Insurance Lawyers.

Insurance policies cover different situations, depending on the type of claim and your level of cover. The most common include:

• Car insurance – vehicle repair/replacement, damage to vehicle contents, third-party property damage.
• Income protection insurance – weekly or monthly payments if illness or injury stops you from being able to work.
• Superannuation insurance – cover built into your super fund, including TPD, income protection, and death benefits.
• Total and Permanent Disability (TPD) – a lump sum payout if illness or injury prevents you from working in your pre-injury / illness occupation, or in any occupation, for which you are reasonably skilled, experienced and qualified.
• Life insurance – a once-off benefit for your family if you pass away, or an advance if you are diagnosed with a terminal illness.

At Gain Lawyers, we handle all of these claim types, ensuring every possible entitlement is identified and pursued.

The first step is to get advice before you lodge anything with your insurer or super fund. Many valid claims are rejected because forms are incomplete, evidence is weak, or the wrong wording is used. Once lodged incorrectly, fixing mistakes can be very difficult.

When you come to Gain Lawyers, we:

• Review your policy to confirm your entitlements.
• Gather the right evidence – medical reports, employment and financial records.
• Prepare and lodge the claim with the insurer.
• Deal with the insurer directly so you don’t have to.

This avoids delays, protects your rights, and gives your claim the best chance of success.

Insurers often reject claims, sometimes unfairly. Common reasons include:

• Using strict policy definitions to argue you’re not covered.
• Claiming your evidence doesn’t prove your eligibility.
• Saying the claim was lodged too late.

If your claim is denied, you’re entitled to a written explanation and the right to dispute it. Gain Lawyers regularly overturn rejections by gathering stronger evidence, challenging the insurer’s reasoning, and taking the matter to AFCA or court if necessary.

Timeframes depend on the type of claim and the insurer:

• Car insurance – usually weeks to a few months.
• Income protection – often 1–3 months.
• Superannuation/TPD – usually 3–12 months, occasionally longer if disputed.

Insurers commonly cause delays with repeated requests for information. At Gain Lawyers, we keep the pressure on insurers and manage the process so your claim doesn’t stall.

Yes. Many people have overlapping entitlements. For example, you may:

• Claim income protection payments and later pursue a TPD lump sum.
• Make a motor accident property damage claim while also pursuing a CTP claim for your injuries. 
• Make a personal injury claim for your injuries (eg a Workcover, motor accident, public liability, medical negligence or abuse claim) whilst also claiming a TPD payout on the basis your injuries prevent you from working.  Your personal injury claim can run alongside the TPD insurance claim and you can claim payouts in both. .

We review all your policies and super accounts to make sure every possible claim is pursued together, maximising your insurance benefits and payouts.

Depending on your policy, compensation may include:

• A property damage claim (for vehicle repair or replacement costs, damage to vehicle contents and personal apparel, vehicle hire).
• A separate CTP claim for your injuries and losses (eg. medical costs, income loss, rehab, pain and suffering) if you weren’t the driver at fault.

Car insurance claims often overlap with motor vehicle accident claims. Gain Lawyers manages both processes together so no entitlement is missed.

Many insurance policies overlap, and insurers don’t explain the differences clearly. In simple terms:

• Income protection pays you regular benefits while you’re off work temporarily.
• TPD (Total and Permanent Disability) is a once-off lump sum if you can’t return to work long term.
• Death or terminal illness cover pays a lump sum if you’re diagnosed with a terminal illness or pass away.

At Gain Lawyers, we review all your cover — often across multiple super funds or insurers — so you don’t miss out on payouts you didn’t even know you had.

You can technically lodge an insurance claim yourself, but insurers frequently:

• Minimise payouts by relying on policy fine print.
• Delay claims with constant extra requests.
• Deny claims outright on technicalities.

Having an experienced insurance lawyer ensures your claim is properly prepared, deadlines are met, and unfair decisions are challenged. This often makes the difference between a small payout - or none at all - and securing your full entitlement.

Yes. Many Australians have more than one super account, and each account may have its own insurance cover. That means you might be able to claim multiple lump sums for TPD, income protection, or death/terminal illness.

Insurers won’t tell you this — but we check all your super funds, identify hidden entitlements, and run multiple claims at the same time if you’re eligible.

Insurance law is complex and insurers have the upper hand if you face them alone.

At Gain Lawyers, we:

• Act in all types of insurance claims - car, income protection, superannuation, and TPD.
• Prepare and run your claim from start to finish, so you’re not left dealing with insurers.
• Challenge rejections and delays head-on to secure your benefits.
• Cover all costs upfront, with fees 20–40% lower than large firms.

You focus on your recovery and financial stability — we take care of the insurer.