentially liable, on a claim is to be decided by agreement between them.\n(sch.4-sec.6-ssec.2) However, if— a person makes a claim for personal injury arising out of a motor vehicle accident in which 2 or more motor vehicles were involved, other than an accident involving an unidentified motor vehicle for which the Nominal Defendant is the insurer; and the motor vehicles are all of the same class and all registered in the State; and the claimant is not the driver of a motor vehicle involved in the accident; and no insurer has a right of recourse against an insured person; and the insurers have not decided the basis on which claim costs are to be shared between them within 2 months after the notice of claim is given; the claim costs are to be shared between the licensed insurers in the proportions that the number of motor vehicles insured by each insurer bears to the total number of vehicles involved in the accident.\n- (a) a person makes a claim for personal injury arising out of a motor vehicle accident in which 2 or more motor vehicles were involved, other than an accident involving an unidentified motor vehicle for which the Nominal Defendant is the insurer; and\n- (b) the motor vehicles are all of the same class and all registered in the State; and\n- (c) the claimant is not the driver of a motor vehicle involved in the accident; and\n- (d) no insurer has a right of recourse against an insured person; and\n- (e) the insurers have not decided the basis on which claim costs are to be shared between them within 2 months after the notice of claim is given;","sortOrder":56},{"sectionNumber":"sch.4-sec.7","sectionType":"section","heading":"Resolution of disputed questions","content":"### sch.4-sec.7 Resolution of disputed questions\n\nIf the commission refers a disputed question to a referee under this deed, each party to the dispute must give the referee—\ncopies of documents in the party’s possession relevant to the claim and the question in dispute; and\na written submission on how the question should, in the party’s opinion, be resolved.\nIf the referee asks for further information or assistance from a party to the dispute, the party must provide the information or assistance within the time fixed by the referee.\nThe referee is taken to be an arbitrator appointed under the Commercial Arbitration Act 2013 , and has all the powers of an arbitrator under that Act.\nAfter considering the disputed question, the referee may—\ndecide who is to be the claim manager or how the claim costs are to be shared; and\nmake orders to give effect to the decision and for payment of the costs of the proceedings before the referee.\nThe referee’s decision and orders are binding on all parties.\nThe referee must act as quickly as possible and with a minimum of formality.\nThe costs of the referee and of the proceedings before the referee are to be paid by the parties to the dispute in proportions decided by the referee.\n(sch.4-sec.7-ssec.1) If the commission refers a disputed question to a referee under this deed, each party to the dispute must give the referee— copies of documents in the party’s possession relevant to the claim and the question in dispute; and a written submission on how the question should, in the party’s opinion, be resolved.\n(sch.4-sec.7-ssec.2) If the referee asks for further information or assistance from a party to the dispute, the party must provide the information or assistance within the time fixed by the referee.\n(sch.4-sec.7-ssec.3) The referee is taken to be an arbitrator appointed under the Commercial Arbitration Act 2013 , and has all the powers of an arbitrator under that Act.\n(sch.4-sec.7-ssec.4) After considering the disputed question, the referee may— decide who is to be the claim manager or how the claim costs are to be shared; and make orders to give effect to the decision and for payment of the costs of the proceedings before the referee.\n(sch.4-sec.7-ssec.5) The referee’s decision and orders are binding on all parties.\n(sch.4-sec.7-ssec.6) The referee must act as quickly as possible and with a minimum of formality.\n(sch.4-sec.7-ssec.7) The costs of the referee and of the proceedings before the referee are to be paid by the parties to the dispute in proportions decided by the referee.\n- (a) copies of documents in the party’s possession relevant to the claim and the question in dispute; and\n- (b) a written submission on how the question should, in the party’s opinion, be resolved.\n- (a) decide who is to be the claim manager or how the claim costs are to be shared; and\n- (b) make orders to give effect to the decision and for payment of the costs of the proceedings before the referee.","sortOrder":57},{"sectionNumber":"sch.4-sec.8","sectionType":"section","heading":"Rules for resolving disputes","content":"### sch.4-sec.8 Rules for resolving disputes\n\nThe Resolution Institute Arbitration Rules 2016 apply to a proceeding before the referee under this deed.","sortOrder":58},{"sectionNumber":"sch.4-sec.9","sectionType":"section","heading":"Agreement for giving information about, and payment of, share of claim costs","content":"### sch.4-sec.9 Agreement for giving information about, and payment of, share of claim costs\n\nLicensed insurers may enter into an agreement about how a claim manager must give a contributing insurer information about claim costs and payment of the contributing insurer’s share of the claim costs.\nHowever, the information must be given to a contributing insurer at intervals of not more than 6 months.\nAlso, a contributing insurer must pay the full contribution payable by the insurer to the claim manager within 6 months after the claim is finalised.\n(sch.4-sec.9-ssec.1) Licensed insurers may enter into an agreement about how a claim manager must give a contributing insurer information about claim costs and payment of the contributing insurer’s share of the claim costs.\n(sch.4-sec.9-ssec.2) However, the information must be given to a contributing insurer at intervals of not more than 6 months.\n(sch.4-sec.9-ssec.3) Also, a contributing insurer must pay the full contribution payable by the insurer to the claim manager within 6 months after the claim is finalised.","sortOrder":59},{"sectionNumber":"sch.4-sec.10","sectionType":"section","heading":"If there is no dispute under s 5 and no agreement mentioned in s 9(1)","content":"### sch.4-sec.10 If there is no dispute under s 5 and no agreement mentioned in s 9(1)\n\nThis section applies if, for a claim—\nthere is no dispute about which insurer is to be the claim manager or the basis on which claim costs are to be shared; and\n1 of the insurers for the claim has not entered into an agreement mentioned in section 9 (1) .\nThe claim manager must, within 6 months after the claim manager receives the claim, and at intervals of not more than 6 months, give each contributing insurer a written notice (a contribution notice )—\nidentifying the claim for which the claim manager is acting as claim manager for the contributing insurer; and\nstating the claim costs incurred in the period—\nfor the first report—since receiving the claim; and\nfor another report—since the previous report was given; and\nstating the name of all the contributing insurers from whom a contribution is claimed; and\nstating the amount of the contribution and the amount, if any, the claim manager requires to be paid; and\ngiving details and supporting information in a form required by the commission.\nEach contributing insurer must, within 1 month after receiving the contribution notice, pay the claim manager the amount, if any, required to be paid.\n(sch.4-sec.10-ssec.1) This section applies if, for a claim— there is no dispute about which insurer is to be the claim manager or the basis on which claim costs are to be shared; and 1 of the insurers for the claim has not entered into an agreement mentioned in section 9 (1) .\n(sch.4-sec.10-ssec.2) The claim manager must, within 6 months after the claim manager receives the claim, and at intervals of not more than 6 months, give each contributing insurer a written notice (a contribution notice )— identifying the claim for which the claim manager is acting as claim manager for the contributing insurer; and stating the claim costs incurred in the period— for the first report—since receiving the claim; and for another report—since the previous report was given; and stating the name of all the contributing insurers from whom a contribution is claimed; and stating the amount of the contribution and the amount, if any, the claim manager requires to be paid; and giving details and supporting information in a form required by the commission.\n(sch.4-sec.10-ssec.3) Each contributing insurer must, within 1 month after receiving the contribution notice, pay the claim manager the amount, if any, required to be paid.\n- (a) there is no dispute about which insurer is to be the claim manager or the basis on which claim costs are to be shared; and\n- (b) 1 of the insurers for the claim has not entered into an agreement mentioned in section 9 (1) .\n- (a) identifying the claim for which the claim manager is acting as claim manager for the contributing insurer; and\n- (b) stating the claim costs incurred in the period— (i) for the first report—since receiving the claim; and (ii) for another report—since the previous report was given; and\n- (i) for the first report—since receiving the claim; and\n- (ii) for another report—since the previous report was given; and\n- (c) stating the name of all the contributing insurers from whom a contribution is claimed; and\n- (d) stating the amount of the contribution and the amount, if any, the claim manager requires to be paid; and\n- (e) giving details and supporting information in a form required by the commission.\n- (i) for the first report—since receiving the claim; and\n- (ii) for another report—since the previous report was given; and","sortOrder":60},{"sectionNumber":"sch.4-sec.11","sectionType":"section","heading":"If there is a dispute under s 5 and no agreement mentioned in s 9(1)","content":"### sch.4-sec.11 If there is a dispute under s 5 and no agreement mentioned in s 9(1)\n\nThis section applies if, 6 months after an insurer receives a claim—\nthere is a dispute about which insurer is to be claim manager for the claim or the basis on which claim costs are to be shared; and\n1 of the insurers for the claim has not entered into an agreement mentioned in section 9 (1) .\nWhen the dispute is resolved, the claim manager must, within 1 month after the day it is resolved, and at intervals of not more than 6 months, give each contributing insurer a contribution notice.\nEach contributing insurer must, within 1 month after receiving the contribution notice, pay the claim manager the amount, if any, required to be paid.\n(sch.4-sec.11-ssec.1) This section applies if, 6 months after an insurer receives a claim— there is a dispute about which insurer is to be claim manager for the claim or the basis on which claim costs are to be shared; and 1 of the insurers for the claim has not entered into an agreement mentioned in section 9 (1) .\n(sch.4-sec.11-ssec.2) When the dispute is resolved, the claim manager must, within 1 month after the day it is resolved, and at intervals of not more than 6 months, give each contributing insurer a contribution notice.\n(sch.4-sec.11-ssec.3) Each contributing insurer must, within 1 month after receiving the contribution notice, pay the claim manager the amount, if any, required to be paid.\n- (a) there is a dispute about which insurer is to be claim manager for the claim or the basis on which claim costs are to be shared; and\n- (b) 1 of the insurers for the claim has not entered into an agreement mentioned in section 9 (1) .","sortOrder":61},{"sectionNumber":"sch.4-sec.12","sectionType":"section","heading":"Accounts to be kept","content":"### sch.4-sec.12 Accounts to be kept\n\nA licensed insurer must keep appropriate accounts setting out for each claim—\nall contributions to claim costs made to other insurers; and\nall contributions to claim costs received from other insurers; and\nall other amounts received or recovered by the insurer towards claim costs.\n- (a) all contributions to claim costs made to other insurers; and\n- (b) all contributions to claim costs received from other insurers; and\n- (c) all other amounts received or recovered by the insurer towards claim costs.","sortOrder":62},{"sectionNumber":"sch.4-pt.4","sectionType":"part","heading":"Exchange of information","content":"# Exchange of information","sortOrder":63},{"sectionNumber":"sch.4-sec.13","sectionType":"section","heading":"Exchange of information","content":"### sch.4-sec.13 Exchange of information\n\nA licensed insurer must, if asked by another licensed insurer who has an interest in the information because of a claim against the other insurer, provide information in the insurer’s possession relevant to—\na claim; and\na claimant under a claim; and\na person who is related in some way to a claimant under a claim.\nHowever, a licensed insurer may withhold information under this section if—\nthere are reasonable grounds to believe the information is not being genuinely sought to resolve a claim or to combat fraud; or\nthe information is relevant to an unresolved dispute between the insurers.\nsch 4 s 13 amd 2019 No. 36 s 32 sch 1\n(sch.4-sec.13-ssec.1) A licensed insurer must, if asked by another licensed insurer who has an interest in the information because of a claim against the other insurer, provide information in the insurer’s possession relevant to— a claim; and a claimant under a claim; and a person who is related in some way to a claimant under a claim.\n(sch.4-sec.13-ssec.2) However, a licensed insurer may withhold information under this section if— there are reasonable grounds to believe the information is not being genuinely sought to resolve a claim or to combat fraud; or the information is relevant to an unresolved dispute between the insurers.\n- (a) a claim; and\n- (b) a claimant under a claim; and\n- (c) a person who is related in some way to a claimant under a claim.\n- (a) there are reasonable grounds to believe the information is not being genuinely sought to resolve a claim or to combat fraud; or\n- (b) the information is relevant to an unresolved dispute between the insurers.","sortOrder":64},{"sectionNumber":"sch.4-pt.5","sectionType":"part","heading":"Public disclosure of information","content":"# Public disclosure of information","sortOrder":65},{"sectionNumber":"sch.4-sec.14","sectionType":"section","heading":"Information may be publicly disclosed","content":"### sch.4-sec.14 Information may be publicly disclosed\n\nThe commission may publish information the commission considers should be disclosed in the public interest about—\na licensed insurer’s financial position; or\na licensed insurer’s management of claims, provision of rehabilitation services, or compliance with other obligations under the statutory insurance scheme; or\nother matters about the conduct of CTP insurance business.\n- (a) a licensed insurer’s financial position; or\n- (b) a licensed insurer’s management of claims, provision of rehabilitation services, or compliance with other obligations under the statutory insurance scheme; or\n- (c) other matters about the conduct of CTP insurance business.","sortOrder":66},{"sectionNumber":"sch.4-pt.6","sectionType":"part","heading":"Transport administration’s obligations","content":"# Transport administration’s obligations","sortOrder":67},{"sectionNumber":"sch.4-sec.15","sectionType":"section","heading":"Transport administration’s obligation to make its records available to the commission","content":"### sch.4-sec.15 Transport administration’s obligation to make its records available to the commission\n\nTransport administration must provide the commission with access to transport administration’s records of motor vehicle registration and compulsory third party insurance.","sortOrder":68},{"sectionNumber":"sch.4-sec.16","sectionType":"section","heading":"Transport administration’s obligation to provide information for licensed insurers","content":"### sch.4-sec.16 Transport administration’s obligation to provide information for licensed insurers\n\nTransport administration must give each licensed insurer information for each week about—\nthe total amount of CTP insurance premiums received for the insurer in the week, and the total amount of insurance premiums as shown in certificates of insurance, showing the insurer as the CTP insurer, lodged with applications for registration or renewal of registration, for each class of motor vehicle; and\nfor each class of motor vehicles—\nthe total number of vehicles for which the insurer was chosen as the CTP insurer (differentiating between CTP policies for vehicles that were previously unregistered, renewals of existing CTP policies, and CTP policies for which the insurer was selected in place of another insurer); and\nthe registration numbers of the vehicles and the names and addresses of the registered operators; and\nchanges of registered operators of vehicles insured under CTP policies with the insurer and the names and addresses of the new registered operators; and\nclass of motor vehicle changes affecting vehicles insured under CTP insurance policies with the insurer; and\nthe cancellation of registration of vehicles insured under CTP insurance policies with the insurer.\nTransport administration must also give a licensed insurer for a registered motor vehicle, with a registration period of 1 month, access to the email address of the registered operator of the vehicle.\nThe information mentioned in subsection (1) must be provided within 7 days after the end of the week to which the information relates.\nsch 4 s 16 amd 2019 SL No. 201 s 6\n(sch.4-sec.16-ssec.1) Transport administration must give each licensed insurer information for each week about— the total amount of CTP insurance premiums received for the insurer in the week, and the total amount of insurance premiums as shown in certificates of insurance, showing the insurer as the CTP insurer, lodged with applications for registration or renewal of registration, for each class of motor vehicle; and for each class of motor vehicles— the total number of vehicles for which the insurer was chosen as the CTP insurer (differentiating between CTP policies for vehicles that were previously unregistered, renewals of existing CTP policies, and CTP policies for which the insurer was selected in place of another insurer); and the registration numbers of the vehicles and the names and addresses of the registered operators; and changes of registered operators of vehicles insured under CTP policies with the insurer and the names and addresses of the new registered operators; and class of motor vehicle changes affecting vehicles insured under CTP insurance policies with the insurer; and the cancellation of registration of vehicles insured under CTP insurance policies with the insurer.\n(sch.4-sec.16-ssec.2) Transport administration must also give a licensed insurer for a registered motor vehicle, with a registration period of 1 month, access to the email address of the registered operator of the vehicle.\n(sch.4-sec.16-ssec.3) The information mentioned in subsection (1) must be provided within 7 days after the end of the week to which the information relates.\n- (a) the total amount of CTP insurance premiums received for the insurer in the week, and the total amount of insurance premiums as shown in certificates of insurance, showing the insurer as the CTP insurer, lodged with applications for registration or renewal of registration, for each class of motor vehicle; and\n- (b) for each class of motor vehicles— (i) the total number of vehicles for which the insurer was chosen as the CTP insurer (differentiating between CTP policies for vehicles that were previously unregistered, renewals of existing CTP policies, and CTP policies for which the insurer was selected in place of another insurer); and (ii) the registration numbers of the vehicles and the names and addresses of the registered operators; and\n- (i) the total number of vehicles for which the insurer was chosen as the CTP insurer (differentiating between CTP policies for vehicles that were previously unregistered, renewals of existing CTP policies, and CTP policies for which the insurer was selected in place of another insurer); and\n- (ii) the registration numbers of the vehicles and the names and addresses of the registered operators; and\n- (c) changes of registered operators of vehicles insured under CTP policies with the insurer and the names and addresses of the new registered operators; and\n- (d) class of motor vehicle changes affecting vehicles insured under CTP insurance policies with the insurer; and\n- (e) the cancellation of registration of vehicles insured under CTP insurance policies with the insurer.\n- (i) the total number of vehicles for which the insurer was chosen as the CTP insurer (differentiating between CTP policies for vehicles that were previously unregistered, renewals of existing CTP policies, and CTP policies for which the insurer was selected in place of another insurer); and\n- (ii) the registration numbers of the vehicles and the names and addresses of the registered operators; and","sortOrder":69},{"sectionNumber":"sch.4-sec.17","sectionType":"section","heading":"Notice to accompany registration renewal notice","content":"### sch.4-sec.17 Notice to accompany registration renewal notice\n\nTransport administration must send, with each notice for the renewal of registration of a motor vehicle, a list of licensed insurers in a form approved by the commission.\nThe list must also be displayed at transport administration’s offices at which applications for registration and renewal of registration of a motor vehicle are accepted.\nsch 4 s 17 amd 2019 SL No. 201 s 7\n(sch.4-sec.17-ssec.1) Transport administration must send, with each notice for the renewal of registration of a motor vehicle, a list of licensed insurers in a form approved by the commission.\n(sch.4-sec.17-ssec.2) The list must also be displayed at transport administration’s offices at which applications for registration and renewal of registration of a motor vehicle are accepted.","sortOrder":70},{"sectionNumber":"sch.4-pt.7","sectionType":"part","heading":"General","content":"# General","sortOrder":71},{"sectionNumber":"sch.4-sec.18","sectionType":"section","heading":"Late fees","content":"### sch.4-sec.18 Late fees\n\nIf an insurer does not comply with an obligation imposed under the Act , a regulation or this deed within the relevant time limit, the commission may, by notice to the insurer, require the insurer to pay a fee for the delay in compliance.\nThe fee must be based on costs to the commission resulting from the delay.\nThe commission may, for good reason, remit a fee payable under subsection (1) .\n(sch.4-sec.18-ssec.1) If an insurer does not comply with an obligation imposed under the Act , a regulation or this deed within the relevant time limit, the commission may, by notice to the insurer, require the insurer to pay a fee for the delay in compliance.\n(sch.4-sec.18-ssec.2) The fee must be based on costs to the commission resulting from the delay.\n(sch.4-sec.18-ssec.3) The commission may, for good reason, remit a fee payable under subsection (1) .","sortOrder":72},{"sectionNumber":"sch.4-sec.19","sectionType":"section","heading":"Exclusion of collateral agreement etc.","content":"### sch.4-sec.19 Exclusion of collateral agreement etc.\n\nThis deed operates to the exclusion of a collateral agreement or understanding.\nSigned on behalf of [ insert name of the party ] on [ insert date of execution ]\nby [ insert names, addresses and occupations of persons authorised to execute document on behalf of the party ]\n____________________________\n[ signature of person authorised to execute document ]\nin the presence of [ insert name, address and occupation of witness ]\n____________________________\n[ signatures of witness ]","sortOrder":73}],"analysis":{"issue_detection":{"absurdities":[],"contradictions":[]},"flash_summary":{"complexity_score":7,"scope_assessment":{"changed":false,"description":"This regulation primarily provides detailed operational and administrative rules to implement the existing Motor Accident Insurance Act 1994. It specifies classifications, forms, timelines, reporting obligations, levies and an industry deed to coordinate insurers. The content is regulatory and procedural rather than expanding substantive coverage or creating new classes of beneficiaries; therefore it does not represent a significant broadening of the statutory scheme beyond the Act’s original purpose. Amendments documented in the text (updated fees, levies and minor procedural adjustments) are administrative updates rather than scope expansions."},"complexity_factors":["Lengthy regulation with multiple Parts and a multi‑part industry deed (Schedule 4) increasing scope and cross‑linking","Numerous cross‑references to the Motor Accident Insurance Act 1994 and other Acts (Health Practitioner Regulation National Law, Corporations Act, Insurance Act 1973, Commercial Arbitration Act 2013)","Multiple schedules referenced (Schedule 1 vehicle classes; Schedule 2 percentage amounts; Schedule 3 fixed levies; Schedule 4 industry deed; Schedule 5 dictionary)","Large number of defined terms referenced indirectly (dictionary in Schedule 5 and many Act definitions)","Many time‑sensitive obligations and different reporting windows (weekly, 7 days, 14 days, 1 month, 6 months, quarterly, 10 and 9 weeks)","Conditional rules with nested exceptions (e.g. bus classification exceptions and replacement bus rules in s 4; refund/shortfall rules in ss 9–12)","Monetary thresholds and minimums scattered through the text ($4/day, $10, $8.65 admin fee, $200 medical claim threshold, $10 min refund)","Detailed evidentiary requirements (certified identity documents, doctor’s certificate content, statutory declarations) increasing procedural complexity (ss 16–19)","Extensive insurer reporting requirements with differentiated content (required claim details, required further claim details, notifiable steps, cost breakdowns) (s 26)","Dispute resolution machinery within the industry deed: arbitration/referee, application of external arbitration rules, and prescribed cost‑sharing formulas (schedule 4, sch 4 ss 5–11)"],"plain_english_summary":"**What this regulation does (mechanically)**\n\n- Sets detailed rules that put the Motor Accident Insurance Act into practice. It establishes how motor vehicles are classified for compulsory third‑party (CTP) insurance premium purposes (Schedule 1) and how insurers, the commission and transport administration must operate day‑to‑day (see e.g. s 4; pt 3–6; schedule 4).\n\n- Fixes administrative numbers and processes: premium assessment periods and timeframes for insurers to submit premiums (s 5(1)–(3)); a permitted surcharge for special vehicle uses (racing etc.) (s 5(4)–(5)); a formula component for certain bus classes (s 5(6)); levies and an annual administration fee for registration periods (s 8 and schedule 3).\n\n- Prescribes how changes of vehicle class are handled mid‑registration: obligations to notify insurer and transport administration, and amounts to pay or to be refunded (s 9–12). It also states that levies and the administration fee are not refundable on class change or cancellation (ss 10, 12).\n\n- Regulates notice of claim content and supporting documents (forms, medical certificates, identity documents, and permissions to obtain records) and sets verification standards (ss 16–19). It specifies what info must be included, what must accompany a claim (doctor’s certificate, statutory declarations, identity evidence) and allows insurers access to a wide range of records relevant to a claim (s 19).\n\n- Requires insurers to follow procedural standards on offers and settlements (explanatory statements if the claimant is unrepresented, protections for minors and persons lacking capacity) (s 20).\n\n- Sets thresholds and documentary requirements for reimbursement of medical/rehabilitation expenses (minimum $200 unless final claim) and standards for evidence (s 21).\n\n- Creates reporting and transparency obligations for licensed insurers: frequent returns to the commission about claims, costs and processing steps, and filing of corporate and actuarial information (ss 23–26). It also authorises the commission and other public bodies and insurers to exchange relevant information (s 31).\n\n- Provides an approved industry deed form (schedule 4) that binds licensed insurers, the commission, the Nominal Defendant and transport administration. The deed sets out obligations on claims management, cost‑sharing procedures between multiple insurers, rehabilitation standards, dispute resolution (referee/arbitration) and information exchange (schedule 4, parts 2–7).\n\n**Who it affects**\n\n- Registered vehicle operators: pay premiums, surcharges (racing, occasional bus use) and must notify insurers and transport administration when vehicle use or class changes (ss 4, 5, 9–11).\n- Insurers licensed to provide CTP insurance: must comply with licensing application content (s 23), conditions of licence (s 24), reporting obligations (s 25–26), claims handling standards and participate in the industry deed arrangements (schedule 4).\n- The Motor Accident Insurance Commission and transport administration: set limits, approve forms/standards, receive and distribute data, and administer refunds/notifications (multiple provisions: ss 5, 8, 13, 31; schedule 4).\n- Claimants and medical practitioners: claimants must supply prescribed information and supporting certificates (ss 16–19); doctors must provide specified medical certificates.\n\n**Why it matters (official purpose then practical effects and trade‑offs)**\n\n- Officially, the regulation implements the statutory CTP scheme: it defines classes and premiums, sets administrative fees and levies, standardises claim forms and evidence, prescribes insurer conduct and information flows, and establishes an industry deed to coordinate multi‑insurer claims (see recitals and schedule 4).\n\n- Practical effects, incentives and trade‑offs:\n  - It centralises detailed decision authority with the commission for setting premium limits, seat‑based bus amounts and levies (s 5(6); s 8). That means the commission’s choices directly influence premium levels and distribution of costs between vehicle classes.\n  - It creates a compliance and reporting burden on insurers (frequent returns, actuarial reports on request, filing corporate documents, weekly data from transport administration) (ss 25–26; sch 4 s 16). These obligations increase administrative costs for insurers and require internal systems for timely reporting.\n  - It shifts verification and evidentiary burden onto claimants: prescribed detailed information, medical certificates signed by treating doctors, identity documents and statutory declarations in some cases (ss 16–18). This raises the administrative cost for claimants but standardises the information insurers receive.\n  - It imposes short time windows and monetary thresholds (various 7‑, 14‑, 30‑, 60‑day and weekly deadlines; minimum refund/payment thresholds like $10 and $200) that create bright‑line rules for operational handling but can produce procedural forfeitures if not complied with (ss 5, 9–12, 21, 26).\n  - For occasional uses (buses used for different purposes, racing), it allows insurers to charge small daily surcharges ($4/day subject to minimum $10, or $10/day for racing) which monetises occasional higher‑risk usage instead of changing annual classification (s 4(b); s 5(4)). This reduces permanent reclassification for brief uses but creates transactional friction (notify insurer, pay surcharge).\n  - The industry deed prescribes dispute resolution and cost‑sharing routines among insurers (schedule 4). Where insurers cannot agree, the deed provides arbitration and formulas to allocate costs (sch 4 ss 5–11). That reduces litigation between insurers but concentrates operational decisions in insurer‑driven processes and the commission’s oversight.\n\n**Who pays, who decides, and what behaviour changes**\n\n- Who pays: registered operators pay premiums, levies and any surcharges (ss 4, 5, 8). Insurers pay claim costs and must refund pro‑rata premiums in limited circumstances (ss 10–12). Licensed insurers bear compliance costs for reporting and recordkeeping (ss 25–26; sch 4 s 3).\n- Who decides: the Motor Accident Insurance Commission determines premium limits, approves forms and standards and may publish information (s 5; sch 4 s 14). Transport administration manages registration records and notifies insurers (sch 4 ss 15–17). Insurers decide on claim admissions, rehabilitation offers and whether to withhold information where fraud is suspected (ss 21–22; s 19). Referees/arbitrators decide multi‑insurer disputes under the deed (sch 4 ss 7–8).\n- What behaviour changes: vehicle owners must give prior notice of class changes and pay shortfalls to avoid penalties (s 9); insurers must strengthen claims processing, record keeping and reporting systems; claimants must collect and provide more documentary proof up front.\n\n**Implementation risk and compliance burden**\n\n- The regulation relies on frequent, timely electronic and documentary data flows (weekly transport administration data; 7‑/15‑/30‑day insurer returns) — failure in IT or resourcing could cause compliance problems and late‑fee exposure (sch 4 s 16; s 26; sch 4 s 18).\n- The regime builds in discretionary powers (commission sets amounts and standards; insurers can withhold information on fraud suspicion) that require robust oversight to prevent inconsistent application (s 5(6); s 8; s 22; sch 4 s 14).\n\n**Concrete references (selected)**\n- Vehicle classification and surcharges: s 4; s 5(4)–(6).\n- Premium submission timeframes and assessment periods: s 5(1)–(3).\n- Levies and administration fee: s 8 and schedule 3.\n- Change of class notifications, shortfalls and refunds: ss 9–12.\n- Notice of claim contents and doctor’s certificates: ss 16–18.\n- Insurer access to claimant records and information exchange: ss 19, 31.\n- Insurer reporting and returns: s 26; filing corporate/actuarial info: s 25.\n- Industry deed obligations, dispute resolution and information exchange between insurers and government: schedule 4 (parts 2–7)."},"flash_summary_failed":{"failed":true,"reason":"Unauthenticated. Configure AI_GATEWAY_API_KEY or use a provider module. Learn more: https://ai-sdk.dev/unauthenticated-ai-gateway","source":"analysis-cron"},"kimi_summary":{"_metrics":{"provider":"moonshot","completionTokens":2228},"content_quality":"ok","complexity_score":7,"scope_assessment":{"changed":false,"description":"The regulation remains tightly focused on its original purpose: operationalizing the Queensland CTP insurance scheme. It covers premium setting, claims procedures, insurer licensing, and inter-insurer cooperation without significant mission creep into unrelated policy areas."},"complexity_factors":["Extensive cross-referencing to the parent Motor Accident Insurance Act 1994, the Transport Operations (Road Use Management) Act 1995, and Commonwealth legislation (Corporations Act, Insurance Act 1973).","Mathematical formulas for calculating premium adjustments, refunds, and levies (e.g., sections 8, 9, 10, and 12).","Nested conditional logic and multi-level exceptions, particularly in vehicle classification rules (section 4) and the cost-sharing mechanisms for multi-insurer claims (Schedule 4).","Detailed documentary and data requirements for claims, including specific verification methods (statutory declarations, certified copies, medical certificates under sections 17–19).","Incorporation of a complex multi-party contractual framework (the Industry Deed in Schedule 4) that operates as part of the regulation itself.","Heavy reliance on defined terms located in Schedule 5 (not fully reproduced in the provided text) and external standards."],"plain_english_summary":"This is the **Motor Accident Insurance Regulation 2018** (Queensland), which sets out the practical rules for the state’s Compulsory Third Party (CTP) insurance scheme—the mandatory insurance every registered vehicle must have to cover compensation for people injured in road accidents.\n\n**Who it affects and what it does:**\n\n*   **Vehicle Owners:** It determines how much you pay by classifying vehicles into categories (e.g., sedans, buses, trucks) in **Schedule 1**. If you modify your car or change its use (e.g., from private to commercial), you may have to pay a **premium shortfall** (the difference in cost), or you might be entitled to a refund if the premium drops. You must notify the authorities within 14 days of certain changes.\n*   **Insurance Companies (Licensed Insurers):** It dictates how they calculate and submit premiums to the Motor Accident Insurance Commission (MAIC), what levies they must collect (for hospitals and emergency services), and how they handle claims. They must submit detailed monthly returns about every claim, including costs, legal fees, and rehabilitation expenses.\n*   **Accident Victims (Claimants):** It sets out the strict paperwork required to make an injury claim. You must submit a **notice of claim** with specific details: your Medicare number, a doctor’s certificate describing your injuries, diagrams of the accident, alcohol/drug consumption history, and proof of identity. If you settle, special rules apply if you don’t have a lawyer or if you lack legal capacity.\n*   **The Industry Deed (Schedule 4):** This is essentially a contract baked into the law between all CTP insurers, the MAIC, and the government. It governs how insurers share the costs of claims when multiple vehicles (and thus multiple insurers) are involved in one accident, and sets rules for exchanging information to prevent fraud.\n\n**Why it matters:**\nThis regulation puts the meat on the bones of the Motor Accident Insurance Act. It ensures the CTP scheme is funded fairly (higher premiums for higher-risk vehicles), prevents fraud through strict documentation requirements, and ensures injured people can access compensation while keeping insurers accountable for efficient claims management."},"summary":{"complexity_score":7,"scope_assessment":{"changed":false,"description":"The regulation appears to remain focused on its original purpose: providing detailed operational rules for Queensland's CTP insurance scheme. The amendments over time (2019–2025) reflect updates to levy amounts and minor technical adjustments rather than any fundamental expansion or contraction of scope. The regulation consistently covers vehicle classification, premium setting, claim procedures, insurer licensing and reporting — all within the CTP insurance framework contemplated by the Motor Accident Insurance Act."},"complexity_factors":["Multiple vehicle classification categories with overlapping rules and exceptions (especially for buses with classes 9, 10A, 10B, 11)","Mathematical formulas for calculating premium shortfalls, refunds, and pro-rated levies requiring knowledge of registration dates and premium amounts","Highly prescriptive and lengthy claim notice requirements across sections 16-19, with many conditional sub-requirements","Interaction with multiple other pieces of legislation (Motor Accident Insurance Act, Transport Operations Road Use Management Act, National Injury Insurance Act, Corporations Act, Insurance Act 1973 (Cwlth), Health Practitioner Regulation National Law)","Differentiation between various claim types (direct claims vs 'derivative claims' made by dependants of deceased victims)","Detailed reporting obligations for licensed insurers with strict timeframes and extensive defined terms","Special rules for vulnerable claimants lacking full legal capacity, requiring court or Public Trustee approval of settlements","Conditional exceptions layered within exceptions (e.g. the 14/365 bus rule and replacement bus rule)","Frequent amendments since 2018 creating version-tracking complexity","Defined terms in a separate schedule (schedule 5) not fully visible in the text, creating lookup dependencies"],"plain_english_summary":"This regulation sets the practical rules for Queensland’s Compulsory Third Party (CTP) insurance: how vehicles are classed for premiums, extra levies added to registration, who is covered (including mobility devices via the Nominal Defendant), and obligations on insurers and bus/farm operators. It also defines what injured people must provide to make a claim, medical expense thresholds, and requirements to notify insurers of vehicle-use changes (or face penalties). It's essential for vehicle owners, claimants and CTP insurers."}},"importantCases":[],"_links":{"self":"/api/acts/motor-accident-insurance-regulation-2018","history":"/api/acts/motor-accident-insurance-regulation-2018/history","analysis":"/api/acts/motor-accident-insurance-regulation-2018/analysis","conflicts":"/api/acts/motor-accident-insurance-regulation-2018/conflicts","importantCases":"/api/acts/motor-accident-insurance-regulation-2018/important-cases","documents":"/api/acts/motor-accident-insurance-regulation-2018/documents"}}