Have you been in an accident? A guide to help you work out who pays for the damage
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Disclaimer:
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How this guide can help me
This guide can help you if there has been an accident and:
- your vehicle or other property was damaged and you want to claim for the damage
- you were involved and a claim is being made against you.
Is there a time limit?
Yes. You must make your claim within six years from the accident date. But it is usually easier to make a claim soon after the accident, while the evidence is fresh in the minds of your witnesses.
What if someone was injured in the accident?
If someone was injured in the accident and wants to claim compensation for injuries, you should talk to a lawyer quickly and get legal advice. This guide does not provide information on this topic.
Should I get legal advice?
Yes. This booklet contains general legal information, not legal advice. For legal advice about your problem, you need to talk to a lawyer. You can call Legal Aid Queensland on 1300 65 11 88 to get free legal information and advice.
My vehicle (or other property) was damaged in a car accident—what should I do?
Step 1. Gather information about the accident
You’ll need:
- the make, model, colour and registration details of the vehicles involved
- the full names and addresses of the owners and drivers of each vehicle involved (your claim is against the people responsible for the accident, usually the driver of the vehicle that caused the accident — if the driver is not the owner, get legal advice about whether to make a claim against the owner as well as the driver)
- details of any witnesses who saw the accident, including their full names, addresses and phone numbers
- photos of the accident scene taken before the vehicles are moved (if possible)
- photos of the damage to any vehicle involved
- a copy of the Traffic Accident Report (a report will only be available if police investigated the accident); to get this information you will have to fill out an application and pay a fee — contact CITEC Confirm on 1800 773 773 (toll free), or visit their Queensland Police reports page.
Step 2. Work out who caused the accident
Work out who is responsible for causing the accident. The person who caused the accident is liable to pay for the damage.
If you caused the accident, you or your insurance company should pay for the damage to your vehicle and the other person’s vehicle. If the other driver caused the accident, they or their insurance company should pay.
If you think someone other than a driver or something else caused the accident (for example, a pedestrian or a dog running across the road), you should get legal advice about how to recover your costs. This guide only deals with accidents caused by one or both drivers.
What are my options if the other driver caused the accident?
- If you have comprehensive insurance you can make a claim on your policy to cover the cost of the damage. The insurance company will then handle all negotiations with the other driver.
- You can make a claim against the other driver and negotiate with them to pay for the costs (see step 3 in If you want to claim against the other driver).
- If negotiations don’t work you can take them to court (see step 4 in If you want to claim against the other driver).
What are my options if I caused the accident?
If you have comprehensive insurance or third-party property insurance, you should notify your insurance company immediately. The insurance company will handle all the negotiations with the other driver.
What if I don’t have insurance?
- If the other person asks you to pay and you believe their claim is fair and reasonable, you can go ahead and pay them.
- If you do not believe their claim (for who caused the accident or the amount) is fair and reasonable, you can try to negotiate an agreement with them.
- If negotiations don’t work, you should get legal advice about how to defend a claim against you.
- Always try negotiating rather than going to court.
What if more than one driver caused the accident?
If both drivers were partly responsible for causing the accident, they should each pay for the portion of the damage they caused. For example, if there is an accident in which one driver fails to give way and the other driver is speeding, both drivers’ actions have contributed to causing the accident and the damage.
‘Contributory negligence’ is the term used when more than one person causes an accident. Let’s say driver Andrew Smith is 20 percent responsible and driver Anne Cremer is 80 percent responsible for causing the accident, and the cost of the damage to Andrew Smith’s car is $5000 and the cost of the damage to Anne Cremer’s car is $10,000.
The claims the drivers would have against each other are:
- Andrew Smith claims 80 percent of his damage from Anne Cremer (80 percent of $5000) = $4000
- Anne Cremer claims 20 percent of her damage from Andrew Smith (20 percent of $10,000) = $2000
Therefore, they would settle the claim by Anne Cremer paying Andrew Smith the net amount of $2000 ($4000 – $2000 = $2000).
How is the percentage of responsibility for the accident worked out?
The two drivers can try to work out the percentage of responsibility for the accident, or if the case goes to court, the court can decide it. In most situations, it is better for everyone involved in the accident to negotiate and reach an agreement about how to pay the damage bill without going to court.
To work out the percentage of responsibility, think about your driving and the other person’s driving at the time of the accident, and ask yourself these questions:
- Would other reasonable drivers have done the same thing in the same situation?
- Did I and the other drivers give full attention to the road conditions and their driving?
- Did I and the other drivers break any road rules, like not stopping at a red light, speeding, drink driving or not giving way?
If someone claims against you
What if I am responsible for the accident but can’t pay for the repairs?
If the other driver’s insurance company is asking you to pay for the repairs but you can’t afford to, you may be able to negotiate a payment plan that suits your financial situation. The law says insurers have to give people options for paying repair costs after the accident if they are experiencing financial hardship.
Your options could include:
- paying the amount owed over a longer period of time
- reducing the amount you have to pay each fortnight or month to an amount you can afford
- putting payments off for an agreed period of time until you are back on your feet financially
- agreeing on a reduced amount to be paid by a lump sum in full and final settlement of the insurer’s claim.
A financial counsellor can help you plan a payment schedule. For more information about free financial counselling services, call the Financial Counsellor’s Association of Queensland on 1800 007 007.
If the other driver does not have insurance, you can still try to negotiate to pay the amount over time.
If you want to make a claim against the other driver
Step 1. Send a letter indicating your intention to claim
It is a good idea to write a letter soon after the accident notifying the other driver of your intention to claim against them for the cost of the repairs. You should do this if it is going to take some time to get a repair quote. If the other driver has insurance they can pass the letter on to their insurance company.
Step 2. Get a quote for repairs and work out your claim
Get a quote-there is no need to get a second quote unless the amount is disputed. Photocopy the quote and keep the original. If you paid for towing, photocopy your receipts and keep the originals. You do not have to use a repairer suggested by the other person.
How do I work out the total amount of my claim?
The total amount of your claim should be the cost to repair your vehicle to the condition it was before the accident, plus any towing fees. If you were partly responsible for the accident (contributory negligence), you will claim the total less your percentage (see step 2 in My vehicle (or other property) was damaged in a car accident — what should I do?).
What if my vehicle was written-off?
If your vehicle is written-off, it means the cost to repair it is more than the vehicle is worth at wholesale (dealer's) value. The total amount of your claim should be the wholesale value of your vehicle, plus any towing fees.
To calculate the value of your vehicle, find out its value before the accident and subtract the value of the vehicle as a wreck. For a small fee, Red Book (www.redbook.com.au) or Glass's Guide (www.glassguide.com.au) will give you a certificate of the value of your vehicle before the accident. A car wrecker will be able to tell you the value of the vehicle as a wreck.
You should also contact a Department of Transport and Main Roads customer service centre and ask about cancelling the car registration and getting a refund.
What if other property (not a vehicle) was damaged?
The total amount of your claim should be the cost to repair the property to the condition it was in before the accident. For example, if a driver lost control of their vehicle and damaged your brick fence, you need to get a quote showing how much it will cost to repair your fence to its condition before the accident.
Step 3. Contact the people responsible for the accident and try to negotiate an agreement
The aim of contacting the people responsible for the accident is to give them the chance to pay for the damage or negotiate with you to reach an agreement without having to go to court. Going to court should be a last resort as it is time consuming and can be costly and stressful.
When you have all your information ready, you should send a letter of demand to the other driver, outlining your claim for damages and including copies of quotes and towing receipts (see sample letter(PDF, 60KB)). The letter should be typed or neatly hand written.
If you know the people responsible for the accident have insurance, you should also send a letter to their insurance company outlining your claim (see sample letter(PDF, 61KB)). The insurance company will reply to your letter and either accept or deny they should pay for the accident. The insurer will probably want one of their assessors to inspect your vehicle.
Keep copies of all letters, quotes and receipts.
Step 4. Reaching an agreement
Tips for negotiating
Can anyone help me negotiate?
Australian Financial Complaints Authority
If you are having trouble reaching an agreement with another person's insurer, you may be able to use the Australian Financial Complaints Authority (AFCA).
Provided you are uninsured and the damage to your vehicle is less than $15,000, the AFCA may be able to help you resolve your dispute by mediating between you and the insurer.
They can also give you information about how they deal with complaints like yours and will refer you to free financial counselling services.
Contact the AFCA on 1800 931 678 or www.afca.org.au.
The Department of Justice's Dispute Resolution Branch
If there is no insurance company involved, you could consider mediation.
The Department of Justice offers a mediation service. Mediation is a way of settling a dispute without taking legal action.
It lets you and the other driver meet together with two neutral mediators who will help you discuss the dispute. The mediators do not take sides, give advice or make decisions for you.
They help you to make your own decisions and work out an agreement that is acceptable and workable for both of you. Mediation can be arranged in around two weeks and is free.
Contact the Dispute Resolution Centre on (07) 3738 7000 (Brisbane callers) or 1800 017 288 (toll free for regional and rural callers), or www.justice.qld.gov.au.
If you reach agreement, you should confirm this in writing to make sure it is a final agreement (see the sample agreement(PDF, 75KB)).
Step 5. Consider legal action
If you don't get a response from the people responsible for the accident, or their insurance company writes back refusing to accept their client was responsible for the accident, you have the option of taking legal action.
Before you decide to take people to court or the tribunal, ask yourself these questions:
- Is the person I am taking legal action against able to pay me if I win?
- If I go to the Magistrates Court, can I pay the other people's legal costs if the case goes to trial and I lose?
If the answer to these questions is no, it may not be worth the effort and expense of taking legal action.
Should I get my car repaired before or after I take legal action?
You should go ahead and get your car repaired if your claim cannot be settled quickly. You should take photos of the damage to your car and keep any quotes, invoices and receipts you receive.
Step 6. Prepare written statements
It is important to be prepared before starting your claim. Write and date your statement explaining what happened in the accident. If anyone witnessed the accident and is willing to make a statement, ask them to write a statement explaining what they saw (see the sample witness statement(PDF, 101KB)).
The person making the statement should include these details:
- their name, age, address and occupation
- how they came to witness or be involved in the accident
- what happened just before the accident, how it happened and what happened just after the accident
- the date, time and location of the accident
- the condition of the road, weather conditions and how dark or light it was at the time of the accident
- an estimate of how fast the vehicle was travelling and any skid marks
- where the vehicle was damaged
- if drivers used (or should have used) indicators, headlights or brake lights and if they obeyed traffic signals or other traffic markings
- any conversations they heard or were involved in at the accident scene
- their signature and the date.
You may also want to gather other evidence to help your claim in court. You can take photographs or video footage of where the accident took place and the damage to your vehicle.
How do I take legal action?
Queensland Civil and Administrative Tribunal
If the damage to your vehicle is $25,000 or less and you are only claiming damage to a motor vehicle or expenses directly associated with the accident such as towing fees, you can go to the Queensland Civil and Administrative Tribunal. For more information about this process see How do I take legal action?.
Please seek legal advice if you are attempting to claim for hire car fees or loss of wages as part of the QCAT process.
Once a case is heard and resolved by the tribunal you cannot take it to the Magistrates Court other than for enforcement. The tribunal has appeal processes; see The adjudicator's decision for more information. You should get legal advice if you are considering appealing a tribunal decision.
Magistrates Court
If your damage is less than $150,000, you can go to the Magistrates Court. For more information on this process, see Making a claim in the Magistrates Court.
You should get legal advice to make sure you have selected the right court for your legal action.
Making a claim in the Queensland Civil and Administrative Tribunal
The Queensland Civil and Administrative Tribunal (QCAT) provides a flexible, do-it-yourself, low-cost way to resolve a motor vehicle property damage dispute up to $25,000.
Lawyers are not allowed to participate unless both sides agree or unless the tribunal agrees to you being represented.
The tribunal may agree if:
- the other party is being represented or
- the process is likely to involve complex questions of fact or law or
- one party is a government agency.
You should get legal advice about whether you should get legal representation. You must complete and lodge an Application for leave to be represented (Form 56) if you want to be legally represented. This form can be downloaded from the QCAT website www.qcat.qld.gov.au. The form includes instructions for completing.
If you are legally represented, the tribunal makes orders about legal costs at the end of the hearing. Each person usually pays their own legal costs, but in some circumstances where the tribunal considers it is appropriate, the tribunal can order that one person contribute to the other person's legal costs.
The person who makes the claim is called the 'claimant', the other person is called 'the respondent'.
Motor vehicle property damage disputes before the tribunal are decided by adjudicators who are lawyers.
You prepare your own case and pay a fee to lodge your claim. The fee depends on the amount of your claim. In special circumstances the tribunal may approve an application to waive the fees. You must complete and lodge an Application for waiver of fees by reason of financial hardship (Form 49).
It is possible you may be both a claimant and a respondent. For example, if someone makes a claim against you, but your car is also damaged and you believe they are wholly or partly responsible for it, you can also lodge a counter application against them (Form 8). It is best to get advice from a lawyer before doing this.
How do I make a claim?
Step 1. Prepare the claim documents
To start a claim in the QCAT complete an Application for minor civil dispute - consumer dispute (Form 1)
Application for minor civil dispute - consumer dispute forms are available from the QCAT, your local courthouse or the QCAT website. Read the information at the beginning of these forms and follow all the instructions so you complete your claim accurately.
On your application form, in the space where you give full particulars of your claim, remember to include:
- time, date and place of accident
- make, model and registration number of your vehicle and the other vehicle
- correct name and address of the other driver
- details of how the accident happened (use a diagram if it helps)
- the total amount of your claim and how it is made up.
Step 2. Lodge your claim
Make two copies of everything. Photocopies are acceptable, but you must sign the form before you copy it. Submit the original and two copies of your claim to the QCAT registry along with the filing fee. You will be given back two stamped copies. One is for serving on the respondent to notify them of the claim and the other is for your records. You can file your documents by posting them to the registry, but you must enclose a stamped self-addressed envelope. If you win, the tribunal may direct the other person to pay back your filing fee.
The tribunal will then send you a Notice of mediation, which will include the date, time and location you and the respondent need to attend mediation.
Step 3. Notify the other person about your claim
Arrange to have one of the stamped copies of the Application for minor civil dispute - consumer dispute forms served on the person or business you are claiming against as soon as possible. This should be served on the respondent in person or can be delivered to a business in person or by post.
You can do this yourself, but it is often better to pay a private process server (someone who does this for a living) or enforcement officer from the Magistrates Court to do it for you. You can find a process server by asking the Magistrates Court registry or looking in the Yellow Pages or other business directory.
The QCAT published a Tribunal Practice Direction number 2009/08 (updated November 2013) about service of documents in person. Visit the QCAT website to download an up-to-date copy of the directions for service. You should get legal advice if you intend to serve the documents on the respondent yourself.
Once the documents have been served on the respondent, you need to fill in an Affidavit of service (Form 9), which is available on the QCAT website.
Step 4. Attend mediation
Once your application and forms have been received the QCAT will review the information you provided. The tribunal will then contact you about the next step in settling your dispute. This will usually involve you and the respondent attending mediation either in person, or via phone or videoconference.
The aim of mediation is to find a solution to the dispute without having to hold a hearing.
Disputes up to $1500 will be listed for hearing and no mediation will occur.
How should I prepare for the mediation?
You need to bring every document, invoice, receipt, quotation or other piece of evidence you are relying on and give them to the mediator at the mediation. Make sure you are organised and have evidence to support your arguments main points
If you're attending mediation via phone or videoconference, a tribunal staff member will contact you either the day before or on the day of the mediation to explain the process to you.
If you're attending the mediation in person, you should:
- arrive at least 15 minutes before the start time outlined in the Notice of mediation; the other person will be there too
- find your name or case number and room on the electronic listing board or list displayed in the registry
- go to the room that has been set aside for your case and wait outside until the mediator (the person responsible for conducting the mediation) invites you into the room.
What happens during the mediation?
The mediation may be conducted by a tribunal staff member, an adjudicator, principal registrar or an independent mediator.
The mediator will introduce them self and ask the parties attending to introduce themselves. Generally the mediation is held in private and the mediation length will depend on the matter's complexity.
When presenting your argument, you should be clear and to the point. Do not interrupt the other party or the tribunal representative. If you do not behave appropriately, you may be removed from the mediation or punished for contempt.
The discussions held during the mediation cannot be used or referred to at any further hearing unless both people agree.
What happens if we reach an agreement?
If the parties reach an agreement the mediator may record the agreement's terms in writing and make the orders necessary to give effect to the agreement. An order is a decision made by the QCAT that requires someone to do something (for example, it may require a person to pay damages). Each party will then sign the mediation agreement and receive a copy.
Either party may ask the tribunal to make the agreement into an order.
What if we cannot reach an agreement?
If you cannot reach an agreement, the mediator will work with you to set out what issues are still in dispute and what issues have been resolved. They will then give this information to the tribunal. The tribunal will then set a date for the hearing.
How do I defend a claim against me?
You do not need to prepare a formal response if someone files a claim against you for motor vehicle property damage.
However, you can file a written submission detailing your version of what happened in the accident with documents that you wish to rely on.
If your own car was also damaged in the accident, you may believe the applicant is wholly or partly responsible for the accident. In this case, you can lodge a counter application against the applicant. You can download the Minor civil dispute - counter application (Form 8) from the QCAT website. The form contains instructions for completing. A counterclaim means you are going to claim damages from the other person to recover the costs of repairs to your vehicle or other property as a result of the accident.
You must lodge the counter application in the registry where the application was lodged. The counter claim must be provided to all parties to the proceedings no later than seven days after filing.
The tribunal will arrange for your counter application to be mediated at the same time as the application. It is best to get advice from a lawyer before doing this.
How do I prepare for the hearing?
Prepare facts and evidence
You will need to present to the tribunal the facts about what happened in the accident. It will help your case if you are organised and present the facts and evidence clearly. It may help to draw a large map of the accident site showing the position of the cars at the time of impact, especially if there are more than two cars involved.
To prepare your evidence, it may help to draw a line down the middle of a sheet of paper. On the left side, write the facts and on the right side, write the evidence that supports the facts.
Sample facts and evidence
Facts to tell adjudicator |
Evidence to support facts |
- Ford collided with my Mazda. Ford sped up and ran a red light on Black St, Redwood.
|
- your affidavit
- evidence of any witnesses
- map of accident scene
|
- Mazda had damage to the front bumper and lights.
|
- photograph of damage to car
|
- Had Mazda towed ($200) and received quote to repair car ($2500).
|
- your affidavit
- written quote
- affidavit of repairer
- receipts for towing
|
- Sent letter of demand on 21 October 2021.
|
- copy of letter of demand
|
Evidence can include:
- verbal evidence from you or your witnesses
- affidavits from you, your witnesses, an assessor or repairer; affidavits are sworn statements signed in the presence of a justice of the peace, commissioner of declarations or a lawyer
- documents like repair bills, receipts and quotes
- photographs (eg of your car after the accident).
It can help to practise what you want to say in front of family and friends. You can also take notes into the hearing and read from them or refer to them.
Organise your witnesses
You can also prepare for the hearing by organising your witnesses. Ask them if they would be willing to attend the hearing. If they can, ask them to prepare a list of points they will tell the adjudicator and ask them to meet you at the tribunal at least 15 minutes before the hearing starts.
If a witness can't come to the hearing but is willing to give evidence, they can prepare an affidavit that outlines what they would have said to support your claim. In car accident claims, it is common to use a repairer's affidavit if the car has been or is being fixed. You would use a loss adjustor's affidavit if the car was written off. Remember an affidavit must be signed under oath or affirmed and witnessed by a justice of the peace, commissioner of declarations or a lawyer. See sample documents and forms.
If a witness does not want to provide evidence, you cannot force them to attend or write an affidavit.
The hearing
What should I do on the day of the hearing?
Before you arrive
- Find out the tribunal's address and check the location on a map.
- Organise transport to the tribunal, allowing time to arrive half an hour before the hearing starts.
- Dress neatly.
- Bring all of your documents about the case including affidavits, quotes or receipts for repairs, photos etc.
- Bring a pen and note paper.
When you arrive
- Meet any witnesses who are coming to the tribunal to provide evidence for you.
- Wait with your witnesses for your hearing outside the adjudicator's room. When the adjudicator is ready to start, they will call the claimant and respondent into the hearing room. Witnesses wait outside the room until they are called.
When you are called
- Speak clearly and follow the member or adjudicator's instructions.
- Address the member or adjudicator in the following way:
How to address member or adjudicator
Member |
Guideline |
Example |
Judge |
Refer to the judge as "Your Honour" |
"Yes, your Honour" |
Senior Member |
Refer to the member as "Senior Member" |
"Yes, Senior Member" |
Member (including ordinary members and judicial members) |
Refer to the member as "Member" followed by their surname |
"Yes, Member Smith" |
Adjudicator |
Refer to the Adjudicator as "Mr/Ms/Mrs" |
"Yes, Mr Jones" |
Justices of the peace |
Refer to the justices of the peace as “Mr/Ms/Mrs” |
"Yes, Mr Jones" |
Source: QCAT Practice Direction No 1 of 2014
- The member or adjudicator will ask if there is any chance you and the other person could reach an agreement about the dispute. If there is a chance, you will be left to negotiate privately.
- If you reach an agreement, the member or adjudicator will record the terms of the agreement.
- If you can't reach an agreement, the hearing will continue in front of the member or adjudicator.
- If the member or adjudicator considers the matter should be dealt with by a court or another tribunal, the member or adjudicator may transfer the matter.
What happens at the hearing?
Before anyone provides evidence to the tribunal, they will be asked to swear an oath on a holy book or affirm (promise) to tell the truth. It is a crime to give false evidence before the Queensland Civil and Administrative Tribunal (QCAT).
When giving evidence, it is important to make sure what you say is relevant and to the point. Present your case in a business-like manner. Even though you might be upset or nervous about the situation, emotional outbursts will not help your case so try to keep calm.
What if I can't come to the hearing?
The tribunal may continue with a hearing in your absence so if you cannot attend you have several options which are listed below.
- If you or any of your witnesses can't come to the tribunal on the set date, write to the tribunal as soon as possible, telling them why your witnesses can't attend (you must have a good reason) and ask for another date for the hearing.
- You may apply to the tribunal to attend the hearing by remote conferencing. You will need to complete and lodge an Application for attendance at hearing, compulsory conference or mediation by remote conferencing, which is available on the QCAT website. The application contains instructions for completing. You will need to explain why you cannot attend the tribunal in person and whether you intend to attend by videoconferencing or teleconferencing.
- You can ask the tribunal to allow a person of your choice to represent you at the hearing. To do this, lodge an Application for leave to be represented (Form 56), which is available on the QCAT website. The application contains instructions for completing. Even when someone represents you, you still need to send your affidavit to the hearing.
1. The claimant tells their story and gives their evidence
The adjudicator will invite the claimant to tell their side of the story under oath. The adjudicator may ask questions at any time during the presentation.
When the claimant has finished giving evidence, the adjudicator will invite the respondent to ask the claimant questions.
2. The claimant's witnesses give their evidence
The claimant's witnesses will be called into the room one at a time to tell their story under oath. The adjudicator may ask questions at any time during their presentations.
When each witness has finished giving evidence, the adjudicator will ask the respondent if they have any questions to ask the witnesses.
3. The respondent tells their story and gives their evidence
Now it is the respondent's turn to tell their side of the story under oath. As before, the adjudicator can ask questions at any time.
When the respondent has finished presenting their side of the story, the adjudicator will invite the claimant to question the respondent.
Even if you disagree with what the other person is saying, do not interrupt. Take notes about anything you disagree with, so you can raise these issues when it is your turn to question the other person.
4. The respondent's witnesses give their evidence
The respondent's witnesses are then called into the hearing room one at a time to give their evidence.
Again, the adjudicator may question the witnesses at any time while they provide their evidence.
When the respondent and the adjudicator have finished questioning the respondent's witnesses, the claimant may also question them.
The adjudicator's decision
Having heard all sides of the story, the adjudicator will make a decision (usually immediately, but sometimes at a later date).
They will then make an order that reflects their decision and that both parties must follow. If the adjudicator fully agrees with the claimant's case, it is likely they will order the respondent to pay the claim. If they only agree with part of the case, it is likely they will order the respondent to pay a percentage of the claim.
The Appeal Tribunal hears appeals from the QCAT decisions. Before you can appeal a decision by the tribunal, you must ask the Appeal Tribunal for permission to appeal by completing and lodging an Application for leave to appeal or appeal (Form 39), which is available on the QCAT website. The application contains instructions for completing. You will also have to pay the appeal fee.
You can appeal the decision on a:
- question of law
- question of fact
- question of mixed law and fact.
Your appeal does not stop the original QCAT decision being enforced. In some cases, the QCAT or the Court of Appeal can make an order staying, or temporarily stopping, the original decision from being carried out until the appeal has been finalised. Make sure to get legal advice before you appeal a decision.
What if the hearing took place and I could not be there?
Contact the QCAT to find out the decision and order made by the adjudicator.
If you had a good reason for not being able to go to the hearing, but could not tell the tribunal, you can apply for another hearing date by lodging an Application for reopening, correction, renewal or amendment (Form 43), which is available on the QCAT website. The application contains instructions for completing. In your application you will need to explain why you could not go to the hearing and why the final decision was unfair or unjust.
The tribunal will only grant a reopening in special circumstances.
What if the respondent loses the case but doesn't pay?
You can enforce a QCAT decision for motor vehicle property damage through the Magistrates Court.
You need to lodge a copy of the tribunal decision with the Magistrates Court. Once the Magistrates Court accepts the decision, it can be enforced in the same way as a Magistrates Court order. There are various options to enforce the order. Get legal advice about your enforcement options.
What if I cannot comply with a decision made against me?
If you cannot comply with the QCAT decision because your circumstances have changed or there are problems with interpreting, implementing or enforcing a decision, you may apply for another decision to be made about the same matter.
You will need to apply to the tribunal within 12 months of the original decision being made by completing and lodging an Application for reopening, correction, renewal or amendment (Form 43), which is available on the QCAT website. The application contains instructions for completing.
The QCAT may make the same decision or another decision that takes into account your new circumstances. That decision is then enforceable as a final decision. You should get legal advice before making this application as not all decisions will be reviewed simply because you cannot comply.
Making a claim in the Magistrates Court
The Magistrates Court handles claims for amounts up to $150,000. The court has more formal procedures than the Queensland Civil and Administrative Tribunal. For example:
- Lawyers are allowed to represent each person involved.
- The case will be heard in 'open court', which means members of the public can attend.
- If you lose your case, the magistrate may order you to pay the other person's legal costs.
The person who is claiming damages is called the 'plaintiff' and the person defending the claim for damages is called the 'defendant'.
You should get legal advice before you start a claim in the Magistrates Court.
If you want to make a claim in the Magistrates Court, see Making a claim in the Magistrates Court.
If you are defending a claim in the Magistrates Court, read this whole section to make sure you know how the process works and what you have to do.
If you are defending a claim against you, but believe the other person was wholly or partly responsible for the accident, you may be able to lodge a counterclaim. You should get legal advice before doing this.
How do I make a claim?
Step 1. Prepare the claim documents
You can get the two forms you need to complete from your local Magistrates Court or from www.courts.qld.gov.au. They are called Claim and Statement of claim forms. Follow the format of the sample documents and forms . Make sure you have the correct name of the other driver.
You will need the original plus three copies of these forms. Photocopies are acceptable, but you must sign the form before you copy it.
Step 2. Lodge your forms
You must file your forms at the Magistrates Court in the area where the accident happened or where the defendant lives or carries on business, or at a central court registry like the Brisbane, Rockhampton, Townsville or Cairns Magistrates Courts. For example, if you live on the Gold Coast and have an accident in Brisbane where the defendant lives, you cannot file the claim in your local court at Sourthport. If you file your forms in the wrong court your claim may be dismissed. Give three sets of forms to the court's registry staff and keep one for your own records. Pay the court's filing fee. The fee depends on how much money you are claiming. The staff will stamp your forms with the official court seal and give your claim a number. They will keep one set of forms and give you back the other two.
Step 3. Notify the other person about your claim
One of the stamped copies of the claim forms must be served on the defendant. You can do this yourself, but it is often better to pay a process server (someone who does this for a living) or enforcement officer from the Magistrates Court to do it for you. The Magistrates Court registry can tell you where to find a process server or you can look in the Yellow Pages or other business directories.
Ring a few of them to find out what it will cost.
It is important to include on your original claim form the amount it will cost you to hire a process server or enforcement officer.
If you win your case and the magistrate orders the other person to pay costs, you will get this money back.
What happens then?
There are four possibilities for how the other person may respond.
1. They may settle out of court
They may do this by paying your claim directly to you or contacting you to negotiate an agreement. If the court has already set a trial date, you will need to complete a Notice of discontinuance form and file it with the court.
2. They may defend the claim
To do this they will need to prepare and file two forms:
Notice of intention to defend (see sample documents and forms ) and Defence (see sample documents and forms ). They have 28 days from the date they were served your claim forms to file this form with the Magistrates Court.
After they have filed their defence, they must also serve you with their defence forms.
3. They may lodge a counterclaim
A counterclaim means the other driver holds you responsible for the damage to their car or property and they are going to claim damages from you to recover the cost of repairs. They do this by filing a Notice of intention to defend form and a Defence and counterclaim form (see sample documents and forms) for their damages.
If you do receive a counterclaim, you must defend yourself by completing an Answer to the counterclaim, filing it with the court and serving it on the defendant within 14 days. The court may not provide a form for this, so use the sample documents and forms as a guide. If you receive a counterclaim, you should get legal advice quickly to work out what you should do next.
4. They may not respond
If the other person has not responded to the court by 28 days from the time you served your claim, you can ask for an order called a default judgment. This means the magistrate will make a judgment without hearing evidence from the other person.
To request a default judgment you need to complete these forms and take them to the court:
The magistrate does not always make a default judgment in favour of the person who has requested it. They still look at the merits of the case before making a decision.
How do I defend a claim made against me?
You know that a claim has been lodged against you in the Magistrates Court when the other person or a process server serves you with a Claim and Statement of claim (see sample documents and forms ). We recommend you get legal advice at this stage to work out how to respond.
There are four possibilities for how you may respond.
1. You may settle out of court
You may decide to pay the claim directly to the other person, or contact them to negotiate an agreement. If this happens, make sure you get the agreement in writing. If the court has already set a trial date, the plaintiff will need to complete a Notice of discontinuance form and file it with the court.
2. You may defend yourself
To do this you need to prepare and file two forms: Notice of intention to defend and Defence (see sample documents and forms ). You have 28 days from the date you were served the claim forms to file this form with the Magistrates Court.
Complete the form and make three copies. Photocopies are acceptable, but you must sign the form before you copy it. Take your completed forms to your local Magistrates Court. Give three sets of forms to the court's registry staff and keep one for your own records. The staff will stamp your forms with the official court seal. They will keep one set of forms and give you back the other two.
After you have filed your defence, you must also serve the other person with your defence forms. You do this by sending your forms to the plaintiff at the address for service that appears on their claim.
3. You may lodge a counterclaim
If you believe the other person involved in the accident was responsible for some or all of the damage to your vehicle, you can lodge a counterclaim. A counterclaim means you are going to claim damages from the other person to recover the cost of repairs to your vehicle or other property as a result of the accident.
To proceed with a counterclaim, you need to lodge two forms: Notice of intention to defend and Defence and counterclaim (see sample documents and forms). Take three copies of these forms to the court to be registered and stamped. Photocopies are acceptable, but you must sign the form before you copy it. The court will keep one set of forms and give you back the other two. Send one copy of the stamped forms to the other person and keep one for your own records.
The other person has 14 days to respond to the counterclaim. If they don't agree with the details of your counterclaim they may send an answer to the court defending the counterclaim. They must also serve this stamped document on you.
If you receive an answer to your counterclaim from the other person, and it raises new issues not already covered in your defence, you can consider filing a reply to the answer to the counterclaim.
Obviously by this stage the matter has become quite complex, so we suggest you get legal advice.
4. You may choose not to respond
If you do not respond to the original Claim and Statement of claim within 28 days of these forms being served on you, the plaintiff can ask for an order called a default judgment. This means the magistrate will make a judgment for the full amount of the claim plus costs, without hearing evidence from you.
You will not necessarily be told if the magistrate makes a default judgment. If you think a judgment has been made against you, you should check with the court and get legal advice quickly.
Is there any other way to settle the matter?
Consider mediation. If you can settle the case without going to court you will save yourself a lot of time, energy and possibly money. If you and the other person agree, you can both go to mediation. Alternatively, the Magistrates Court registrar may refer your case to a dispute resolution program.
See step 4 If you want to claim against the other driver of this guide for more information about mediation and dispute resolution. If you have any questions, speak to a lawyer before deciding what to do.
What happens if we can't reach an agreement?
If you can't reach an agreement, the matter will need to go to trial.
1. Ask to see the documents held by the other person
If you want to see the documents the other person has, you can write to them asking for a list of relevant documents in their possession or under their control. For example, if they are asking for towing costs you can ask for a copy of the receipt of payment. You can also ask to inspect the documents and be provided with copies.
The other person must provide a List of documents (see sample documents and forms ). They normally should provide it within 28 days after the request.
If they refuse to give you a list of documents, you should get legal advice. It may be possible to apply to the court for an order that makes the other person provide a list of documents.
The other person might ask you for a list of documents you have. If so, you should complete a List of documents (see sample documents and forms ).
2. Ask the court for a trial date
Once documents have been exchanged you can ask the court for a trial date.
This can be done by writing to the court registry.
Some courts may allocate a directions hearing to see where the parties are at and then make directions for the management of the case including setting a trial date.
If you have been given or sent a Notice of trial form you need to send a copy by mail to the defendant as soon as you receive it. If you do not give the defendant enough time, the defendant may ask that the trial date be rescheduled to another date.
You may need to get legal advice once you are ready to set a trial date.
How do I prepare for the hearing?
Prepare facts and evidence
The magistrate will want to hear the facts about what happened in the accident. It will help your case if you are organised and present the facts and evidence clearly.
To prepare your evidence, it may help to draw a line down the middle of a sheet of paper. On the left side, write the facts, and on the right side, write the evidence that supports the facts.
Evidence allowed in court can include:
- verbal evidence (statements in the witness box) from you or your witnesses (the court prefers this form of evidence)
- documents like repair bills, receipts and quotes
- photographs (for example, of your car after the accident).
Sample facts and evidence
Facts to tell adjudicator |
Evidence to support facts |
- Ford collided with my Mazda. Ford sped up and ran a red light on Black St, Redwood.
|
- your own sworn evidence
- evidence of any witnesses
- map of accident scene
|
- Mazda had damage to the front bumper and lights.
|
- photograph of damage to car
|
- Had Mazda towed ($200) and received quote to repair car ($2500).
|
- your own sworn evidence
- written quote
- affidavit of repairer
- receipts for towing
|
- Sent letter of demand on 21 October 2021.
|
- copy of letter of demand
|
Organise your witnesses
Make sure your witnesses are available for court and have them meet you at least 15 minutes before court time. Ask them to read their statements the day before, so the evidence they may give is fresh in their minds. If they have never been to court before, let them know you and the other person will ask them questions.
Your witnesses could include:
- anyone who saw the accident
- the repairer who gave you the quote to repair your car or who did the work repairing the vehicle
- the loss assessor who gave the valuation.
If a witness cannot come to the hearing but is willing to give evidence, you should get legal advice. Usually, all witnesses are required by the court to attend in person.
If any of your witnesses do not want to provide evidence, you can force them to do so by requesting a subpoena. A subpoena is a court order that requires a person to appear in court to give evidence or produce documents.
To organise a subpoena, lodge these forms with the court:
- Request for subpoena (see sample documents and forms)
- Subpoena for production (see sample documents and forms) or
- Subpoena to give evidence (see sample documents and forms).
You would only use a Subpoena for production if you wanted your witness to bring documents to support your case, like a quotation for repairs, photographs of the accident scene or damage done to your car.
The hearing
What should I do on the day of the hearing?
Before you arrive
- Find out the address of the court and check the location on a map.
- Organise transport to the court, allowing time to arrive half an hour before the hearing starts.
- Practise what you will say before the magistrate.
- Dress neatly.
- Bring all of your documents about the case including affidavits, quotes or receipts for repairs, photos etc.
- Bring a pen and note paper.
When you arrive
- Meet any witnesses who are coming to the court to provide evidence for you.
- Wait with your witnesses for your hearing outside the court room.
- You will be called into the hearing room when the magistrate is ready to begin. Witnesses wait outside the room until they are called.
When you are called
- Speak clearly and follow the magistrate’s instructions.
- Address the magistrate as “Your Honour”.
- The magistrate will ask if there is any chance you and the other person could reach an agreement about the dispute. If there is a chance, you will be left to negotiate privately.
- If you reach an agreement, the magistrate will record the terms of the agreement.
- If you cannot reach an agreement, the hearing will continue in front of the magistrate.
What happens at the hearing?
Before anyone provides evidence to the court, they will be asked to swear an oath on a holy book or affirm (promise) to tell the truth. It is a crime to give false evidence.
When giving evidence, it is important to make sure what you say is relevant and to the point. Present your case in a business-like manner. Even though you might be upset or nervous about the situation, emotional outbursts will not help your case so try to keep calm.
1. The plaintiff tells their story and gives their evidence
The magistrate will invite the plaintiff to tell their side of the story. If the plaintiff has a lawyer, their lawyer will ask questions of the plaintiff. The magistrate may ask questions at any time during the hearing.
When the plaintiff has finished giving evidence, the magistrate will ask the defendant or their lawyer if they have any questions to ask the plaintiff.
2. The plaintiff’s witnesses give their evidence
The plaintiff’s witnesses will be called into the room one at a time to tell their story under oath. If the plaintiff has a lawyer, their lawyer will ask questions of the witnesses. The magistrate may ask questions at any time during the hearing.
When the plaintiff’s witnesses have finished giving evidence, the magistrate will ask the defendant or their lawyer if they have any questions to ask the witnesses.
3. The defendant tells their story and gives their evidence
Now it is the defendant’s turn to tell their side of the story under oath. If the defendant has a lawyer, their lawyer will ask questions of the defendant. As before, the magistrate may ask questions at any time.
When the defendant has finished presenting their side of the story, the magistrate will invite the plaintiff or their lawyer to question the defendant.
Even if you disagree with what the other person is saying, do not interrupt. Take notes about anything you disagree with, so you can raise these issues when it is your turn to again question the other person.
4. The defendant’s witnesses give their evidence
The defendant’s witnesses are then called into the hearing room one at a time to give their evidence. If the defendant has a lawyer, their lawyer will ask questions of the witnesses. Again, the magistrate may question the witnesses at any time while they provide their evidence.
When the defendant or the defendant’s lawyer and the magistrate have finished questioning the defendant’s witnesses, the plaintiff or the plaintiff’s lawyer may question them.
5. Each party can make ‘submissions’ to the magistrate
A submission is a summary of the main points of your case and any weaknesses in the other party’s case. At the end of your submission you ask the magistrate to make orders in your favour.
You are trying to convince the magistrate that your case is the stronger one.
The Magistrate's decision
The magistrate will make their decision after they have heard both sides of the story and listened to the evidence from witnesses. The magistrate may agree with the plaintiff’s claim, agree with the defendant, or decide only part of the claim must be paid for.
The magistrate will make an order explaining how much has to be paid (this may happen immediately or at a later date). The person who does not win their case may be ordered to pay all or some of the other person’s legal costs.
What if I don’t agree with the decision?
If you don’t agree with the magistrate’s decision and want to appeal the decision you should get legal advice quickly. You will only have a short amount of time to lodge appeal documents.
You will have to apply to the District Court for permission to appeal the decision. A lawyer will explain how to start the appeal process when you get legal advice about your case.
What if they don’t pay me?
If you have trouble being paid after the magistrate has made an order, you should contact:
- Legal Aid Queensland on 1300 65 11 88 for free legal information and advice
- a lawyer or
- a community legal centre.
Sample documents and forms
Queensland Civil and Administrative Tribunal forms
Forms are available from the Queensland Civil and Administrative Tribunal (or your local courthouse outside the Brisbane metropolitan area).
Sample 1 Application for minor civil dispute – consumer dispute form(PDF, 922KB)
Sample 2 Loss adjuster’s affidavit(PDF, 134KB)
Sample 3 Repairer’s affidavit(PDF, 141KB)
Sample 4 Affidavit of service(PDF, 592KB)
Magistrates court forms
Forms are available from your local courthouse.
Sample 5 Magistrates court claim(PDF, 190KB)
Sample 6 Statement of claim(PDF, 151KB)
Sample 7 Request for default judgment(PDF, 165KB)
Sample 8 Plaintiff’s affidavit(PDF, 176KB)
Sample 9 Repairer’s affidavit(PDF, 186KB)
Sample 10 Default judgment(PDF, 145KB)
Sample 11 Affidavit of service(PDF, 218KB)
Sample 12 Notice of intention to defend(PDF, 130KB)
Sample 13 Defence and counterclaim(PDF, 176KB)
Sample 14 Answer to the counterclaim(PDF, 162KB)
Sample 15 List of documents(PDF, 146KB)
Sample 16 Request for subpoena(PDF, 125KB)
Sample 17 Subpoena for production(PDF, 174KB)
Sample 18 Subpoena to give evidence(PDF, 145KB)
Note:
- These are sample forms to give you an idea of the information you might need to put in. Do not copy the information on the sample forms. Use them as a guide only and put in the information about your situation.
- You will not need to use all these forms. Only use the ones that apply to you.
- If you need help filling in any forms, call Legal Aid Queensland on 1300 65 11 88.
- Type your answers or write neatly in black or blue pen.
- Make sure the information you use is correct and always double-check the spelling of the names of other people involved.
- The QCAT sample forms are based on the following scenario:
“Jane Wright was driving along White Street towards the intersection with Black Street. Jane was in her Mitsubishi Magna, registration number ABC246.
As Jane approached the intersection, a green Ford sped up and ran a red light on Black Street. The Ford, registration number XYZ890, was driven by George Getz. George’s Ford collided head on with the front of Jane’s Mitsubishi Magna.
Jane’s Magna sustained $2500 damage and she paid $200 to have her car towed. The speed limit was 60 km/h.”
Legal words and phrases explained
Adjudicator - The decision maker in the Queensland Civil and Administrative Tribunal. The adjudicator is a court officer, usually a registrar or magistrate.
Affidavit - A written statement made by a person to be used in a court. The person who makes an affidavit must swear under oath or make an affirmation that the contents are true. It is signed by a justice of the peace, commissioner of declarations or a lawyer. An affidavit is often used when a person is unable to come to the court and provide information or evidence in person.
Affirm (affirmation) - A spoken declaration where you promise to tell the truth when giving information or evidence to the court in person or when writing it in an affidavit. You can make an affirmation if you do not want to swear an oath on a Bible or other sacred book.
Claim and Statement of claim - These are documents a person claiming damages files in the court to start legal action.
Claimant - A person who starts a claim in the Queensland Civil and Administrative Tribunal.
Contributory negligence - Where the accident was caused by both drivers (for example, one driver fails to give way and the other driver is speeding).
Default judgment - A judgment made because the defendant does not defend a court action.
Defence and Notice of intention to defend - If someone has made a claim against you and you disagree with their side of the story, you can lodge these documents to begin the process of defending yourself.
Defendant - A person who is defending themselves against legal action.
Enforcement officer - An officer of the court who takes action to ensure an order made in a court or tribunal by a judge, magistrate or adjudicator is followed.
Evidence - The proof needed to support your side of the story. Evidence is usually given verbally in court.
Filing documents - The process where documents are received and accepted by a court. The person filing the documents may need to pay a filing fee. Usually the court will stamp its seal on the filed document.
Hearing - Where evidence is given to the court from all people involved in a case and a decision is made.
Legal costs - These are the costs involved in taking a case to court. These can include the costs of lawyers and the cost of filing documents with the court. Usually a court will order the person who loses a case to pay the other person's legal costs.
Letter of demand - A letter that formally demands something from another person. It does not need to be in any particular form and does not need to be sent by a lawyer.
Lodging documents - see filing documents.
Loss assessor - Someone who can assess the damage done to a vehicle. They are usually a qualified panel beater.
Magistrate - The name for the decision maker in the Magistrates Court. In civil proceedings like this one, they decide who is responsible for the damages. You call the Magistrate "Your Honour".
Magistrates Court - The Magistrates Court deals with civil claims up to $150,000.
Mediation - A dispute resolution process run by an independent third party who helps people to reach agreement through the process of discussion and negotiation without entering into the content of the dispute.
Negligence - This is when someone has not taken the proper care or paid enough attention to avoid causing damage to another person or their property.
Notice of hearing - A document telling you the date your matter will go to court.
Order - An order is made by the court requiring a person to do something (for example, pay damages).
Plaintiff - A person who starts a civil claim in court.
Process server - A person who delivers or 'serves' court documents by handing them to the person concerned.
Quantum - The total amount of your claim including the cost to repair your vehicle to the condition it was before an accident, plus any towing fees.
Queensland Civil and Administrative Tribunal (QCAT) - A tribunal dealing with disputes of $25,000 or less including motor vehicle property damage claims.
Rehearing - A second hearing for the same matter.
Respondent - A person who has had a claim made against them in the Queensland Civil and Administrative Tribunal.
Served - The process where a person is presented with official court documents.
Subpoena - A court order requiring a person to appear in court to give evidence or produce documents.
Swear an oath - A spoken promise where you swear on the Bible or other sacred book to tell the truth when you give evidence to the court.
Trial - A court hearing where all the evidence is presented and a final decision is made.
Witness - A person who saw or heard something about your case and is called to give this 'evidence' in court.
Written-off - When the cost of repairing your vehicle is more than it would be worth at wholesale (dealer's) price if you sold it.
Last updated 7 November 2024