Whether the accident involved a car, motorbike,
train, tram, or a bus, you should be covered.

Motor Vehicle Accident Claims

The Transport Accident Commission (TAC) is the insurer
for all injuries in Victorian motor vehicle accidents.


When you pay to register a car, part of that payment goes to the TAC which pays benefits to people who are injured in road accidents (no matter whose fault the accident was). Even if you were injured by an unidentified driver you will still have a TAC claim. The TAC will make decisions about your benefits but they won’t give you legal advice, and without a lawyer acting for you they won’t give you all the compensation you deserve.

Watch this short video to see Lawyer and TAC expert Megan Caines show you how to lodge a TAC claim in just 5 easy steps:

Still unsure where to start? Don’t know if you have a claim? Call Polaris and we’ll set you straight with free initial advice and help lodging your claim.

Polaris has a highly experienced team of road safety experts – we know every corner of the road accident legal system and know how to get you everything you’re entitled to.


How do I challenge a TAC decision?

There are three ways a decision can be reviewed – informally, through a dispute resolution process or though the Victorian Civil and Administrative Tribunal.

  1. Get a copy of the TAC decision in writing. You have 12 months after you receive the decision in writing to formally challenge the decision.
  2. If you want to request an informal review of the decision, write to TAC and ask them to reconsider. This does not protect your time limit to challenge the decision.
  3. To go through the dispute resolution process you will need a lawyer acting for you. The lawyer should give you advice on the likely outcome of challenging a TAC decision & lodge the application on your behalf.  This application does protect your time limits to challenge the decision.
  4. Once an application to dispute the decision is lodged, your lawyer should give the TAC a statement prepared for you, and any other supporting documents.
  5. An informal conference will be held with the TAC to negotiate an outcome.
  6. If the dispute cannot be resolved as part of the dispute resolution process,  you can lodge an application to have the dispute heard at the Victorian Civil Administration Tribunal (VCAT).
Are cyclists covered by the TAC scheme?

You should always get advice from a TAC expert if you are injured on the road or due to a motor vehicle. Cyclists injured in Victoria are only covered by the TAC scheme in limited situations, including:

  1. If they are hit by a motor vehicle (including trams and trains)
  2. If they are injured in an accident swerving to avoid a car.
  3. If they are involved in a “dooring” accident.
  4. If the cyclist collides with a stationary car on their way to or from work.
  5. If the accident is caused by debris which is on the road due to the driving of another vehicle.

If you have been injured in a road or motor vehicle accident; you are likely to be entitled to a range of benefits including:

  • Medical expenses
  • Wage replacement
  • Lump sum payments for your permanent impairment
  • Damages for pain and suffering.


With over 30 years combined experience in personal injury law we have the knowledge and insight to get the best outcomes for our clients.

Take the stress out of pursuing a claim and focus on your recovery. We are a compassionate and understanding team with no hidden fees or charges, free initial advice when and where you need it.

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