Essential road accident advice for seniors:maximising TAC claims in Victoria

Accidents can happen when least expected, leaving people with injuries that disrupt daily life and financial stability.

For seniors in Victoria, the aftermath of a road accident can be particularly overwhelming, especially when dealing with the Transport Accident Commission (TAC) to secure compensation.

Understanding TAC and your rights

TAC is Victoria’s government insurer for road accidents, providing benefits such as:

• Medical and rehabilitation costs
• Disability and household support services
• Loss of earnings benefits, and
• Lump sum compensation.

However, it is unlikely to automatically receive the maximum benefits and compensation entitled. To navigate this system effectively and secure fair compensation, professional legal guidance can be invaluable.

Who can claim compensation after a motor vehicle accident?

People who have been injured in an accident involving a motor vehicle, tram, or train, may be eligible to lodge a claim for benefits through the TAC. Eligibility extends to:

• Drivers of vehicles involved in the accident
• Passengers in any of the vehicles
• Pedestrians struck by a vehicle
• Cyclists injured in collisions with motor vehicles, and
• Public transport users, such as passengers on buses, trains, or trams involved in the crash.

  

Key steps to strengthen your claim

If involved in an accident, taking the following steps can make a significant difference in the claim:

1. At the scene:

• Stop immediately and turn on hazard lights
• Assist any injured parties and report the accident to authorities
• Exchange contact and insurance details with other drivers, and
• Note relevant details such as time, location, weather, and witnesses.

2. Seek medical attention: even if injuries seem minor, consult a healthcare provider and follow their advice. Documentation of injuries is crucial for the claim, and

3. Engage legal advice early: before lodging the TAC claim, consult a law firm such as Henry Carus + Associates, experienced in motor vehicle accidents. They can guide you through the process, ensuring rights are protected and the claim is optimised.

Maximising compensation

• Experienced lawyers can employ several strategies to enhance the claim:
• Pursuing common law damages: if another driver’s negligence contributed to the accident, evidence can support a lump-sum compensation claim
• Leveraging occupational therapist assessments: these professionals assess the impact of injuries, providing valuable evidence for the claim, and
• Regular medical documentation: ongoing consultations with a doctor help substantiate the extent and progression of injuries.

Why it matters

Proper compensation can be life-changing, covering medical expenses and supporting independence during recovery. It’s essential to take the right steps after an accident to ensure the claim is handled effectively and the compensation deserved is received.

For additional guidance, consider downloading Henry Carus + Associates’ free resources available at hcalawyers.com.au/claims-checklist