Make a claim
An accident on the road is always a stressful time – but Motor Accident Injuries (MAI) Insurance can help with the aftermath. MAI Insurance provides cover for people injured in a motor vehicle accident in the ACT. You may be entitled to receive treatment, care and income replacement benefits for up to five years – regardless of who was at fault.
If you’ve lost a close relative or dependant in a motor accident you may be able to make a claim for funeral expenses and death benefits.
You can find out more if your accident happened before 1 February 2020.
To claim, you’ll need to:
- Report the accident to ACT Policing.
- Identify the MAI insurer of the vehicle most at fault for the accident.
- Seek appropriate medical treatment.
- Visit your doctor (GP) and let them know you were injured in a motor vehicle accident. They’ll need to complete a Medical Report form for you. Your GP will play an important role in helping you recover.
Complete the relevant forms
Some of the forms will need to be printed and signed. If you can’t print them, contact us on 13 10 10 and we can send the forms to you.
Submitting your claim
Submit your completed claim form or forms as soon as possible, within 13 weeks after the date of the accident, or in the case of dependant benefits within 13 weeks of the deceased’s date of death. Send your forms to the insurer of the vehicle most at fault. If you’re unsure who this is, give us a call on 13 10 10.
Did your accident happen before 1 February 2020?
On 1 February 2020 the Motor Accident Injuries (MAI) Insurance scheme replaced the Compulsory Third Party (CTP) scheme in the ACT.
If your accident happened before 1 February 2020, give us a call on 13 10 10 and we can help you lodge your claim.
You can find our ACT MAI Insurance Privacy Statement online. This statement explains how we collect, hold, use and disclose your personal information and who we share it with, and explains how we protect your personal information.
FAQ
We know lodging a claim can be confusing at times. The below frequently asked questions can help you understand the process.
You will need to submit the following documents in full:
- Personal Injuries application form
- Medical Report
The Medical Report and Fitness for Work Certificate (if applicable) must be completed by your usual general practitioner. To avoid delays please make sure they are fully completed, dated and signed.
Please send these forms to us in writing no later than 13 weeks after the date of the motor vehicle accident if you intend to make a claim.
Your application should also include copies of any payments made for treatment expenses, as you may be entitled to claim reimbursement for these expenses.
After we receive your completed application form, we lodge the application and give it a claim number. Your claim number is a unique number to identify your claim. You can provide this claim number to your treating health practitioner(s) to use in their correspondence with us.
To make an application, you must report your motor vehicle accident to the police. If your accident has not been reported or the police did not attend the accident, please report the accident via the Police Assistance Line (13 14 44) within 28 days after the accident. If it has been longer than 28 days and you haven’t reported your accident, please contact us on 13 10 10.
A key objective of the MAI Insurance scheme is to encourage early and appropriate treatment and care of people injured in motor accidents to achieve optimum recovery and return to pre-accident levels of activity and work. Treatment and care as recommended by your treating health practitioner(s) will be supported on acceptance of your claim for defined benefits, provided that the recommended services, treatment and costs are reasonable and necessary and relate to injuries caused by the motor vehicle accident.
Your treating health practitioner(s) will be required to submit a request, referral or plan to outline your treatment needs. This process is called the pre-approval process.
We review all requests against set criteria to help support your recovery and assist you to return to your pre-accident activities.
We reimburse any reasonable and necessary treatment, care or travel expenses incurred in relation to injuries caused by the motor vehicle accident – even if you have already paid these expenses. Contact your claims advisor to discuss the expenses that can be reimbursed.
Income replacement benefits provide fortnightly payments for injured people who have suffered a total or partial loss of earnings as a result of injuries suffered in a motor vehicle accident. When we receive your application we assess your eligibility for income replacement benefits in accordance with the Motor Accident Injuries Act 2019 (ACT), and the associated Regulations and Guidelines.
You may be eligible to claim funeral expenses if you paid, or are liable to pay, these expenses for your family member.
Funeral expenses may include:
- transport expenses, including the cost of transporting a deceased’s remains interstate or overseas
- the cost of obtaining a death certificate and any permits
- funeral director fees
- expenses of, or associated with, a cremation or burial, and
- expenses of, or associated with, a funeral or memorial ceremony.
If you need help understanding what you are entitled to claim, please contact us on 13 10 10.
You should submit your application as soon as possible, within 13 weeks from the date of the motor vehicle accident or deceased’s date of death (as applicable). If you lodge your application after 13 weeks, you will need to supply a full and satisfactory explanation for the delay in submitting your application.
We are committed to providing you access to benefits as quickly as possible. Your Claims Advisor will contact you within 3 business days of receiving your application and advise you of the next steps in the claim process.
You may be entitled to Quality of Life benefits. Speak to your Claims Advisor about this process. View the Quality of Life Defined Benefits Application form.
