- Free check. Online or by phone. We ask where and how you were hurt, when, and whether anyone else was at fault. Most people get a clear yes, no or maybe within minutes.
- Matched to a panel lawyer. A specialist in your claim type and your state calls you, usually within one business day, for a free first consultation.
- Costs agreement. If the claim has merit you receive a written no win no fee agreement with a costs estimate. You have a cooling-off period and can take independent advice.
- Notices and evidence. Your lawyer lodges the scheme notices that protect your time limits, gathers records, and arranges medical assessments once your injuries have stabilised.
- Negotiation. Most claims settle with the insurer at a conference or by negotiation. Court is the exception, not the rule, and your lawyer will tell you if it is likely.
- Settlement. Refunds to Medicare, Centrelink or the workers compensation insurer are paid, disbursements and fees are deducted as agreed, and the balance is paid to you.
How long does it take?
Minor injuries with clear liability can settle within 12 months. Serious injuries take longer, usually 18 months to 3 years, because the claim cannot be valued until your recovery has plateaued. Interim payments for treatment and income are available under most schemes while you wait.