Written by: Vrege Kolokossian There’s no such thing as a “good” motor vehicle accident, but when you’re on a motorcycle, the stakes can be much higher. What might be a frightening, but ultimately minor, incident in a car can be life-threatening on a motorbike.Â
In this February 2026 guide, we’ll take you through everything you need to know about making a motorcycle accident claim and navigating the compensation process with confidence.
What to do after a motorcycle accident
If you’ve just been in a motorcycle accident, the first priority is your safety. Once you’re safe, follow these steps:
At the scene
- Call the police to report the incident and obtain a claim number
- Exchange information with the other parties involved (including vehicle make, model, colour, and registration
- Obtain details from any witnesses
- Take photos of all vehicles and any visible damage
- Photograph the scene, including the resting position of all vehicles involved, surroundings, and any factors that may have contributed to the accident
- Document the time, location, and conditions (such as the weather or road conditions).
After the accident
- Seek medical treatment and evaluation (even for minor injuries)
- Report the incident if you were unable to do so at the scene
- Notify your insurer or the relevant state regulatory body to make a claim
- Consult an experienced motor vehicle accident lawyer for guidance.
Find out how much you can claim today
Can I claim motorcycle accident compensation?
In Australia, compensation for motorcycle injuries is generally covered under the Compulsory Third Party (CTP) scheme. Whether you can claim depends on several factors, including the state or territory where the accident occurred and the severity or permanence of the injury sustained.
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If there was no other party involved in the accident—such as losing control due to a pothole—you may need to provide proof of negligence to claim certain types of compensation.
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In almost every state and territory, if another party was at fault for your motorcycle accident, you are likely eligible for compensation
At-fault CTP states vs no-fault CTP states
Depending on where your accident occurred, you may be entitled to compensation regardless of who was at fault. Australian states and territories are generally classified as at-fault or no-fault systems.
| System | Description | States where it applies |
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| At-fault states | If the rider is determined to be at fault, they are generally not eligible for compensation. |
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| No-fault states | Riders may still be entitled to some compensation even if they were at fault, particularly if they suffer serious injuries, impairment, or loss of income. In NSW, compensation is limited to personal injury only (medical treatment, rehabilitation, pain and suffering, lost income related to injury). Property damage is never covered under CTP. |
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When compensation may not be permitted
In all states and territories, compensation may be denied if the accident or resulting injuries were caused by serious wrongdoing, such as:
- Gross negligence or reckless behaviour
- Criminal activity
- Driving under the influence of alcohol or drugs
- Self-harm.
Compensation may also be reduced if contributory negligence applies. That is, if the injured rider is found partly responsible for the accident. In these cases, the amount of compensation may be proportionally reduced to reflect the rider’s share of fault.
Key takeaway
Australia is generally split between no-fault and at-fault CTP states and territories. In at-fault states, riders who caused the accident cannot claim compensation. In no-fault states, basic medical compensation can be claimed regardless of fault. Across all jurisdictions, compensation may be denied for serious wrongdoing and may be reduced if contributory negligence is found.
What if the other driver has no insurance, or it’s a hit-and-run?
If the other driver does not have CTP insurance, you may still be able to claim compensation through your state or territory’s motor accident authority. Each jurisdiction has schemes in place to cover victims when the at-fault driver cannot pay.
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In a hit-and-run situation, similar rules apply: you can usually make a claim through the state motor accident authority to cover your injuries. It’s important to report the incident to the police as soon as possible, as this will be required when lodging a claim.
What can I claim compensation for after a motorcycle accident?
Apart from any injuries, being involved in a motorcycle accident can impact your ability to work, your income, and your wellbeing. Compensation can cover a range of expenses that result from the accident.
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Medical expenses |
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Wages and income |
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Pain and suffering |
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What is the difference between threshold and non-threshold injuries?
Though the exact terminology varies state by state, insurers will often categorise any injuries as major or minor in some states, or as non-threshold or threshold in others. This classification is one of the ways they determine what kinds of motorcycle accident compensation you may be eligible for.Â
Minor (threshold) injuries
Minor (threshold) injuries are generally less severe and are unlikely to have any lasting impacts. Injuries that are expected to fully heal within a year and do not require ongoing treatment or expenses are typically classified as minor.Â
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Examples of minor injuries include:
- Whiplash or other neck injuries
- Soft tissue injuries (e.g., sprains, strains)
- Minor fractures
- Bruises and contusions
- Cuts and lacerations
- Mild concussion or head injury without lasting impairment
- Psychological injuries, such as stress or anxiety, that are not permanent.
Major (non-threshold) injuries
Major (non-threshold) injuries are more severe and have a greater chance of long-term or permanent effects. An injury that is likely to need ongoing treatment, medical expenses or may permanently impact your future earning capacity will usually be categorised as a major injury.
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Examples of major injuries include:
- Spinal injuries
- Brain injuries
- Loss of a limb (amputation)
- Severe burns
- Loss of sight or hearing
- Permanent disfigurement
- Multiple fractures or complex fractures with long-term impairment.
Want to learn more about personal injury claims?
How to make a motorbike accident compensation claim
Every Australian state and territory has its own compulsory third party (CTP) or motor accident injuries scheme, but most follow a broadly similar process for claiming compensation after an injury‑causing motorcycle crash.
Step 1: Report the accident to the police
If the accident involved injury, you must report it to the police. Ideally, at the scene, or by calling the Police Assistance Line or visiting a police station soon after. In many states, a police event number is required before you can lodge a claim.
Step 2: Seek medical evaluation
Get medical treatment for all injuries as soon as possible. Ask your doctor to complete an official medical form or certificate documenting your injuries and required treatment. This is a key piece of evidence for your claim.
Step 3: Begin your claim
Each state/territory has its own claim process with its regulator or CTP insurer. Generally, you’ll need to:
- Find out the CTP insurer of the at‑fault vehicle (many states have online search tools or a contact service to help)
- Complete the required claim forms
- Lodge them with the insurer within the time limit (often within three months of the accident, sometimes sooner if you want back‑dated income loss).
Here are the main regulators/CTP schemes by state and territory:
Australian Capital Territory | |
New South Wales | |
Northern Territory | |
Queensland | |
South Australia | |
Tasmania | |
Victoria | |
Western Australia |
Step 4: Reach out to a lawyer
An experienced lawyer is able to help you assess your eligibility for a common law claim if your injuries are permanent, serious, or significantly impact your life. This can allow you to pursue higher compensation for pain and suffering, future care, and lost income.
Expert tip
When compiling evidence for your motorbike crash claim, focus on evidence that proves how the accident affects your daily life. Photos, medical notes, and witness statements matter more than minor paperwork. Prioritise documenting symptoms and limitations promptly, while they’re fresh. Small details now can make or break your compensation later.
What’s the difference between a motor vehicle accident claim and a common law claim?
After a motorbike injury, you can access compensation through your state or territory’s motor accident/CTP scheme, or, if your injuries are serious, pursue a common law claim against the at-fault driver.
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Motor Vehicle Accident (MVA) / CTP claim |
This is usually the first step. It covers medical costs, rehabilitation, and some lost income. Many people start here on their own, but the compensation may be limited. A lawyer can help ensure all eligible costs are claimed and advise whether a common law claim is possible. |
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Common law claim |
This is a negligence-based claim against the at-fault driver or their insurer. If you have permanent or serious injuries, a lawyer can help pursue higher compensation, including pain and suffering, loss of future earnings, and long-term care costs. State and territory rules vary, and legal advice ensures you meet thresholds and deadlines. |
Key takeaway
While anyone can lodge a basic CTP claim, professional legal support is often essential to access the full compensation you may be entitled to.
