In Australia, there are two main types of law: statutory law and common law. While statutory law is written by the government, common law is shaped by court decisions over time.
In a personal injury claim, statutory law typically acts as your ‘no-fault’ safety net for immediate medical bills and basic weekly wages. But if you can prove someone else was at fault, a common law claim (also known as a work injury damages claim in NSW) offers a substantial lump sum worth hundreds of thousands — or even millions, in severe cases.
| Feature | Statutory benefits | Common law benefits |
|---|---|---|
| How is it paid? | Weekly wage checks and medical invoices. | A one-off, life-changing lump sum payout. |
| Do you need to prove fault? | No-fault for work injuries. For car accidents, no fault in NSW, VIC, TAS, ACT and NT; fault-based everywhere else. | Yes, you must prove someone else’s negligence caused the injury. |
| Can you get pain and suffering compensation? | No compensation for pain and suffering, but modest lump sums paid for permanent impairment. | Yes, you receive a lump sum payout for the toll on your life and happiness. |
| Can you claim lost income? | Yes, but it's capped at a percentage of your wages for a fixed period (and nothing for the future). | Yes, you get full coverage for lost income (including super) and your projected lost income up to retirement. |
| Is medical treatment included? | Covered as you go (pending insurer approval). | Paid upfront in a lump sum for past and future medical expenses. |
| The result | Provides basic cover for lost wages and medical costs after a work or car accident. | Provides a substantial lump sum payout to cover your long-term financial future. |
A statute is simply a written law. For example, your employer’s legal duties are set out in workers compensation legislation.
Each state has its own system, along with separate laws for Commonwealth employees. In NSW, for example, workers are protected under the Work Health and Safety Act 2011 and the Work Health and Safety Regulation 2017.
A statutory claim is simply a claim made under legislation. In most cases, you don’t need to prove fault to access these benefits.
Below are two of the most common types: workers compensation and CTP motor accident claims.
You can make a statutory workers compensation claim if you’ve developed a work-related injury or illness. This also includes situations where an existing injury has been aggravated by work.
Most injuries and illnesses are covered, regardless of:
All registered vehicles must have Compulsory Third Party (CTP) insurance. It covers you if you’re injured in a road accident, whether you’re a driver, passenger, pedestrian, or cyclist.
In NSW, Victoria, Tasmania, the ACT, and the Northern Territory, you can usually claim even if you were at fault. In Queensland, South Australia, and Western Australia, you generally need to show that someone else caused the accident to be eligible for compensation.
Find out if you’re eligible for compensation today.
While statute law is made by Parliament, common law is built by judges through court decisions. There are various types of common law claims, but they all have two things in common:
Proving negligence is the key that unlocks a substantial, lump sum payout. If you meet these four criteria, it’s likely you have a common law case:
Still not sure if you have a common law claim? Find out now with a free case review.
Unlike the limited benefits under statutory schemes, common law claims can result in substantial lump sum payouts — often hundreds of thousands, and in serious cases, millions.
Depending on your age, circumstances, and the type of claim, compensation may cover:
See real success stories and compensation breakdowns from our past clients to understand the potential value of your claim. You'll also learn the specific steps you can take to maximise your final settlement.
After a motorbike accident left him with severe foot injuries and multiple toe amputations, Ryan needed ongoing treatment and time off work. We secured workers compensation first to cover his lost income and medical costs, then pursued a motor accident claim to protect his long-term future.
Although the driver admitted fault, we focused on maximising the outcome — using detailed medical evidence to show the full impact on Ryan’s life. The result was a $1 million settlement covering his income loss, treatment, and pain and suffering.
You can make a statutory claim alone, but it’s essential to speak with a lawyer if there’s a dispute about your payments. However, to secure your full common law payout, expert legal advice is a necessity.
Because common law claims involve substantial, ‘once and for all’ lump sum payouts, insurers fight them aggressively. These claims are extremely technical, requiring substantial proof of negligence and expert medical evidence to forecast your losses decades into the future.
In a free consult, we’ll explain whether you have a common law claim and the best way to secure maximum compensation. We’ll also identify any extra claims you might have — like income protection or a TPD payout — ensuring you get the largest possible payout for your injury.
Use our online claim checker to instantly find out if you have a claim. Alternatively, just give us a ring — our expert lawyers are always ready to answer your questions.
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