Separovic Injury Lawyers Blog

Car accident injury compensation - who can claim?

It is possible to make a road accident compensation claim with the Insurance Commission of Western Australia if: 

• you were not at fault or only partly at fault for causing a road accident and associated injury; and
  
• you were a driver, passenger, pedestrian or cyclist and were injured in the accident; or     
• if you were financially dependent on a close relative or de-facto fatally injured in a road accident.         

Unless you make a dependency claim in relation to a road fatality it is not otherwise possible to make a road accident compensation claim unless you suffered a physical or mental injury.  

Car accident injury compensation claims - background.

On 12 November 1943, the West Australian State Parliament enacted the Motor Vehicle (Third Party Insurance) Act 1943 ("the Act"). This act required the owners of West Australian registered vehicles to insure for liability arising from road accident related personal injuries. Today, pursuant to the Act, the Insurance Commission of Western Australia ("ICWA") provides motor vehicle injury insurance to more than 1.8 million West Australian drivers. ICWA also administers a program that provides injured road users with personal injury compensation.       

Car accident injury compensation claims - background.

Originally established in 1926, the West Australian State Government Insurance Office provided workers' compensation to miners in the goldfields of Kalgoorlie. In 1987, the State Government Insurance Commission was established following an amalgamation of the State Government Insurance Office and the Motor Vehicle Insurance Trust. In 1997, the State Government Insurance Commission changed its name to  the Insurance Commission of Western Australia ("ICWA"). Today, ICWA provides motor vehicle insurance for more than 1.8 million West Australian motorists. ICWA operates pursuant to the Insurance Commission of Western Australia Act 1986 and the Motor Vehicle (Third Party Insurance) Act 1943. Part of ICWA's operations is to manage an investment portfolio valued at over $4.5 billion. Annual profits from this fund are used to provide injured road users with personal injury compensation. 

When assessing a motor vehicle injury compensation claim, ICWA may, on behalf on an insured person or the owner and driver of an uninsured vehicle:  

• conduct negotiations in respect of a claim against any such person, owner or driver;
• accept or instruct any solicitor to accept service of legal process issued in respect of the claim;
• assume the conduct and control of legal proceedings in respect of the claim;
  
• admit negligence on his behalf, where there is no claim against the person, owner or driver as the case may be; or
• settle the claim.

Car crash injury compensation claims - can I lodge a claim?

If you are injured in a road accident due to the negligent actions of an individual operating a vehicle, registered in Western Australia, you are entitled to make a claim for personal injury compensation. This includes injured drivers, passengers, cyclist's or pedestrian's and also includes people who were financially dependent on someone who was killed in a motor vehicle accident.  

The Road Safety Commission ("the Commission") compiles and provides statistics on road accidents in Western Australia. In their last annual report the Commission noted that there were 32,392 road accidents in Western Australia over the course of 2015. These accidents involved 82,438 people, however, the Insurance Commission of Western Australia ("ICWA") reported that only 5,910 of these road accidents were attended by an ambulance. ICWA also report that only 3,205 people made a claim for road injury compensation. This suggests that many of these road  accidents did not result in major injury or trauma. However, looking at these statistics from another perspective they could suggest that there are a large number of people who have been injured in a road accident but have not made a claim for compensation. A reason for this may be that many injured road users might think that their injuries are not severe enough to report. Alternatively these injured people may simply be unaware that personal injury compensation is available to anyone who has been injured on the road due to the negligent driving of another person.        

While possibly sounding counter-intuitive pedestrians are the largest group of road users. Most of our daily activities - commuting to work, dropping children at school, food shopping, catching up with friends or taking the dog for a walk all involve us using roads as a pedestrian.       

It is safe to say that certain societal stigmas exist towards pedestrians that are injured by other road users. Here, it is often assumed that the pedestrian is at fault because they must have been j-walking and that they have no right to be on the road.

This is a problem because pedestrians obviously have legal rights to use roads and are entitled to compensation if they are injured by other road users.    

Despite recent reductions in road accidents, in 2017, the West Australian Road Safety Commission reported 15 pedestrian fatalities which is unfortunately in line with the proceeding 5 year average of 14 fatalities per year. 

If you were a pedestrian, in Western Australia and were injured in an accident involving a car, motorcycle, truck, bus or any other motor vehicle, you may be able to make a claim for personal injury compensation. To be eligible to lodge a claim your injury needs to have been caused, at least in part, by a negligent motor vehicle driver, rider or operator. (There is an exception to this general rule in the case of catastrophic injury).