What happens after you have submitted your claim depends on what claim form you have submitted.
Generally, there are three main claim forms:
For more information on which form is for you, see how to claim.
Accident notification form (early benefits)
The insurer will look at the information you have provided in your ANF and decide whether (or not) to accept your claim.
They will let you know within 10 working days of receiving the form.
You need to provide them with any receipts or accounts for treatment expenses if you want reimbursement or for treatment you have already received.
The insurer will pay treatment costs first. If these are less than $5,000 the insurer may pay for lost income, but only for time lost from work up to six months after the motor accident.
These payments are available regardless of who was at fault in the accident.
Personal injury claim form (full claim)
1. Insurer confirms they’ve received your form
If you lodge a personal injury claim form, the insurer will send a letter within five days of receiving it to:
- confirm they have received your form
- give you a claim number to use in all your future letters and contact with them
- tell you the name and phone number of the person who will handle your claim
2. They do an investigation
Then the insurer will conduct an investigation. They may:
- look at the police report on the accident
- review reports from your doctors and other health professionals
- ask you to see other medical specialists for assessment
3. They accept or reject your claim
Within three months of receiving your form, the insurer will advise you whether or not they accept your claim.
If the insurer accepts your claim, they will pay reasonable hospital, medical, rehabilitation and travel costs.
If you have paid for treatment and other costs yourself you can ask the insurer to pay you back if they later accept your claim.
If they deny your claim, you will have to pay all your medical costs. You may however be able to claim part or all back from Medicare or your own private health or other insurance.
4. Claim is finalised (claim settlement)
After some time, and once you have recovered from your injuries the insurer will write to you with a settlement offer.
The offer will be for money to cover losses arising from your injuries, this may include the cost of treatment you will need in the future (if applicable) and past and future loss of income.
With serious injuries the offer may cover an additional payment for pain and suffering.
You can reject the offer and negotiate a different settlement amount either by yourself or through a lawyer.
Once you accept the offer, your claim is finalised and you cannot make any further claim from the insurer for the injuries.
If you can't agree with your insurer
Sometimes there can be disputes about compensation. If there’s a dispute, there’s help available. Our motor accidents disputes section has more information.
Or call our Claims Advisory Service on 1300 656 919.