很多來自台灣、香港、中國內地或其他地區的人士，在海外生活、留學、工作或旅遊時，可能本身已經有私人意外保險、旅遊保險、僱員保險或其他人身意外保障。 在澳洲發生意外後，很多人會問： 「我可以先申請台灣、香港或中國內地的意外保險，然後再申請澳洲的 CTP 或 WorkCover 賠償嗎？」 簡單來說：必須非常小心。一般情況下，你不能就同一項損失獲得雙重賠償。 這種情況通常稱為 「重複索償」 或 “double dipping”。 什麼是「重複索償」？ 「重複索償」是指就同一項開支或損失，向不同保險公司或賠償制度重複申請並收取賠償。 例如： 你在澳洲支付了 $2,000 的物理治療費； 你的台灣或香港意外保險已經向你賠償了這 $2,000； 你之後再向澳洲的 WorkCover 或 CTP 保險公司申請報銷同一筆 $2,000 的物理治療費。 這種情況通常是不可以的。 澳洲的賠償制度主要是補償實際損失，而不是讓受傷人士就同一項損失獲得額外利益。 常見的海外保險例子 來自海外的人士可能持有不同類型的保險，例如： 台灣個人意外保險； 香港意外保險； 中國內地旅遊保險或僱員保險； 信用卡附帶的旅遊保險； 海外私人醫療保險； 海外收入保障保險； 留學生保險； 僱主安排的海外保險；或 家人為你購買的人身意外保險。 這些保險可能包括醫療費用、住院費、收入損失、永久傷殘、死亡賠償或每日住院現金津貼。 不同類型的保險付款，法律上可能有不同處理方式。例如，固定金額的意外津貼，未必等同於某一張醫療單據的報銷。但最安全的做法是： 只要你有收到任何海外保險賠償，應盡早通知澳洲的 CTP 保險公司、WorkCover 或你的律師。 澳洲 CTP 交通意外索償 CTP 是 Compulsory Third Party insurance，即強制第三者保險。在昆士蘭，如果你因另一名司機的過失而在交通意外中受傷，你可能可以提出 CTP 索償。 CTP 索償可能涉及： 醫療費用； 復康治療； 照顧和護理費用； 收入損失； 未來收入損失；及 其他與傷勢相關的損失。 不過，如果某一項開支已經由海外保險公司支付，這筆款項可能需要向 CTP 保險公司披露，並在最終賠償中作出扣減、退款或其他調整。 澳洲 WorkCover 工傷賠償 WorkCover 是澳洲工傷賠償制度的一部分。在昆士蘭，如果你在工作期間受傷，WorkCover 可能會支付工資補償、醫療費用、復康費用、交通費、永久傷殘賠償及其他相關支援。 但如果海外保險已經支付了某些治療費、收入損失或其他同一類型的開支，你應該告知 WorkCover。 如果 WorkCover 後來發現同一項損失已經由其他保險公司賠償，可能會要求你退款，或在賠償中作出調整。 例子一：在布里斯本車禍受傷，同時有台灣意外保險 一名台灣留學生在布里斯本發生交通意外受傷。 她可能同時有： 澳洲昆士蘭 CTP 索償；及 台灣意外保險，可報銷醫療費用。 如果她的台灣保險已經支付了醫院費、物理治療費或影像掃描費，她不應該再向 CTP 保險公司申報同一筆費用為「自己支付但未獲報銷」的開支。 她應該告知 CTP 保險公司這筆台灣保險賠償。該款項可能需要在最終賠償中扣減、退款或以其他方式處理。 例子二：在澳洲工作受傷，同時有香港意外保險 一名香港工作假期簽證持有人在昆士蘭工作時受傷。 他提出 WorkCover 工傷索償，同時又向香港的個人意外保險提出索償。 如果香港保險支付的是固定傷殘金額，處理方式可能與醫療費報銷不同。但如果香港保險支付的是同一段期間的收入損失、治療費或復康費用，他就必須向 WorkCover...

Yes. If you were injured in a hit and run accident in Queensland and the driver or vehicle cannot be identified, you may still have legal rights under the law of negligence. In some cases, a claim may be made against the Nominal Defendant, which responds to certain CTP claims involving unidentified, uninsured or unregistered vehicles. However, hit and run claims can involve strict time limits and evidence requirements. It is important to understand how negligence law operates, what steps may be required, and how Queensland’s CTP scheme deals with unidentified vehicles. The Short Answer If another driver’s negligence caused...

E-bikes, e-scooters and Personal Mobility Devices have become increasingly common across Queensland, particularly in busy areas such as Brisbane City, South Bank, Fortitude Valley, West End, Toowong, South Brisbane, New Farm and other inner-city suburbs. They are convenient, affordable and easy to access. However, they also create safety risks for riders, pedestrians, drivers and other road users. In response to community concerns, the Queensland Government is introducing tougher rules for e-bikes, e-scooters, e-skateboards, e-unicycles and other Personal Mobility Devices, commonly known as PMDs. The new laws start progressively in 2026 and will affect where people can ride, how fast they...

Rear-End Accidents in Queensland: Is the Driver Behind Always at Fault? Rear-end accidents are common on Queensland roads. A common assumption is that if one vehicle hits the back of another vehicle, the driver behind is automatically at fault. That assumption is not always correct. In Queensland motor vehicle accident matters, liability depends on the particular facts of the accident. Relevant issues may include whether the driver behind kept a safe distance, whether the front vehicle stopped suddenly, whether indicators or hazard lights were used, whether the road was clear, whether traffic conditions affected visibility, and whether each driver had...

If you run a business and your profits dropped after a car accident, it is not enough to show that the downturn happened after the accident. In a Queensland motor vehicle accident claim, you usually need to prove that the accident-related injuries reduced your ability to work, manage, supervise, travel, quote for jobs, or service clients — and that this caused a real financial loss. For self-employed people, including cleaners, tradespeople, drivers, sole traders and small business owners, the strongest claims usually combine medical evidence, financial records, accountant evidence, client or staff evidence, and a clear explanation excluding other business...

Date: 6 January 2026 The criminal law landscape in Queensland during 2025 was shaped by continued appellate attention to sentencing discretion, moral culpability, mental impairment, youth justice, and the proper recording of convictions. A consistent theme emerging from the Court of Appeal was the need for sentencing courts to undertake careful, offence-specific analysis, supported by adequate reasons, while balancing denunciation, rehabilitation, and community protection. R v Johnston [2025] QCA 112 Manslaughter by dangerous driving and moral culpability The Queensland Court of Appeal dismissed an application for leave to appeal against sentence, providing important guidance on the seriousness of manslaughter offences...