In this section
START OF Cars and driving
END OF Cars and driving
If you’re involved in a car accident, there may be some legal obligations to attend to before leaving the scene.
Accidents must be reported to the police if anyone is injured or dies. The police have wide powers to get information about car accidents.
If you cause an accident you’re also responsible for any damages.
You should get legal advice when someone makes a claim against you , or if you want to make a claim against someone else for damage to your property.
If you don’t know the name of the other person involved in an accident but you have their car registration number, you can find the owner’s details by searching the Department of Transport and Main Road’s Queensland Motor Vehicle register.
There are time limits for making a claim for motor vehicle property damage.
If you’re involved in a car accident, you may also be charged with a traffic offence.
Get legal advice.
If you're seeking compensation for a personal injury that occurred as a result of a car accident, you may be eligible for assistance through the Civil Law Legal Aid Scheme.
If you’re involved in a traffic accident you must stop and give your name and address to the other person involved. If the vehicle is unoccupied you can leave your details for the owner. If there’s any damage to vehicles or people involved you should report it to the police.
If someone is injured, you must remain at the accident scene and help until the appropriate authorities arrive (eg police, ambulance etc.)—unless—you’re getting medical or other help for yourself or other people involved.
If you’ve been charged with leaving the scene of an accident, get legal advice.
Have you been in an accident?
I’ve had a car accident and I’m uninsured (Insurance Law Service)
Making a claim on your car insurance (PDF, 256KB) (Insurance Law Service)
What can I do if my car insurance claim is refused? (Insurance Law Service)
Car accidents must be reported to the police if there’s any damage to vehicles or other property or if anyone is injured or dies. If the police come to the accident scene, they may test any drivers involved for drugs or alcohol and ask you questions about what happened.
The police have wide powers to get information about traffic accidents.
If you’ve been involved in a traffic accident, you must give the police any information that will help identify:
The police can also ask for information about any vehicle, person, animal or property involved in the accident or how the accident happened. This may include witnesses or passengers or other people not involved in the accident.
It’s a criminal offence not to give this information to the police, or to give false information about a traffic accident.
If you have a car insurance policy, you should let your insurer know about the accident as soon as possible. This is a requirement of most insurance policies.
It’s a good idea to report any accident to your insurer even if you decide not to make a claim against your insurance, because the other driver may decide to make a claim against you. Even if you know the other driver is not going to make a claim you still have a duty of disclosure to report it to your insurer.
There are different types of insurance:
Your insurance policy will set out what you are covered for.
If you have a dispute with an insurance company, get legal advice.
What can I do if my car insurance claim is refused? (PDF, 235KB) (Insurance Law Service)
If another person thinks you were responsible for the accident (liable), they might make a claim against you for any damage to their vehicle or property.
They may sometimes send you a letter of demand asking you to pay for the damage caused by the accident.
If you’re insured you can pass this letter onto your insurer. Most insurance policies have an excess, which means you have to pay the amount of the excess before the insurance company will accept the claim.
If you’re not insured and you receive a letter of demand get legal advice about whether you are fully or partially responsible for the accident (this is called liability). Liability can be shared between more than one person (eg both you and the other driver might be at fault).
You can ask for evidence of the amount of damage being claimed against you (eg quotes or valuations). This is called quantum.
When you have all the information you should negotiate with the other person or their insurance company. Get legal advice.
If you have damage to your own car from the accident and the other driver is partially responsible, you may be able to make a claim against them for the damage to your car (a counter claim). Get legal advice.
If you can’t reach an agreement you may have to go to court.
For claims less than $25,000 you can go to the Queensland Civil and Administrative Tribunal (QCAT). For claims over $25,000, you can go to the state civil courts.
If you think someone else is responsible (liable) for the accident, you can make a claim against them for any damage to your vehicle or property.
If your car can be repaired, you should get a written quote from qualified repairers for both labour and parts to repair the vehicle. It’s advisable to get more than one quote to prove that the amount you are asking for is reasonable.
If it can’t be repaired or the cost to repair the vehicle is more than the vehicle is worth (write off), you should get 2 written valuations from car yards, qualified panel beaters or other expert valuers (eg car clubs such as Redbook or Glass Guide) for the car’s pre-accident value.
If the car can be repaired, you can claim:
If the car is written off you can claim:
To make a claim, you should send a letter of demand with copies of quotes or valuations to the driver of the other vehicle and to their insurer asking for payment within a fixed time period (eg 14 days). If the owner and the driver are not the same person, in limited circumstances the owner may be liable as well as the driver, and a separate letter should be sent to each person. If you’re unsure about whether the owner is liable get legal advice.
If the other person doesn't pay the amount owing within the time specified in the letter of demand—or they don’t respond—then you can take action in the state civil courts (for claims over $25,000), or in the Queensland Civil and Administrative Tribunal (QCAT) (for claims $25,000 or less). The Australian Financial Complaints Authority (AFCA) may be able to help if you have a dispute with another person's insurance company about motor vehicle property damage. Get legal advice before lodging a dispute.
If you don’t know the vehicle owner’s name, but you have the registration number, you can find the owner’s details by requesting a Queensland Motor Vehicle Register search.
The information requested must be about the vehicle/s involved in the incident or accident.
To make an application you must supply 1 or more of the following:
You have 6 years to make a claim for motor vehicle property damage. To ensure the best outcome you should make a claim as soon as is possible. Get legal advice.
You may need legal advice if:
We may give legal advice for property damage disputes resulting from a car accident.
We don’t give legal advice about personal injuries—but you may be able to make an application through the Civil Law Legal Aid Scheme (CLLAS) to help with some of the costs for a personal injury claim. You may need private legal advice before making an application.
Our Consumer Protection Unit (CPU) may give specialist legal advice and help where an insurer is refusing or delaying an insurance claim.
The following organisations may be able to give legal advice:
Insurance Law Service gives free specialist legal advice to anyone in Australia about insurance law or resolving a dispute with an insurer.
Rural Women's Outreach Legal Service gives free initial legal advice to rural women on a range of legal matters, including car accidents (recovery of money for repairs to the car).
South West Brisbane Community Legal Service (SWBCLS) gives free legal advice on a range of legal issues, including motor vehicle accidents.
Students Legal Service - University of Queensland gives free legal advice to UQ students only, including advice about motor vehicle accidents.
Queensland Law Society can refer you to a specialist private lawyer for advice or representation, including lawyers who help with personal injury claims.
The following organisations may also be able to help. They don’t give legal advice.
Queensland Civil and Administrative Tribunal (QCAT) make decisions to resolve disputes for a range of matters including minor civil disputes like motor vehicle property damage.
Australian Financial Complaints Authority (AFCA) offers dispute resolution for complaints about financial services, including general insurance.
Motor Accident Insurance Commission deals with compulsory third party (CTP) and personal injury claims. Contact the commission if you wish to make a claim.
National Injury Insurance Scheme Queensland is a no-fault scheme that provides necessary and reasonable lifetime treatment, care and support to those who sustain eligible serious personal injuries in a motor vehicle accident or work related accident in Queensland, on or after 1 July 2016.
RACQ Motoring Advice Service (members only) can help RACQ members with information and advice relating to the use and ownership of a motor vehicle in Queensland.
Office of Fair Trading has a helpful guide for consumers to getting motor vehicle repairs and resolving disputes.