Car Accidents

The CTP scheme can cover far more than immediate medical costs, and insurers aren’t rushing to explain that. Getting proper advice early can significantly affect your outcome.

NSW’s CTP scheme exists precisely for situations like yours. Whether you were the driver, a passenger, or a pedestrian or cyclist caught up in someone else’s bad decision, there’s a structured path to compensation available, and getting proper legal advice early can make a significant difference to where you end up.

Who Can Claim

You may be eligible to claim if you were:

A driver injured in a collision
A passenger in any vehicle involved
A cyclist or pedestrian struck by a car
Partly at fault for the accident (NSW CTP rules still allow claims in many circumstances, with some exceptions)

We assess each case on its facts and explain your options clearly, no jargon, no runaround.

How a Claim Works in NSW

Car accident injury claims in NSW generally follow these steps:

Report and lodge your claim: Applications for personal injury benefits must be submitted within strict time limits, usually within 28 days, with a final deadline of three months (though extensions can sometimes apply).
Medical assessment: Your injuries are assessed and classified, which determines what benefits you’re eligible to receive.
Weekly benefits and expenses: Income support, treatment costs, and care payments are available depending on your injury and time off work.
Lump sum payments: For serious injuries that meet the permanent impairment threshold, you may be eligible for lump sums covering future losses and pain and suffering.

We help you prepare, lodge, and follow up every stage of the claim so nothing falls through the cracks.

Why You Might Want a Specialist Lawyer

A CTP claim involves more than paperwork. Medical assessments, insurer decisions, and benefit entitlements can all be contested, and insurers are not in the business of volunteering what you’re owed. We help you:

Ensure your injuries are thoroughly and accurately documented
Understand the full range of entitlements available to you
Challenge insurer decisions that undervalue or underassess your claim
Maximise your compensation within the rules

What Compensation Could You Receive?

Depending on your injuries and circumstances, you may be eligible for:

Reimbursement of medical and care costs
Weekly income support for time off work
Lump sum payments for future economic loss
Additional lump sum for permanent impairment and pain and suffering where your injury meets the relevant threshold

Every case is different. Once we’ve reviewed your situation, we can give you a clear picture of what you may be entitled to.

FAQ

Do I need a lawyer?

For minor injuries, self-managing a claim is possible, but most people find that proper legal advice leads to better documentation, fewer missed entitlements, and stronger outcomes overall.

What if the insurer denies my claim?

We can assist with internal reviews and, where necessary, escalate disputes to the Personal Injury Commission.

What if I was partly at fault?

You may still be able to claim under the CTP scheme, unless you were charged with a serious driving offence or the vehicle you were driving was uninsured.