Got In A Car Crash? Maximise Your CTP Claim Here
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Free Advice On Maximising Your CTP Claim Benefits.
We've helped thousands of Australians navigate injury claims. We're not an insurer or a law firm — we're your independent guide through CTP. No gatekeeping, no hidden agendas — just clear steps, expert connections, and follow-through from start to finish.
Whether your accident just happened or you’re deep into a claim, we’ll help you figure out the next move.
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Am I Eligible For A CTP Payout?
If you were injured in a motor vehicle accident in NSW, you may be eligible to make a CTP claim. The NSW CTP scheme is designed to provide financial and medical support to those injured in a motor vehicle crash.
Generally, you may be eligible for a payout if you are:
A driver, passenger, pedestrian, cyclist, or motorcyclist injured in a motor vehicle accident.
The accident happened on or after December 1, 2017.
There are two main types of payouts available, depending on your injuries and circumstances:
Statutory benefits
These cover immediate needs, such as a percentage of your lost income (if you can't work) and reasonable and necessary medical, treatment, and care expenses. These benefits are available for up to 52 weeks and can be claimed regardless of who was at fault in the accident.
Lump sum compensation (Common Law Damages)
This is a lump sum payment for your injuries. To be eligible for this, you must meet additional criteria:
- •Your injuries must be assessed as “non-threshold,” meaning they are more than a minor physical or psychological injury.
- •The motor vehicle accident must have been caused, either wholly or partially, by the negligence of another person.
- •Your level of whole person impairment must be assessed at greater than 10%.
The CTP Claim Timeline
Understanding what happens and when can reduce a lot of stress. Here's a general guide to the CTP claim process in NSW.
The Accident
Report the accident to police (required if anyone is injured). Exchange details with the other driver. Seek medical attention immediately. Document everything — photos of the scene, injuries, and vehicle damage.
Seek Medical Treatment & Lodge Your Claim
See a doctor for a thorough assessment of your injuries. Lodge your CTP claim with the relevant insurer as soon as possible. The earlier you lodge, the earlier your benefits can start.
Insurer Reviews Your Claim
The insurer has four weeks from lodgement to make a decision on liability. During this time, they may request additional information, medical records, or statements. Statutory benefits (weekly payments and medical expenses) may start during this period.
Ongoing Treatment & Recovery
Continue with your medical treatment and follow your doctor's advice. Keep records of all appointments, expenses, and how the injury is affecting your daily life. The insurer will cover reasonable and necessary treatment during this period.
Assessment & Settlement
Once your condition has stabilised, your injuries can be assessed for severity. If your injuries are classified as “non-threshold” and the accident was caused by another person's negligence, you may be eligible for a lump sum payout. Our team can guide you through this process.
Common CTP Claim Mistakes to Avoid
We've seen too many people miss out on what they're entitled to because of avoidable mistakes. Here are the most common ones.
Not Reporting the Accident to Police
In NSW, you must report the accident to police if anyone is injured. Failing to do so can complicate your claim and make it harder to prove what happened. Always report — even if the injuries seem minor at the time.
Waiting Too Long to Lodge Your Claim
There are time limits for lodging CTP claims. The sooner you lodge, the sooner your benefits can start. Delaying can also make it harder to gather evidence and can raise questions about the severity of your injuries.
Accepting the First Offer
Insurers may offer a settlement early in the process. This initial offer is often significantly lower than what you're actually entitled to. Before accepting any offer, get independent advice. Our team can help you understand whether the offer is fair.
Not Getting Independent Medical Advice
The insurer may arrange for you to see their own medical assessors. These assessors are paid by the insurer and may not fully capture the extent of your injuries. Always get an independent medical assessment from your own doctor to ensure your injuries are properly documented.
Not Keeping Records
Every receipt, every medical report, every piece of correspondence matters. Keep a detailed record of all expenses, appointments, and how your injuries are affecting your daily life. This evidence strengthens your claim and supports a better outcome.
Frequently Asked Questions
Three Simple Steps
Tell us what happened
Share your situation and we’ll guide you from there.
Get matched with the right help
Our team gets you in front of the right professionals for your case.
Stay supported
We provide ongoing support every step of the way.
Tell us what happened
Share your situation and we’ll guide you from there.
Get matched with the right help
Our team gets you in front of the right professionals for your case.
Stay supported
We provide ongoing support every step of the way.
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Whether you're just injured or stuck in the middle of a claim, we're here to help—fast, simple, free.
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